SAIF IA DEPOSITOR, LLC ABS-15G

 

Exhibit 99.2 - Schedule 1

 

                                                             
         
Sage Unique ID Seller Loan ID Investor Loan ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Finding Code Date Created Date Last Modified Finding Status Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Loan Amount Property State Occupancy Loan Purpose Refinance Purpose Waiver in File? Unique Finding ID
SAIF202620029     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalMoHOAFees 07/07/2025 07/16/2025 Cleared -Trailing Doc D A Credit Documentation   File missing documentation for HOA fees. 7/16/2025:  HOA documentation provided clearing exception.         88000.00 XX Primary Refinance Debt_Consolidation   14683
SAIF202620029     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/07/2025 07/16/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2120.00 on the LE dated 06/16/25 to $2248.40 on the CD dated 6/20/25. A reimbursement of $128.40 or a valid change of circumstance is required to cure the failure. 7/16/2025:  valid COC provided clearing exception.         88000.00 XX Primary Refinance Debt_Consolidation   14693
SAIF202620029     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/07/2025 07/31/2025 Cured D B Compliance TILA   This loan failed the TILA finance charge test. The finance charge is $91,419.02. The disclosed finance charge of $89,633.77 is not considered accurate because it is understated by more than $100. Fees included in the finance charges are Loan Discount Fee ($2248.40), Closing Protection Letter ($25.00), Flood Certification - Single Charge or Life of Loan ($6.00), Loan Origination Fee ($1760.00), Interest ($19.25) and Settlement or Closing Fee ($345.00). Seller Response: 7/14/25 Remediation underway  Seller Response: 7/16 Remediation underway   07/31/2025: Refund issued to borrower curing exception.     88000.00 XX Primary Refinance Debt_Consolidation   14696
SAIF202620029     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/07/2025 07/31/2025 Cured D B Compliance TRID   his loan failed the revised closing disclosure delivery date test (waiting period required). The revised CD dated 6/25/2025 delivery requires a new waiting period and is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date. Seller Response: 7/14/25 Remediation underway  Seller Response: 7/16 Remediation underway   07/31/2025: Refund issued to borrower curing exception.     88000.00 XX Primary Refinance Debt_Consolidation   14699
SAIF202620027     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/29/2025 09/05/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Condo Questionnaire Fee increased from $450.00 on the LE dated 06/12/2025 to $895.15 on the PCCD dated 7/22/25 and transfer taxes increased from $167.00 on the LE dated 6/12/25 to $183.33 on the PCCD dated 7/22/25. A partial reimbursement was give however not enough to cure the default.  A reimbursement of $461.48 or a valid change of circumstance is required to cure the failure.     08/08/2025: COC provided was dated 7/3/2025.  Corresponding LE in file dated 7/3/2025 brings tolerance violation down to $415.48.  Finding remains. 08/08/2025: 8/4 Disagree please see COC Forms. The condo approval required additional documenation. Additional fee was made aware to XXXX on 7/9 and disclosed on 7/11, no cure required. For the transfer taxes, a cure was added to the final CD. Document uploaded on OneDiligence portal    08/14/2025: 8/12 Disagree It appears the file was labeled incorrectly when uploaded. I have renamed the COC document with the correct loan number. Please re-review. Document uploaded on OneDiligence portal 08/14/2025: Valid COC provided clearing exception.     55000.00 XX Primary Refinance Debt_Consolidation   15454
SAIF202620041     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 10/08/2025 12/17/2025 Waived B B Compliance QM   This loan failed the Qualified Mortgage Lending Policy Points and Fees test. Points and fees of $9,744.23 exceed the threshold of $7,645.70.         266600.00 XX Primary Refinance Debt_Consolidation   20125
SAIF202620054     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 12/11/2025 12/12/2025 Waived B B Compliance QM   This loan failed the Qualified Mortgage Lending Policy Points and Fees test. Points and fees of $8,547 exceed the threshold of $6,294.56.         220000.00 XX Primary Refinance Debt_Consolidation   22435
SAIF202620054     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalValuationTypeASF 12/10/2025 12/24/2025 Cleared -Trailing Doc D A Valuation Documentation   Missing pages 1, 4, and 6 of the 1004 appraisal report.   12/24/2025: Complete 1004 Appraisal provided in trailing docs. Exception cleared.     220000.00 XX Primary Refinance Debt_Consolidation   22333
SAIF202620054     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalCURiskOverallScore 12/10/2025 12/24/2025 Cleared -Trailing Doc D A Valuation Documentation   Missing page 1 of FNMA and Freddie Mac UCDP reports.  Unable to validate the Summary reports are for the subject property.   12/24/2025: Complete UCDP reports provided in trailing docs. Exception cleared.     220000.00 XX Primary Refinance Debt_Consolidation   22334
SAIF202620054     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalMoHOAFees 12/10/2025 12/24/2025 Cleared -Trailing Doc D A Credit Documentation   Missing documentation of HOA amount. Appraisal is missing 1st page showing HOA dues and the file contains no HOA documentation.   12/24/2025: HOA dues provided on appraisal report in trailing docs, exception cleared.     220000.00 XX Primary Refinance Debt_Consolidation   22336
SAIF202620054     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomeYearsOfBusinessTaxReturns 12/10/2025 01/09/2026 Cleared -Trailing Doc D A Credit Income   File is missing 2024 personal tax returns, 2024 1120-S for XXXX, and 2024 1120-S for XXXX. Only signature pages were received for each of these tax returns. 12/24/2025: Received 2024 personal tax returns which clears a portion of the exception. File is still missing 2024 1120-S for XXXX and 2024 1120-S for XXXX. Documents received in trailing docs were for 2023. 01/09/2026: 2024 returns provided in trailing docs, exception cleared.     220000.00 XX Primary Refinance Debt_Consolidation   22402
SAIF202620054     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/11/2025 12/24/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $3,745 to $4,147 and Origination fee increased from $3,500 to $4,400. Valid COC or cure of $1,302 required.   12/24/2025: CoCs provided in trailing docs, exception cleared.     220000.00 XX Primary Refinance Debt_Consolidation   22434
SAIF202620050     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseQMRegulationFailures 12/23/2025 12/23/2025 Waived B B Compliance QM   This loan failed the Qualified Mortgage Lending Policy Points and Fees test. Points and fees of $4,178.55 exceed the threshold of $4,045.         89000.00 XX Primary Refinance Debt_Consolidation   22738
SAIF202620050     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 12/23/2025 12/23/2025 Waived B B Valuation Documentation   Missing secondary valuation required for securitization. CU score is not available per UCDP report and loan is not eligible for Reps & Warrant Relief.         89000.00 XX Primary Refinance Debt_Consolidation   22740
SAIF202620050     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseStateRegsResult 01/07/2026 01/20/2026 Cleared -Trailing Doc D A Compliance State Violation   ***NEW EXCEPTION*** This loan charged one or more fees prohibited under the MI Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction.  only reasonable and necessary charges that are the actual expenses incurred by the lender in connection with making, closing, disbursing, extending a secondary mortgage can be charged in a secondary mortgage loan transaction.  Total prohibited fee is $618.55, fees included in test are:  Discount Point fee of $618.55 (the portion of the fee that is not bona fide). 01/19/2026: Seller response:  1/14--In the State of Michigan, XXXX holds a 2nd Mortgage Broker/Lender/Servicer Registrant License.  Flood Cert and Discount Points would both fall under fees that are "reasonable and necessary charges", per MCL 493.72(1)(b) as they are either required to ensure the property is not in a flood zone or borrower chosen so they get the best interest rate available to them. Please cite where these fees are specifically prohibited per this Michigan statute, which is referenced in the Compliance Ease report.    01/19/2026: OD Reply: ***ESCALATED TO COMPLIANCE ENGINE*** 01/20/2026: Compliance retested with Bona Fide Discount Point fee, exception cleared.     89000.00 XX Primary Refinance Debt_Consolidation   23387
SAIF202620050     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 12/22/2025 01/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $1978 to $2398.55 and origination fee increased from $1490 to $1780. Valid COC or cure of $710.55 is required.   01/07/2026: CoC provided in trailing docs, exception cleared     89000.00 XX Primary Refinance Debt_Consolidation   22730
SAIF202620050     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseTILAResult 12/23/2025 01/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. File contains only 1 CD issued 12/15/2025 which is same day as closing. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   01/07/2026: Initial CD provided in trailing docs, exception cleared.     89000.00 XX Primary Refinance Debt_Consolidation   22737
SAIF202620050     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var TPOLIsEndorsmentPresent 12/23/2025 02/11/2026 Cured D B Credit Documentation   Missing evidence of ALTA endorsement 7, 7.1 or 7.2 or any other endorsement required in the applicable jurisdiction for manufactured homes to be treated as real property or a MHELP certificate or policy as required by guidelines. 01/08/2026: Seller Response: 12/29- according to our closing agent, this is not required on junior liens OD Reply:  Please provide evidence the guideline requirement is not required on junior liens for the subject jurisdiction.    01/19/2026: Seller response:  1/14- response from closing agent: SAIF202620050 XXXX – XXXX order this 2nd as a title status plus. We issue limited coverage on the policy since the new lien will not be insured in first lien position. Endorsements are not offered for a title stat plus.    01/19/2026: OD Reply:  Per Client Instruction, Seller requested to upload Master Home Equity Loan Policy evidencing lender is reflected on the E&O policy.    01/30/2026: Seller response: "1/22- requested information from agent 1/26- reply from agent: SAIF202620050 XXXX – XXXX order this 2nd as a title status plus. We issue limited coverage on the policy since the new lien will not be insured in first lien position. Endorsements are not offered for a title stat plus.    01/30/2026: OD Reply: Per Client Instruction, Seller requested to upload Master Home Equity Loan Policy evidencing lender is reflected on the E&O policy. 02/11/2026: Provided in trailing docs.     89000.00 XX Primary Refinance Debt_Consolidation   22739
SAIF202620050     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var 1008_PropertyType 12/22/2025 01/07/2026 Cured D B Credit Documentation   Per the Security Instrument, Appraisal and Title work, the subject property is a manufactured home, but the 1008 reflects it as a 1 unit property.   01/07/2026: Post close 1008 provided in trailing docs, exception cured.     89000.00 XX Primary Refinance Debt_Consolidation   22727
SAIF202620050     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseStateRegsResult 01/07/2026 01/26/2026 Rescinded D A Compliance State Violation   ***NEW EXCEPTION*** This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. 01/19/2026: 1/14--In the State of Michigan, XXXX holds a 2nd Mortgage Broker/Lender/Servicer Registrant License.  Flood Cert and Discount Points would both fall under fees that are "reasonable and necessary charges", per MCL 493.72(1)(b) as they are either required to ensure the property is not in a flood zone or borrower chosen so they get the best interest rate available to them. Please cite where these fees are specifically prohibited per this Michigan statute, which is referenced in the Compliance Ease report.    01/19/2026: OD reply: ***ESCALATED TO COMPLIANCE ENGINE***    01/20/2026: OD comment:  Per Compliance Engine, In the state of Michigan, the Flood Cert Fee-Life of Loan is included in testing.  Flood Cert Fee-Initial Fee is excluded.  Please provide evidence that the Flood Cert fee is Initial fee and not Life of Loan as reflected on the Flood Cert, for the fee to be excluded from this test. 01/26/2026: Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan." Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.     89000.00 XX Primary Refinance Debt_Consolidation   23386
SAIF202620049     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalFormType 10/29/2025 11/11/2025 Cleared -Trailing Doc D A Valuation Documentation   Desktop valuation is incomplete. Pages 1, 3, 5, 7, 9, and 11 are missing from document.   11/11/2025: Complete desktop appraisal received in trailing docs, exception cleared.     50000.00 XX Primary Refinance CashOut_Other   21011
SAIF202620049     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance EligibilityAcceptanceCLTV 10/29/2025 11/11/2025 Cleared -Trailing Doc D A Credit CLTV   Calculated CLTV of 86.249% exceeds maximum guideline of 85%. 10/13/25 credit report balance has been used for calculation as it more recent than 9/1/25 statement. Provide documentation of current balance lender used to calculate CLTV of 84.968% as reflected on the final 1008.   11/11/2025: Mortgage statement received in trailing docs, CLTV within 85%, exception cleared     50000.00 XX Primary Refinance CashOut_Other   21014
SAIF202620063     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/29/2025 01/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $633.00 to $1938.75. The Loan Origination Fee increased from $1265.00 to $1500.00. Valid COC or cure of $1540.75 required.   01/29/2026: COC provided in trailing docs, exception cleared.     75000.00 XX Primary Refinance Debt_Consolidation   22894
SAIF202620079     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditHistoryMortgageRentalCurrentlyDelinq 01/30/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence that the senior lien is paid current and on time for 12/2025. The mortgage statement in file shows the next payment was due for 10/01/2025 and the credit report shows the loan was last active on 11/10/2025. 02/11/2026: OD requests evidence that the 12/2025 mortgage payment for the senior lien was paid. The subject loan closed on 01/23/2026 and there was no evidence of the 12/2025 payment located in the file. The contains evidence that payments have been made through 11/10/2025 per the credit report. 02/27/2026: Provided in trailing docs     62350.00 XX Primary Refinance CashOut_Other   189610
SAIF202620079     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/30/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     62350.00 XX Primary Refinance CashOut_Other   189611
SAIF202620079     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/30/2026 02/11/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: MHELP provided in trailing docs.     62350.00 XX Primary Refinance CashOut_Other   189608
SAIF202620079     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 02/02/2026 02/11/2026 Rescinded A A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/23/26 and loan application date is 09/30/25. iLE indicates lender will not be servicing the loan.         62350.00 XX Primary Refinance CashOut_Other   189708
SAIF202620055     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 01/16/2026 01/16/2026 Waived B B Compliance QM   This loan failed the Qualified Mortgage Lending Policy Points and Fees test. Points and fees of $6,746.40 exceed the threshold of $4,084.46.         144000.00 XX Primary Refinance CashOut_Other   106404
SAIF202620055     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/15/2026 01/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $3,247.20 to $3,866.40. Valid COC or cure of $619.20 is required.   01/28/2026: Additional CDs and COC provided in trailing docs, exception cleared.     144000.00 XX Primary Refinance CashOut_Other   65139
SAIF202620065     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/02/2026: provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   189884
SAIF202620065     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   189886
SAIF202620136     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 12/19/2025 01/07/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008.   01/07/2026: Provided in trailing docs, exception cleared.     70000.00 XX Primary Refinance Debt_Consolidation   22684
SAIF202620136     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 12/19/2025 01/07/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003. The Initial 1003 provided in the loan file is for a different loan.   01/07/2026: Provided in trailing docs, exception cleared.     70000.00 XX Primary Refinance Debt_Consolidation   22685
SAIF202620136     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/19/2025 01/19/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $165 to $1030. Valid COC or additional cure of $865 required. 01/07/2026: Seller reply: 12/30 Remediation underway 01/19/2026: PCCD provided in trailing docs, exception cured.     70000.00 XX Primary Refinance Debt_Consolidation   22690
SAIF202620152     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 01/07/2026 01/20/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $7073.50 exceed the threshold of $6234.73.         215000.00 XX Primary Refinance Debt_Consolidation   23370
SAIF202620152     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLPrincipalAmount 01/07/2026 01/20/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Title Policy and/or Title Search Report reflecting the final loan amount of $215,000. The Title Search Report in file reflects a loan amount of $149,999.   01/20/2026: Provided in trailing docs, exception cleared.     215000.00 XX Primary Refinance Debt_Consolidation   23361
SAIF202620152     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CreditHistoryMortgageRental30Past 01/07/2026 01/20/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence that borrowers' senior lien was paid current. The mortgage statement in file shows next due for 11/1/2025 and the credit report reflects last active on 10/10/2025.   01/20/2026: Provided in trailing docs, exception cleared.     215000.00 XX Primary Refinance Debt_Consolidation   23366
SAIF202620152     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/07/2026 01/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1540.00 to $2773.50. The Loan Origination Fee increased from $4000 to $4300. Valid COC or additional cure of $1533.50 required.   01/20/2026: COC provided in trailing docs, exception cleared.     215000.00 XX Primary Refinance Debt_Consolidation   23369
SAIF202620083     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 12/17/2025 12/17/2025 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 10.101%. The APR threshold to qualify for a safe harbor is 9.660%         110000.00 XX Primary Refinance CashOut_Other   22604
SAIF202620083     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 12/17/2025 12/17/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.101% APR exceeds the 9.660% threshold to qualify for a safe harbor.         110000.00 XX Primary Refinance CashOut_Other   22605
SAIF202620083     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/17/2025 12/17/2025 Waived B B Compliance TRID   This loan failed the higher-priced mortgage loan test.         110000.00 XX Primary Refinance CashOut_Other   22606
SAIF202620083     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/17/2025 02/10/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $987.94  to $922.94.  Valid Change of Circumstance or Cure of $65.00 required. 01/09/2026: Seller response: 01/05 The lender-paid tax service fee was not applied as a general lender credit but as a specific one at the fee level. This fee was ultimately removed at closing, and no cure was required.    01/09/2026: OD Response: Lender Credits that were disclosed are evaluated on a total Lender Credit basis combining both non-specific and specific lender credits. Since the lender disclosed total lender credits of $987.94 on the initial CD dated 12/01 and the loan closed with total lender credits of $922.94, a valid CoC or cure of $65 was required regardless if the credits disclosed were specific and/or non-specific basis. If seller has written TRID guidance stating otherwise, please provide and we will review accordingly.    01/19/2026: Seller reply:  01/16 - Pending remediation     01/29/2026: Seller reply: 1/22 COC Form uploaded. Document uploaded on OneDiligence portal.    01/29/2026: No trailing docs received in imaged file, please resubmit COC form referenced. 02/10/2026: CoC provided in trailing docs, exception cleared.     110000.00 XX Primary Refinance CashOut_Other   22602
SAIF202620069     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/22/2025 01/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1365 to $1500. Valid COC or additional cure of $135 required.   01/07/2026: CoC provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance Debt_Consolidation   22729
SAIF202620069     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance LetterOfExplanationExists 12/22/2025 01/07/2026 Cured D B Credit Documentation   Missing the credit inquiry letter for XXXX on 7/19/2025.   01/07/2026: Post close inquiry letter provided in trailing docs, exception cured.     50000.00 XX Primary Refinance Debt_Consolidation   22728
SAIF202620355     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/09/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: MHELP provided in trailing docs     107000.00 XX Primary Refinance CashOut_Other   190138
SAIF202620075     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsEndorsmentPresent 12/16/2025 02/10/2026 Cured D B Credit Documentation   Missing evidence of ALTA endorsement 7, 7.1 or 7.2 or any other endorsement required in the applicable jurisdiction for manufactured homes to be treated as real property or an MHELP certificate or policy as required by guidelines.    02/12/2026: 01/09/2026: Seller reply: 12/29- according to our closing agent, this is not required on juinor liens    01/09/2026: OD Reply:  Please provide evidence the guideline requirement is not required on junior liens for the subject jurisdiction.    01/19/2026: Seller reply: 1/14 Pending email reply from agent    01/29/2026: Seller reply: 1/22- requested information from agent 02/10/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   22530
SAIF202620176     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 12/29/2025 12/30/2025 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.6 and is not R&W Eligible.         53500.00 XX Primary Refinance CashOut_Other   22898
SAIF202620176     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 12/30/2025 02/11/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $1,527 to $2,174.78 and appraisal fee increased from $165 to $740. Valid COC or cure of $1,222.78 is required. 01/19/2026: Seller reply: 1/14 Please see COC forms for the discount points. The increase in the appraisal fee increase will be refunded. Document uploaded on OneDiligence portal    01/19/2026: OD Response: Seller provided CoC in trailing docs tied to the LE disclosed 12/09/2025 which reflects the change of circumstance occurred on 12/04/2025.  However, the LE was not disclosed within 3 business days as required.  XXXX conducts business on and includes Saturdays in the compliance disclosure timing.  Exception remains valid due to LE was not timely disclosed. Additionally, a COC provided in trailing docs is tied to a CD dated 12/18, but this CD is not included in documents. File contains only 2 CDs dated 12/13 and 12/19. Please provide 12/18 CD as referenced on CoC.     01/28/2026: Seller reply: 1/22 Remediation underway 02/11/2026: rCD, CoCs, PCCD and evidence of cure provided in trailing docs.  Exception cleared     53500.00 XX Primary Refinance CashOut_Other   22908
SAIF202620095     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 03/16/2026 03/16/2026 Waived B B Compliance TRID   ***NEW FINDING*** This loan failed the PCCD Cure Reimbursement and Revised CD Delivery Date Test.  Lender provided a PCCD dated 03/05/2026 with a reimbursement of $715.00 check dated 02/26/2026 to the borrowers, however, the cure was provided more than 60 calendar days of consummation (12/19/2025). ****Per client, non-material as cure was provided, downgrade.****         149999.00 XX Primary Refinance CashOut_Other   191988
SAIF202620095     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalNotes 03/16/2026 03/16/2026 Waived B B Valuation Value   The 1004 appraisal dated 11/10/2025 has a variance of 22.27% from the AVM dated 10/13/2025, which is greater than the 10% variance permitted. ***Waived by client due to having a full appraisal in the file with CU score of 1.9.***         149999.00 XX Primary Refinance CashOut_Other   191990
SAIF202620095     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 12/29/2025 03/16/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $165 to $880. Valid COC or cure of $715 required.    02/27/2026: Seller reply: Remediation underway 01/28/2026: Seller reply: 1/22 Remediation underway    02/11/2026: Seller reply:  Remediation Underway 03/16/2026: PCCD and refund check with shipping label provided in trailing docs.    03/16/2026: Cure provided greater than 60 days of consummation.  Per client, downgrade and waive.     149999.00 XX Primary Refinance CashOut_Other   22896
SAIF202620093     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerPhotoIdentificationType 01/09/2026 01/19/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the personal identification documentation for B1.    01/19/2026: Provided trailing docs         77000.00 XX Primary Refinance CashOut_Other   23546
SAIF202620093     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 01/09/2026 01/19/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. The file contains only one CD issued 01/02/2026 and the closing date was 01/03/2026 which is less than 3 days. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   01/19/2026: iCD provided in trailing docs, exception cleared     77000.00 XX Primary Refinance CashOut_Other   23547
SAIF202620093     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/09/2026 01/20/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan charged one or more fees prohibited under the MI Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction.  Only reasonable and necessary charges that are the actual expenses incurred by the lender in connection with making, closing, disbursing, extending a secondary mortgage can be charged in a secondary mortgage loan transaction.  Total prohibited fee is $2837.45, fees included in test are:  Discount Point Fee  (portion of the fee that is not bona fide). 01/19/2026: 1/14--In the State of Michigan, XXXX holds a 2nd Mortgage Broker/Lender/Servicer Registrant License.  Flood Cert and Discount Points would both fall under fees that are "reasonable and necessary charges", per MCL 493.72(1)(b) as they are either required to ensure the property is not in a flood zone or borrower chosen so they get the best interest rate available to them. Please cite where these fees are specifically prohibited per this Michigan statute, which is referenced in the Compliance Ease report.    01/19/2026: OD reply:  ****ESCALATED TO COMPLIANCE ENGINE****    01/19/2026: OD reply: ****ESCALATED TO COMPLIANCE ENGINE**** 01/20/2026: Compliance retested with Bona Fide Discount Point fee, exception cleared.     77000.00 XX Primary Refinance CashOut_Other   23550
SAIF202620093     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/09/2026 01/29/2026 Rescinded D A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. 01/19/2026: Seller response:  1/14--In the State of Michigan, XXXX holds a 2nd Mortgage Broker/Lender/Servicer Registrant License.  Flood Cert and Discount Points would both fall under fees that are "reasonable and necessary charges", per MCL 493.72(1)(b) as they are either required to ensure the property is not in a flood zone or borrower chosen so they get the best interest rate available to them. Please cite where these fees are specifically prohibited per this Michigan statute, which is referenced in the Compliance Ease report.    01/19/2026: OD Reply ***ESCALATED TO COMPLIANCE ENGINE***    01/20/2026: OD comment:  Per Compliance Engine, In the state of Michigan, the Flood Cert Fee-Life of Loan is included in testing.  Flood Cert Fee-Initial Fee is excluded.  Please provide evidence that the Flood Cert fee is Initial fee and not Life of Loan as reflected on the Flood Cert, for the fee to be excluded from this test. 01/29/2026: Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan." Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.     77000.00 XX Primary Refinance CashOut_Other   23548
SAIF202620078     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseQMQMStatus2 12/18/2025 01/08/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         60000.00 XX Primary Refinance CashOut_Other   22672
SAIF202620078     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ApplicationDate 12/17/2025 01/08/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing the initial 1003 for both borrowers.   01/08/2026: Provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance CashOut_Other   22612
SAIF202620078     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ApplicationHousingExp1008 12/17/2025 01/08/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing the 1008.   01/08/2026: Provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance CashOut_Other   22613
SAIF202620078     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 12/18/2025 01/08/2026 Cleared -Trailing Doc D A Valuation Documentation   File is missing valuation.  OD notes the loan is an HPML loan and appraisal receipt logs indicates 2 different dates appraisals were sent to the customer and an appraisal invoice for a desktop appraisal in file but the file is missing all copies of the valuation models.   01/08/2026: Desk review provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance CashOut_Other   22622
SAIF202620078     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 12/18/2025 01/08/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing paystubs covering 30 days for B2. No paystubs provided in documents.   01/08/2026: Provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance CashOut_Other   22626
SAIF202620078     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/18/2025 02/11/2026 Cured D B Compliance TRID   This loan failed the Lender Credits That Cannot Decrease Test. Lender credit decreased from $27 to $24. Valid change of circumstance or cure of $3.00 required. 01/09/2026: Seller reply: 1/2 COC form uploaded on OneDiligence portal    01/09/2026: COC provided is tied to 12/10 CD, however, the lender credit decreased on the 12/05 CD. CoC or cure of $3.00 required.     01/19/2026: Seller reply:  1/14 Disagree- Please see the 12/5 CD. There was a lender paid flood cert fee in the amount of $6.00 in addition to a general lender credit of $21.00. These total a credit of $27.00. The change in credits was on the 12/10 CD. Document uploaded on OneDiligence portal    01/19/2026: OD Response:  Compliance retested with CoC tied to the first 12/10/2025 CD, however, CoC is not considered as the APR tolerance exceeded requiring a 3 day wait period.  Review notes, however, that Seller indicates the Revised CD Delivery Date Test failure is being remediated, if additional documents are provided to support remediation or timing exceptions, OD will retest at that point.  Otherwise, exception remains valid $3 cure required.    01/29/2026: Seller reply: 1/22 Remediation underway 02/11/2026: PCCD provided in trailing docs     60000.00 XX Primary Refinance CashOut_Other   22635
SAIF202620078     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/18/2025 02/11/2026 Cured D B Compliance TRID   This loan failed the revised closing disclosure delivery date test (waiting period required).  The CD issued 12/10/2025 contained a change in APR from prior CD disclosed. The 12/28/2025 CD disclosed an APR of 8.828% and the 12/10/2025 CD APR is 9.196% which requires a 3 day waiting period. The loan closed on 12/11/2025. 01/08/2026: Seller reply: 1/2 Remediation underway    01/19/2026: Seller reply: 1/14 Remediation underway    01/29/2026: Seller reply: 1/22 Remediation underway 02/11/2026: PCCP and reimbursement for violation provided in trailing docs.     60000.00 XX Primary Refinance CashOut_Other   22673
SAIF202620078     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalOrigAppraisedValue 01/08/2026 01/19/2026 Cured D B Valuation Value   ***NEW EXCEPTION*** The desk review provided reflects a value of $320,000. The 1008 and CDs reflect a final value used of $340,000. Please provide valuation of $340,000 used to qualify borrower.   01/19/2026: Updated 1008 reflecting $320K value provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance CashOut_Other   23425
SAIF202620080     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 12/03/2025 12/24/2025 Cleared -Trailing Doc D A Credit Documentation   File is missing 1008. The 1008 provided in documents is for a different borrower not on this loan.   12/24/2025: Provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   22133
SAIF202620080     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/03/2025 01/19/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $877.50 to $1,752.50 and Disaster Inspection fee increased from $0 to $200. Valid COC or additional cure of $1,075 required. 12/24/2025: Seller provided CoC tied to the 10/30/2025 LE for the Disaster Inspection fee, but does not address the increased Discount Point fee on the 11/24 CD.  Cure of $875.00 or valid CoC required.    01/09/2026: Seller reply: 12/29 Please see the COC for the disaster inspection. For the discount points this will be remediated. Document uploaded on OneDiligence portal    01/09/2026: COC provided for Disaster Inspection Fee. Discount points will be remediated per Seller. 01/19/2026: PCCD provided in trailing docs, exception cured.     50000.00 XX Primary Refinance CashOut_Other   22168
SAIF202620089     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 02/09/2026 02/10/2026 Waived B B Compliance TRID   Change of circumstance in file with change date of 12/18/2025.  Corresponding CD dated 12/24/2025  is not within 3 business days of change date.  Review notes that the CoC reflects the Revised CD Due Date was 12/23/2025, however the CD was disclosed 12/24.  Non-material due to subsequent CDs and CoCs in file.  Loan passes all TRID and TILA compliance tests.         120000.00 XX Primary Refinance Debt_Consolidation   190151
SAIF202620089     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/09/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: MHELP provided in trailing docs     120000.00 XX Primary Refinance Debt_Consolidation   190146
SAIF202620089     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CreditHistoryMortgageRentalCurrentlyDelinq 02/09/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence that the Sr. Lien is paid current. The mortgage statement in file shows a next due date of 12/1/2025 and the most recent credit report shows the Sr. Lien was last active on 11/10/2025. Missing evidence that the 12/1/2025 and 1/1/2026 payments were made and the current UPB.   03/02/2026: Provided in trailing docs Dec and Jan pymts.     120000.00 XX Primary Refinance Debt_Consolidation   190147
SAIF202620089     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/09/2026 03/24/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the E-Consent disclosure.    03/02/2026: Seller provided evidence of e-Consent in trailing docs for the borrower, however, the documentation reflects the Co-Borrower's e-consent was pending.  There is no evidence the CB consented to electronic signing but there are electronically signed documents by the CD in the loan file.   Please provide. 03/13/2026: Seller reply:  Proof of E-consent uploaded. Document uploaded on OneDiligence portal.    03/13/2026: As previously noted, the documentation uploaded reflects the Co-Borrower's e-consent was pending. There is no evidence the CB consented to electronic signing but there are electronically signed documents by the CB in the loan file. Please provide. 03/24/2026: Provided in trailing docs.     120000.00 XX Primary Refinance Debt_Consolidation   190148
SAIF202620101     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 01/13/2026 01/14/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The APR of 10.088% exceeds the threshold of 9.140%.         173000.00 XX Primary Refinance Debt_Consolidation   23661
SAIF202620101     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/13/2026 01/14/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.088 % APR exceeds the 9.140% threshold to qualify for a safe harbor.         173000.00 XX Primary Refinance Debt_Consolidation   23662
SAIF202620101     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseHOEPAHPMLHCMResult 01/14/2026 01/14/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         173000.00 XX Primary Refinance Debt_Consolidation   23712
SAIF202620101     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 01/13/2026 01/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence that the 12/01/2025 mortgage payment was made on the senior lien. Pay history in file reflects November payment only and credit last reported only through 10/10/2025.   01/29/2026: Provided in trailing docs, exception cleared.     173000.00 XX Primary Refinance Debt_Consolidation   23647
SAIF202620101     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/13/2026 01/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.  Lender Credit decreased from $1834.30 to $908.25.  Valid COC or cure of $926.05 required.   01/29/2026: COC provided in trailing docs, exception cleared.     173000.00 XX Primary Refinance Debt_Consolidation   23659
SAIF202620091     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/24/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   189261
SAIF202620091     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/24/2026 02/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $1140 to $1315. Valid COC or cure of $175 required.    02/11/2026:   02/11/2026: CoCs provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   189263
SAIF202620091     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/26/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/16/26 and loan application date is 11/03/25.   02/11/2026: OD Re-reviewed, Rescinds     50000.00 XX Primary Refinance Debt_Consolidation   189285
SAIF202620087     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 12/17/2025 01/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. The earliest dated CD in file was issued 12/06/2025 and the closing date was 12/08/2025 which is less than 3 days. [OD Notes the file contains 2 CD dated 12/06 that were disclosed to the borrower at 2 different times within a couple minutes of each other.  Both were entered as the timestamps indicate both were sent to the borrower].   01/09/2026: Initial CD provided in trailing docs, exception cleared.     77000.00 XX Primary Refinance Debt_Consolidation   22594
SAIF202620087     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/09/2026 01/19/2026 Cleared -Trailing Doc D A Compliance State Violation   ***NEW EXCEPTION*** This loan failed the Prohibited Lender Fees Test for WA. Only reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender. Total prohibited fee is $1640.10, fees included in test are: Discount Point fee.   01/19/2026: Compliance retested, exception cleared.     77000.00 XX Primary Refinance Debt_Consolidation   23544
SAIF202620076     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 12/29/2025 12/29/2025 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $7,313 exceed the threshold of $4,410.76.         155000.00 XX Primary Refinance Debt_Consolidation   22881
SAIF202620076     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/26/2025 02/11/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $5,627 to $6,820 and appraisal fee increased from $250 to $635. Valid COC or cure of $1,578 is required. 01/19/2026: Seller reply: 1/14 Please see COC forms for the discount points. The increase in the appraisal fee will be refunded. Document uploaded on OneDiligence portal    01/19/2026: COC provided in trailing docs for discount points increase which cleared that portion of the exception. Appraisal fee increase of $385 is being remediated per Seller.    01/28/2026: Seller reply: 1/22 Remediation underway 02/11/2026: PCCD and evidence of cure provided in trailing docs     155000.00 XX Primary Refinance Debt_Consolidation   22859
SAIF202620189     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/02/2026 01/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The appraisal fee increased from $165 to $635. Valid COC or additional cure of $470 required.   01/20/2026: COC provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance CashOut_Other   23130
SAIF202620667     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalCURiskOverallScore 03/09/2026 03/09/2026 Waived B B Valuation Value   Full appraisal in file, but CU Score is > 2.5 and loan is not R&W Eligible.  Full appraisal in file, Non-material, Waived per client directive         210000.00 XX Primary Refinance CashOut_Other   191722
SAIF202620667     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/06/2026 03/25/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/25/2026: MHELP provided in trailing docs     210000.00 XX Primary Refinance CashOut_Other   191714
SAIF202620667     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/06/2026 03/25/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date and changed circumstances date test.  The earliest dated CD in file was issued 12/18/2025 and the CoC changes tied to the iCD were dated 12/12/2025, which exceeds 3 days.  OD also notes the CoC itself indicates the CD Due Date is 12/17 however it was disclosed 12/18.   03/25/2026: Corrected CoC provided in trailing docs     210000.00 XX Primary Refinance CashOut_Other   191715
SAIF202620551     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided in trailing     85000.00 XX Primary Refinance Debt_Consolidation   189958
SAIF202620551     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: Provided in trailing     85000.00 XX Primary Refinance Debt_Consolidation   189964
SAIF202620366     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/28/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     55000.00 XX Primary Refinance CashOut_Other   189503
SAIF202620366     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/28/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: Provided in trailing docs.     55000.00 XX Primary Refinance CashOut_Other   189536
SAIF202620366     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 01/29/2026 02/11/2026 Rescinded D A Compliance Documentation   The file contains a copy of the Servicing Disclosure signed at closing but is missing evidence it was disclosed within 3 days of loan application.   02/11/2026: OD Re-reviewed, Rescinds     55000.00 XX Primary Refinance CashOut_Other   189555
SAIF202620103     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/23/2025 01/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1090 to $1465. Valid COC or cure of $375 required.   01/07/2026: CoC provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance Debt_Consolidation   22778
SAIF202620103     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/07/2026 01/20/2026 Cleared -Trailing Doc D A Compliance State Violation   ***NEW EXCEPTION*** This loan charged one or more fees prohibited under the MI Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction.  only reasonable and necessary charges that are the actual expenses incurred by the lender in connection with making, closing, disbursing, extending a secondary mortgage can be charged in a secondary mortgage loan transaction.  Total prohibited fee is $1465, fees included in test are: Discount Point fee (portion of the fee that is not bona fide). 01/19/2026: Seller reply:  1/14--In the State of Michigan, XXXX holds a 2nd Mortgage Broker/Lender/Servicer Registrant License.  Flood Cert and Discount Points would both fall under fees that are "reasonable and necessary charges", per MCL 493.72(1)(b) as they are either required to ensure the property is not in a flood zone or borrower chosen so they get the best interest rate available to them. Please cite where these fees are specifically prohibited per this Michigan statute, which is referenced in the Compliance Ease report.    01/19/2026: OD response: ***ESCALATED TO COMPLIANCE ENGINE*** 01/20/2026: Compliance retested with Bona Fide Discount Point fee, exception cleared.     50000.00 XX Primary Refinance Debt_Consolidation   23385
SAIF202620103     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/07/2026 01/26/2026 Rescinded D A Compliance State Violation   ***NEW EXCEPTION*** This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. 01/19/2026: Seller reply:  1/14--In the State of Michigan, XXXX holds a 2nd Mortgage Broker/Lender/Servicer Registrant License.  Flood Cert and Discount Points would both fall under fees that are "reasonable and necessary charges", per MCL 493.72(1)(b) as they are either required to ensure the property is not in a flood zone or borrower chosen so they get the best interest rate available to them. Please cite where these fees are specifically prohibited per this Michigan statute, which is referenced in the Compliance Ease report.    01/19/2026: OD response: ***ESCALATED TO COMPLIANCE ENGINE***    01/20/2026: OD comment:  Per Compliance Engine, In the state of Michigan, the Flood Cert Fee-Life of Loan is included in testing.  Flood Cert Fee-Initial Fee is excluded.  Please provide evidence that the Flood Cert fee is Initial fee and not Life of Loan as reflected on the Flood Cert, for the fee to be excluded from this test. 01/26/2026: Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan." Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.     50000.00 XX Primary Refinance Debt_Consolidation   23383
SAIF202620149     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 12/18/2025 01/08/2026 Cleared -Trailing Doc D A Compliance Documentation   File is missing the 1008.   01/08/2026: 1008 provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance Debt_Consolidation   22675
SAIF202620149     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/08/2026 01/20/2026 Cleared -Trailing Doc D A Compliance State Violation   ***NEW EXCEPTION*** This loan charged one or more fees prohibited under the MI Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction.  Only reasonable and necessary charges that are the actual expenses incurred by the lender in connection with making, closing, disbursing, extending a secondary mortgage can be charged in a secondary mortgage loan transaction.  Total prohibited fee is $2748, fees included in test are:  Discount Point fee (portion of the fee that is not bona fide). 01/19/2026: Seller reply:  1/14--In the State of Michigan, XXXX holds a 2nd Mortgage Broker/Lender/Servicer Registrant License.  Flood Cert and Discount Points would both fall under fees that are "reasonable and necessary charges", per MCL 493.72(1)(b) as they are either required to ensure the property is not in a flood zone or borrower chosen so they get the best interest rate available to them. Please cite where these fees are specifically prohibited per this Michigan statute, which is referenced in the Compliance Ease report.    01/19/2026: OD response:  ***ESCALATED TO COMPLIANCE ENGINE*** 01/20/2026: Compliance retested with Bona Fide Discount Point fee, exception cleared.     60000.00 XX Primary Refinance Debt_Consolidation   23418
SAIF202620149     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/18/2025 02/11/2026 Cured D B Compliance TRID   This loan failed the lender credits that cannot decrease test. Lender credit decreased from $1480 to $1200.  Valid COC or cure of $280 is required. 01/09/2026: Seller provided CoC in trailing docs tied to the fCD citing reason for Lender Credit decrease due to decreased Discount Points Fee, however, the Lender Credit decrease occurred with the 12/08/2025 CD but there is no reduction to the Discount Points fees until the final CD dated 12/12.  The seller did not provided a valid CoC for the reduction of the Lender Credit on the 12/08 CD.  Exception remains valid.      01/19/2026: Seller reply: 1/15 Remediation underway     01/29/2026: Seller reply: 1/22 Remediation underway 02/11/2026: CoC and evidence of cure provided in trailing docs.     60000.00 XX Primary Refinance Debt_Consolidation   22678
SAIF202620149     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/08/2026 01/26/2026 Rescinded D A Compliance State Violation   ***NEW EXCEPTION*** This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. 01/19/2026: Seller reply:  1/14--In the State of Michigan, XXXX holds a 2nd Mortgage Broker/Lender/Servicer Registrant License.  Flood Cert and Discount Points would both fall under fees that are "reasonable and necessary charges", per MCL 493.72(1)(b) as they are either required to ensure the property is not in a flood zone or borrower chosen so they get the best interest rate available to them. Please cite where these fees are specifically prohibited per this Michigan statute, which is referenced in the Compliance Ease report.    01/19/2026: OD Response:  ***ESCALATED TO COMPLIANCE ENGINE***    01/20/2026: OD comment:  Per Compliance Engine, In the state of Michigan, the Flood Cert Fee-Life of Loan is included in testing.  Flood Cert Fee-Initial Fee is excluded.  Please provide evidence that the Flood Cert fee is Initial fee and not Life of Loan as reflected on the Flood Cert, for the fee to be excluded from this test. 01/26/2026: Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.     60000.00 XX Primary Refinance Debt_Consolidation   23417
SAIF202620240     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 01/06/2026 01/06/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan does not have CU Score as the CU analysis could not be performed. Only appraisals submitted on form 1004 or 1073 in UAD format are analyzed by CU and it is not R&W Eligible.         144000.00 XX Primary Refinance Debt_Consolidation   23273
SAIF202620240     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseQMRegulationFailures 01/06/2026 01/06/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test. Total points and fees of $5,572.80 exceed the threshold of $4,140.91.         144000.00 XX Primary Refinance Debt_Consolidation   23307
SAIF202620240     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTILAResult 01/06/2026 01/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. The filed contains only one CD issued 12/24/2025 and received on 12/28/2025 which is less than 3 days. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   01/20/2026: Initial CD provided in trailing docs, exception cleared.     144000.00 XX Primary Refinance Debt_Consolidation   23311
SAIF202620240     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 01/06/2026 01/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $1,095 to $2,692.80. Valid COC cure of $1,597.80 is required.   01/20/2026: COC provided in trailing docs, exception cleared.     144000.00 XX Primary Refinance Debt_Consolidation   23278
SAIF202620100     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/29/2026 02/18/2026 Waived D B Compliance State Violation   ***NEW EXCEPTION*** This loan failed the lender prepaid finance charge test for the state of KS. The loan is a covered transaction and charges a set of prepaid finance charges, paid to the lender or party affiliated with the lender, which exceed 5% of the amount financed. The lender prepaid finance charge amount of $3522.67 exceeds the threshold of $2561.32 by $961.35. Fees included in testing: Origination Fee paid by Lender of $1080, Discount Points paid by borrower $2284.20, and prepaid interest paid by borrower of $158.47. 02/10/2026: Seller reply:  2/6--This KS test is designed to ensure that the prepaid finance charges do not exceed 5% of the amount financed as indicated by the wording in your finding, but it also indicates that fees NOT paid by the borrower were included in your calculation. Fees that would otherwise be prepaid finance charges that are NOT paid by the borrower are NOT prepaid finance charges and should not be included in this calculation.    02/10/2026: ****OD response:****  We submitted to the compliance engine the Origination fee paid by the lender as fee that was NOT a prepaid finance charge fee, however, the engine results includes the fee.  We have escalated the matter to the compliance engine for clarification/explanation of their test result and fee inclusion. We will update the status upon response from compliance. 02/18/2026: Per Client email 02.17.2026, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Origination fee paid by the lender, would result in no violation.  Waived.     54000.00 XX Primary Refinance CashOut_Other   189591
SAIF202620100     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/22/2025 01/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $1612  to $1152.  Valid Change of Circumstance or Cure of $460 required. 01/08/2026: Seller reply:  01/05 - The lender-paid City/County Tax Stamps was not applied as a general lender credit but as a specific one at the fee level. This fee was ultimately removed at closing, and no cure was required.    01/08/2026: OD Response:  Lender Credits that were disclosed are evaluated on a total Lender Credit basis combining both non-specific and specific lender credits.  Since the lender disclosed total lender credits of $1612 on the initial CD dated 12/09 and the loan closed with total lender credits of $1,152 a valid CoC or cure of $460 was required regardless if the credits disclosed were specific and/or non-specific basis.  If seller has written TRID guidance stating otherwise, please provide and we will review accordingly.    01/19/2026: CoC provided in trailing docs is tied to a CD issued 12/11/2025, however this CD is not included in documents. The file contains only 2 CDs dated 12/09 and 12/12. Please provide 12/11 CD as referenced on CoC. 01/29/2026: COC and 12/11 CD provided in trailing docs, exception cleared.     54000.00 XX Primary Refinance CashOut_Other   22725
SAIF202620130     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/27/2025 02/11/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $753 to $815 and appraisal fee increased from $585 to $635. Valid COC or cure of $112 is required. 01/19/2026: Seller reply: 1/14 Please see the COC form detailing the change in discount points. Specifically for the appraisal fee $50.00 will be refunded to the borrower. $50.00 for the appraisal. Document uploaded on OneDiligence portal    01/19/2026: COC provided for increase in discount points. That portion of the exception is cleared. Appraisal fee increase of $50 will be remediated per Seller.     01/28/2026: Seller reply: 1/22 Remediation underway 02/11/2026: CoC and evidence of cure provided in trailing docs    02/11/2026: Correction to comment PCCD and evidence of cure provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   22863
SAIF202620096     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/29/2025 01/19/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1777.00 to $3398.40. Valid COC or cure of $1621.40 required.   01/19/2026: CoC provided in trailing docs, exception cleared.     118000.00 XX Primary Refinance Debt_Consolidation   22892
SAIF202620096     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/19/2026 01/21/2026 Cleared -Trailing Doc D A Compliance State Violation   ***NEW EXCEPTION*** This loan charged one or more fees prohibited under the MI Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction.  only reasonable and necessary charges that are the actual expenses incurred by the lender in connection with making, closing, disbursing, extending a secondary mortgage can be charged in a secondary mortgage loan transaction.  Total prohibited fee is $2,218.40, fees included in test are: Discount Point fee (portion of the fee that is not bona fide).   01/21/2026: Compliance retested with Bona Fide Discount Point fee, exception cleared.     118000.00 XX Primary Refinance Debt_Consolidation   188925
SAIF202620096     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/19/2026 01/26/2026 Rescinded D A Compliance State Violation   ***NEW EXCEPTION*** This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. 01/21/2026: ***UPDATE*** OD comment: Per Compliance Engine, In the state of Michigan, the Flood Cert Fee-Life of Loan is included in testing. Flood Cert Fee-Initial Fee is excluded. Please provide evidence that the Flood Cert fee is Initial fee and not Life of Loan as reflected on the Flood Cert, for the fee to be excluded. 01/26/2026: Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan." Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.     118000.00 XX Primary Refinance Debt_Consolidation   188924
SAIF202620102     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 12/18/2025 01/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008. The 1008 in the loan file was for a different borrower.   01/09/2026: Provided in trailing docs, exception cleared.     65000.00 XX Primary Refinance CashOut_Other   22614
SAIF202620106     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 12/26/2025 12/26/2025 Waived B B Compliance QM   This loan failed the Qualified Mortgage Lending Policy Points and Fees test. Points and fees of $5,250.49 exceed the threshold of $4,316.42.         149800.00 XX Primary Refinance Debt_Consolidation   22854
SAIF202620277     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_TPOL_Status 01/14/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   Title search in file doesn't reflect a policy amount. Missing commitment or final policy to validate coverage amount.    02/27/2026: Seller reply: 2/24 remailed agent to request document    03/24/2026: Seller Reply: Requested MHELP report from agent 3/20- pending recorded mtg 01/28/2026: Seller reply: 1/21 requested from closing agent    02/11/2026: Seller reply: Requested information from closing agent    03/16/2026: Seller reply: 3/9/26 - Pending Remediation: We are still pending the attorney to re-record the release of lien with the correct book and page. We followed up with the attorney on Friday. Once we have a copy of the corrected release of lien we will issue the policy.    04/03/2026: Seller reply:  requested an update from the agent, pending an update from the attorney on the release of lien, documents taken to PC for recording 04/15/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   23733
SAIF202620277     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/14/2026 01/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Total charges increased from $785 to $875 exceeding tolerance by $11.50. Cure of $511.50 issued on final CD is insufficient for total violations. Valid COC or additional cure of $462 is required for total of 0% and 10% violations.   01/28/2026: COC provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance Debt_Consolidation   23772
SAIF202620277     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/14/2026 01/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Points increased from $878.00 to $1,340 and appraisal fee increased from $165 to $665. Cure of $511.50 issued on final CD is insufficient for total tolerance violations. Valid COC or additional cure of $462 is required for total of 0% and 10% tolerance violations.   01/28/2026: COC provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance Debt_Consolidation   23773
SAIF202620112     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance NOTE1SubjectMortgageMIN_Final 12/23/2025 01/19/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing the Note for the subject lien. For compliance testing, OD used dated from the Final CD, but compliance will be retested upon receipt of the note to confirm accuracy of results. 01/07/2026: Seller reply: 12/29- requested from agent 01/19/2026: Provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance Debt_Consolidation   22783
SAIF202620112     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/23/2025 01/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $1303 to $1415. Valid COC or cure of $112 is required.   01/07/2026: COC provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance Debt_Consolidation   22785
SAIF202620326     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/26/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.   03/12/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   191043
SAIF202620133     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/26/2025 01/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial loan estimate delivery date test (from application).  The file contains only 1 LE issued 11/24/2025 and application date is 11/15/2025. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   01/07/2026: Initial LE provided in trailing docs, exception cleared.     300000.00 XX Primary Refinance CashOut_Other   22838
SAIF202620133     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/26/2025 01/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $0 to $840, origination fee from $0 to $6000, appraisal fee from $0 to $665, credit report fee from $0 to $83.94, and flood cert fee from $0 to $6.00. Valid COC or cure of $7,594.94 required. File contains only 1 LE issued 11/24/2025 and 2 CDs dated 12/12/2025 and 12/17/2025. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   01/07/2026: Initial LE provided in trailing docs, exception cleared.     300000.00 XX Primary Refinance CashOut_Other   22839
SAIF202620133     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/26/2025 01/07/2026 Cleared -Trailing Doc D A Compliance TRID   The loan failed the charges that cannot increase more than 10% test. Total charges increased from $0 to $870. Valid COC or cure of $870 required. File contains only 1 LE issued 11/24/2025 and 2 CDs dated 12/12/2025 and 12/17/2025. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   01/07/2026: Initial LE provided in trailing docs, exception cleared.     300000.00 XX Primary Refinance CashOut_Other   22840
SAIF202620141     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 01/14/2026 01/14/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test. Total points and fees of $4,194 exceed the threshold of $4,139.         90000.00 XX Primary Refinance CashOut_Other   23730
SAIF202620141     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/13/2026 01/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $4167 to $4194. Valid COC or cure of $27 is required.   01/29/2026: COC provided in trailing docs, exception cleared.     90000.00 XX Primary Refinance CashOut_Other   23700
SAIF202620113     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/24/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     107000.00 XX Primary Refinance Debt_Consolidation   189259
SAIF202620113     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/24/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: Provided in trailing docs.     107000.00 XX Primary Refinance Debt_Consolidation   189256
SAIF202620113     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/26/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/16/26 and loan application date is 11/17/25.   02/11/2026: OD Re-reviewed, Rescinds     107000.00 XX Primary Refinance Debt_Consolidation   189306
SAIF202620279     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 01/22/2026 01/22/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         60000.00 XX Primary Refinance Debt_Consolidation   189142
SAIF202620279     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/22/2026 01/22/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.638% APR exceeds the 9.730% threshold to qualify for a safe harbor.         60000.00 XX Primary Refinance Debt_Consolidation   189143
SAIF202620279     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 01/22/2026 02/10/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing final 1008. 1008 in file reflects a different rate, P&I, and appraised value resulting in a discrepancy in qualifying ratios.   02/10/2026: Provided in trailing docs.    02/12/2026: Provided in trailing docs.     60000.00 XX Primary Refinance Debt_Consolidation   189157
SAIF202620279     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 01/22/2026 02/12/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the Lender Credits That Cannot Decrease Test. Lender credit decreased from $1687.20 to $1347. Valid change of circumstance or cure of $340.20 required.   02/12/2026: CoCs provided in trailing docs     60000.00 XX Primary Refinance Debt_Consolidation   189159
SAIF202620279     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/22/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in file were signed electronically, but e-consent documentation is missing.   02/11/2026: Provided in trailing docs.     60000.00 XX Primary Refinance Debt_Consolidation   189127
SAIF202620279     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/22/2026 02/10/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/10/2026: Provided in trailing docs.     60000.00 XX Primary Refinance Debt_Consolidation   189154
SAIF202620279     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/22/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 1/14/2026 and the loan application date is 11/17/2025.   02/11/2026: OD Re-reviewed, Rescinds     60000.00 XX Primary Refinance Debt_Consolidation   189155
SAIF202620118     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 01/14/2026 01/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains only one CD issued 01/06/2026 and the closing date was 01/07/2026 which is less than 3 days. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   01/28/2026: Initial CD provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance Debt_Consolidation   23763
SAIF202620118     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 01/14/2026 01/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test. The file contains evidence the rate was locked 11/18/2025, but there is no corresponding LE reflecting the lock. The file contains only 1 LE dated 11/18/2025 (showing no rate lock) and 1 CD issued 01/06/2026. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   01/28/2026: Provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance Debt_Consolidation   23764
SAIF202620118     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/14/2026 02/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $440 to $540. Valid COC or cure of $100 required. 01/28/2026: COC provided in trailing docs tied to CD dated 12/31/2025, but this CD is not included in documents. File contains 2 LEs issued 11/18 and 11/19, and 2 CDs issued 12/11 and 01/06. Please provide 12/31 CD as referenced on COC. 02/11/2026: rCD provided in trailing docs, exception cleared     50000.00 XX Primary Refinance Debt_Consolidation   23766
SAIF202620151     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 01/13/2026 01/13/2026 Waived B B Compliance QM   This loan failed the QM APR test. The APR of 10.974% exceeds the threshold of 9.390%.         123400.00 XX Primary Refinance Debt_Consolidation   23602
SAIF202620151     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/13/2026 01/13/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.974% APR exceeds the 9.390% threshold to qualify for a safe harbor.         123400.00 XX Primary Refinance Debt_Consolidation   23603
SAIF202620151     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/13/2026 02/06/2026 Waived D B Compliance State Violation   This loan charged one or more fees prohibited under the TX Prohibited Fees Test.  Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. Total prohibited fee is $51.00, fees included in test are: Title - Tax Certificate. 01/30/2026: Seller reply: 1/26 The tax certificate was listed as a lender paid fee, this was not paid by the borrower    02/02/2026: ***REVIEW ESCALATED TO COMPLIANCE ENGINE*** 02/06/2026: Per client email dated 02/04/2026 downgrade and waive.     123400.00 XX Primary Refinance Debt_Consolidation   23605
SAIF202620151     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseHOEPAHPMLHCMResult 01/13/2026 01/13/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         123400.00 XX Primary Refinance Debt_Consolidation   23642
SAIF202620151     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLPrincipalAmount 01/12/2026 01/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a Title Commitment with the final loan amount of $123,400. The Title Commitment reflects a loan amount of $120,000.   01/29/2026: Final policy provided in trailing docs, exception cleared.     123400.00 XX Primary Refinance Debt_Consolidation   23594
SAIF202620151     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMIsPriorTexasEquity 01/13/2026 02/02/2026 Rescinded D A Compliance State Violation   Per TX A6 requirements, debt being paid off may only include debt that encumbers the property. Final CD reflects $60,217 in payoffs to other creditors not reflected on title. 01/30/2026: Seller reply:  Disagree with the findings. The guideline specifies that XXXX may not require the borrower to pay off additional liabilities as a condition of loan approval. However, it does not prohibit the borrower from choosing to pay off any additional liabilities for the loan qualification. 02/02/2026: Review concurs with appeal and rescinds.     123400.00 XX Primary Refinance Debt_Consolidation   23641
SAIF202620143     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/19/2026 01/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount points increased from $678 to $813. Cure of $95.30 issued on final CD is insufficient for total tolerance violations. Valid COC or additional cure of $135.00 required.   01/28/2026: CoC provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance Debt_Consolidation   188930
SAIF202620143     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/19/2026 01/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test. Fees increased from $807 to $983. Final CD reflects a cure of $95.30 that may be tied to this increase, but is insufficient for total tolerance violations. Valid COC or additional cure of $135 required for total of 0% and 10% violations.   01/28/2026: CoC provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance Debt_Consolidation   188931
SAIF202620143     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 01/20/2026 01/28/2026 Cleared -Trailing Doc D A Compliance TILA   This loan failed the TRID Rate Lock Disclosure Delivery Date Test. The file contains evidence the rate was locked 11/26/2025, but there is no corresponding LE reflecting the lock. The file contains only 1 LE dated 11/26/25 (showing no rate lock) and 3 CD dates 12/31/2025, 1/08/2026, and 1/10/2026. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   01/28/2026: LE and COC provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance Debt_Consolidation   188935
SAIF202620143     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/21/2026 01/28/2026 Cleared -Trailing Doc D A Compliance Documentation   The file is missing the e-consent/e-sign form for the borrower and the file contains electronically signed documents.   01/28/2026: Provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance Debt_Consolidation   188976
SAIF202620143     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsExists 01/20/2026 02/10/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing. 01/28/2026: Document provided in trailing docs doesn't satisfy this finding per XXXX requirements. Please provide Master Home Equity Loan Policy Certificate, commitment, or final policy. 02/10/2026: Provided in trailing docs.     60000.00 XX Primary Refinance Debt_Consolidation   188934
SAIF202620138     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/12/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: MHELP provided in trailing docs     65300.00 XX Primary Refinance Debt_Consolidation   190349
SAIF202620165     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 01/15/2026 01/28/2026 Cleared -Trailing Doc D A Compliance TILA   This loan failed the initial closing disclosure delivery date test. The file contains only 1 CD in file issued 01/08/26 and the closing date was 01/09/2026 which is less than 3 days. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   01/28/2026: Initial CD provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance Debt_Consolidation   65137
SAIF202620134     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/21/2026 03/17/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/17/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   190769
SAIF202620134     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/21/2026 02/24/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ****Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         50000.00 XX Primary Refinance CashOut_Other   190773
SAIF202620116     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 02/11/2026 02/25/2026 Waived D B Compliance State Violation   ****NEW EXCEPTION****  This loan fails the high-cost home loan points and fees threshold test. The total points and fees of $3,393.00, exceed threshold limit of $3,322.50 for this loan by $70.50.   Borrower paid fees included in test:  CPL - $35, Discount Pts - $3066, Settlement/Closing - $217 as well as Lender paid Title Services Lender fee - $75.   02/25/2026: Per Client email 02.25.2026, if it is a lender paid fee and documented that way, ok to update to a B.  Exclusion of the Title Services fee paid by the lender, would result in no violation.  Waived.     70000.00 XX Primary Refinance CashOut_Other   190237
SAIF202620116     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/26/2025 02/11/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $1,439 to $3,066. Valid COC or cure of $1,627 required. 01/19/2026: Seller reply: 1/15 Remediation underway     01/29/2026: Seller reply: 1/22 Remediation underway 02/11/2026: CoC and evidence of cure provided in trailing docs     70000.00 XX Primary Refinance CashOut_Other   22857
SAIF202620126     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationMonthlyOtherCosts 01/02/2026 01/20/2026 Cleared -Trailing Doc D A Credit Documentation   Missing documentation to validate the "Other" housing fee listed on the 1008 and URLA Lender Loan Information in the amount of $44.33.   01/20/2026: Provided in trailing docs, exception cleared.     86000.00 XX Primary Refinance Debt_Consolidation   23108
SAIF202620123     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/24/2026 03/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test. Lender Credit decreased from $1505 to $1475.  Valid Change of Circumstance or Cure of $30 is required.    03/16/2026: Seller provided CoCs.  Retesting still results in a $30 lender credit decrease as a result of the CD dated 02/06/2026 reflecting non-specific lender credit of $1505 and the final CD dated 02/12/2026 as well as the PCCD dated 02/19/2026 reflects a non-specific lender credit of $1475.  Valid CoC or cure of $30 required.   03/24/2026: CoC provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   190895
SAIF202620137     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 01/21/2026 01/22/2026 Waived B B Compliance State Violation   This loan failed the CA AB 260 higher-priced mortgage loan test.         245000.00 XX Primary Refinance Debt_Consolidation   189041
SAIF202620137     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/22/2026 01/22/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.008% APR exceeds the 9.730% threshold to qualify for a safe harbor.         245000.00 XX Primary Refinance Debt_Consolidation   189080
SAIF202620137     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/21/2026 02/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $319 to $ 0.  Valid Change of Circumstance or Cure of $319 required.   02/11/2026: CoC provided in trailing docs     245000.00 XX Primary Refinance Debt_Consolidation   189039
SAIF202620137     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/21/2026 02/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $49. Valid COC or additional cure of $49 is required.   02/11/2026: CoC provided in trailing docs     245000.00 XX Primary Refinance Debt_Consolidation   189040
SAIF202620137     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsExists 01/22/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report; however, evidence of the required E&O policy is missing.   02/11/2026: MHELP provided in trailing docs.     245000.00 XX Primary Refinance Debt_Consolidation   189060
SAIF202620193     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/22/2026 02/10/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in the file were signed electronically, but file is missing e-consent documentation.   02/10/2026: Provided in trailing docs.     60000.00 XX Primary Refinance CashOut_Other   189158
SAIF202620193     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/22/2026 02/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1628 to $1923. Valid COC or additional cure of $295 required. 02/12/2026: Seller provided CoC in trailing docs tied to a CD dated 01/08/2026, however the file contains 4 CD dated 12/23/2025, 01/02/2026, 01/13/2026 and 01/15/2026.  Please provide the CD tied to the uploaded CoC. 02/27/2026: Documentation provided in trailing docs     60000.00 XX Primary Refinance CashOut_Other   189161
SAIF202620193     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/22/2026 02/10/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/10/2026: Provided in trailing docs.     60000.00 XX Primary Refinance CashOut_Other   189149
SAIF202620193     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/23/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/15/2026 and the loan application date is 11/26/2025. 02/10/2026: Seller reply: OD to re-review per conversation with XXXX 02/11/2026: OD Re-reviewed, Rescinds     60000.00 XX Primary Refinance CashOut_Other   189171
SAIF202620127     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/14/2026 01/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $3,167.48 to $3,396.13. Valid COC or cure of $228.65 is required.   01/29/2026: COC provided in trailing docs, exception cleared.     134500.00 XX Primary Refinance Debt_Consolidation   23739
SAIF202620140     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 01/06/2026 01/07/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4774.05 exceed the threshold of $4045.00.         101000.00 XX Primary Refinance CashOut_Other   23323
SAIF202620140     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/06/2026 01/19/2026 Waived D B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees included of $5351.97 exceed threshold of $3030.00 by $2321.97.  Fees included in testing:  CPL $60, Flood Cert $6, Orig Fee paid by Borrower $1739,  Orig Fee paid by Lender $281, Discount Pts $3035.05, Prepaid Int -$94.08 and Settlement Fee $325. 01/19/2026: Seller reply:  1/14--In the State of Indiana, XXXX holds a Mortgage Lending License.  XXXX FAQ uploaded for loan # XXXX. On page 3 of the FAQ, it asks/answers the question regarding the applicability for 2nd liens, and details how exceeding the threshold is acceptable, but carries a potential refund possibility in the event of early prepayment. It also references a 2% cap, which increased to 3% in June 2025. There shouldnt be any remediation needed at this point. 01/19/2026: Audit response:  Downgrade and waive per client instruction 01/19/2026     101000.00 XX Primary Refinance CashOut_Other   23329
SAIF202620140     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/06/2026 02/11/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2833.05 to $3035.05. Valid COC or cure of $202 required. 01/19/2026: Seller reply:  1/15 Remediation Underway     01/28/2026: Seller reply: 1/22 Remediation underway 02/11/2026: PCCD and evidence of cure provided in trailing docs     101000.00 XX Primary Refinance CashOut_Other   23322
SAIF202620167     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 01/23/2026 02/11/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the prior W-2s for the prior 2 years for the Borrower (XXXX). No W2s in documents.   02/11/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   189240
SAIF202620167     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 01/23/2026 02/11/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the most recent paystubs covering a 30 day period for the Borrower (XXXX). No paystubs included for this borrower.   02/11/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   189241
SAIF202620167     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/26/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   189284
SAIF202620167     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/26/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   189313
SAIF202620167     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/26/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/08/2026 and loan application date is 11/24/2025.   02/11/2026: OD Re-reviewed, Rescinds     50000.00 XX Primary Refinance CashOut_Other   189314
SAIF202620200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/19/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/12/2026: MHELP provided in trailing docs.     69000.00 XX Primary Refinance Debt_Consolidation   190677
SAIF202620200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 02/23/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing.   03/12/2026: Provided in trailing docs.     69000.00 XX Primary Refinance Debt_Consolidation   190821
SAIF202620200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerExecutedProperly 02/24/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   File is missing Notice of Right to Cancel for the borrower. The file contains only the copy of the non-borrowing Mortgage/Title holder.   03/12/2026: Provided in trailing docs.     69000.00 XX Primary Refinance Debt_Consolidation   190877
SAIF202620256     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing 2 years W2s for co-borrower as required by guidelines. No W2s in file for this borrower.   03/02/2026: provided in trailing     50000.00 XX Primary Refinance Debt_Consolidation   189989
SAIF202620256     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: provide in trailing     50000.00 XX Primary Refinance Debt_Consolidation   189991
SAIF202620256     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/06/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   190019
SAIF202620139     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance NOTE1BorrNameString_All 12/31/2025 01/19/2026 Cleared -Trailing Doc D A Credit Documentation   The Note is missing from the loan file.  Review used figures from final CD to test compliance, however, data will be validated upon receipt of the note and compliance retested as needed.   01/19/2026: Provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance CashOut_Other   23071
SAIF202620139     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 12/31/2025 01/19/2026 Cleared -Trailing Doc D A Credit Documentation   Final 1003 is not in the loan file.   01/19/2026: Provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance CashOut_Other   23074
SAIF202620139     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 01/01/2026 01/19/2026 Cleared -Trailing Doc D A Credit Documentation   The Borrower's ID/Patriot Act form is missing from the loan file.   01/19/2026: Provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance CashOut_Other   23075
SAIF202620139     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/01/2026 01/19/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  The Recording Fees increased from $349 to $412.  Valid COC or cure of $63 is required.   01/19/2026: CoC provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance CashOut_Other   23076
SAIF202620139     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/01/2026 01/19/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2065 to $2478. Valid COC or additional cure of $413 is required.   01/19/2026: CoC provided in trailing docs, exception cleared.     60000.00 XX Primary Refinance CashOut_Other   23077
SAIF202620157     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 01/12/2026 01/13/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5069.97exceed the threshold of $4311.82.         149999.00 XX Primary Refinance Debt_Consolidation   23585
SAIF202620157     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/12/2026 01/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the written list of service providers disclosure date test.  Service providers list was not provided to the borrower within 3 days of the application date of 11/25/2025.  The only copy in file is dated 12/17/2025.   01/29/2026: Provided in trailing docs, exception cleared.     149999.00 XX Primary Refinance Debt_Consolidation   23587
SAIF202620157     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/12/2026 01/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,132 to $2,069.99. Valid COC or cure of $937.99 required.   01/29/2026: COC provided in trailing docs, exception cleared.     149999.00 XX Primary Refinance Debt_Consolidation   23592
SAIF202620153     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/02/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided in trailing docs     75000.00 XX Primary Refinance Debt_Consolidation   189759
SAIF202620153     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/02/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: Provided in trailing docs     75000.00 XX Primary Refinance Debt_Consolidation   189763
SAIF202620206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseStateRegsResult 02/26/2026 02/26/2026 Waived B B Compliance State Violation   This loan failed the Origination Fee Test for MO. The Loan Origination Fee of $3175 exceeds the threshold of $2500, or 5% of the loan amount.****Per Client email 02.17.2026, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation. The Lender paid portion of the Origination Fee in the amount of $800 covered the amount of the Origination Fee that exceeded the threshold by $675. This results in there being no violation.  Waived.****         50000.00 XX Primary Refinance CashOut_Other   191077
SAIF202620206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalValueUsedLenderLTV 03/16/2026 03/16/2026 Waived B B Valuation Value   1004MC appraisal dated 12/12/2025 value has a variance of 17.1082% from the AVM dated 11/17/2025 which is greater than the 10% variance permitted.  Lender used the lower value to qualify the loan.  Per client, non-material, downgrade and acknowledge".         50000.00 XX Primary Refinance CashOut_Other   192000
SAIF202620206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 02/26/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing     50000.00 XX Primary Refinance CashOut_Other   191057
SAIF202620206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var E-Consent_DocExist 02/26/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/16/2026: Provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191067
SAIF202620206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 02/26/2026 03/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test.  The Loan Discount Fee increased from $1478 to $2160 and the Appraisal Fee increased from $165 to $635.  The lender provided a tolerance cure of $470 on the final CD however it is insufficient for total cure.  Valid CoC or additional cure of $682.00 is required.   03/16/2026: CoCs provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191076
SAIF202620195     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalMoHOAFees 01/28/2026 02/11/2026 Cleared -Trailing Doc D A Credit Documentation   Missing HOA assessment documentation.   02/11/2026: Provided in trailing docs.     60000.00 XX Primary Refinance CashOut_Other   189541
SAIF202620195     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/28/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing. 02/11/2026: Seller Response: 2/5/26 - pending final recording - remediation 02/27/2026: MHELP provided in trailing docs     60000.00 XX Primary Refinance CashOut_Other   189542
SAIF202620195     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/28/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     60000.00 XX Primary Refinance CashOut_Other   189544
SAIF202620195     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/29/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/22/2026 and loan application date is 12/01/2025. LE indicates lender does not intend to service the loan.   02/11/2026: OD Re-reviewed, Rescinds     60000.00 XX Primary Refinance CashOut_Other   189558
SAIF202620177     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 02/03/2026 02/03/2026 Waived B B Compliance QM   This loan failed the Qualified Mortgage Lending Policy Points and Fees test. Points and fees of $5,512.65 exceed the threshold of $4,113.79.         143000.00 XX Primary Refinance CashOut_Other   189848
SAIF202620177     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 02/03/2026 02/27/2026 Cleared -Trailing Doc D A Credit Employment   File is missing VOE within 10 days of closing. No VOE in documents.   02/27/2026: Provided in trailing docs     143000.00 XX Primary Refinance CashOut_Other   189834
SAIF202620177     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/03/2026 02/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/27/2026: Provided in trailing docs     143000.00 XX Primary Refinance CashOut_Other   189840
SAIF202620192     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/15/2026 01/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1253 to $1290. Valid COC or cure of $37 required.   01/28/2026: COC provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance CashOut_Other   65138
SAIF202620203     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/23/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     177500.00 XX Primary Refinance Debt_Consolidation   189173
SAIF202620203     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/23/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: MHELP report provided in trailing docs.     177500.00 XX Primary Refinance Debt_Consolidation   189197
SAIF202620203     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/23/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/14/2026 and loan application date is 12/04/2025.   02/11/2026: OD Re-reviewed, Rescinds     177500.00 XX Primary Refinance Debt_Consolidation   189198
SAIF202620316     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   189930
SAIF202620316     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/02/2026: provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   189957
SAIF202620377     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 02/12/2026 02/12/2026 Waived B B Compliance Documentation   This loan failed the Revised CD Delivery Date Test (Wait Period Required). This is tied to the 01/12/2026 CD due to APR became inaccurate, however, loan passes all TILA/TRID testing.  Non-material due to no APR issue at time of closing, loan passes QM testing and passes QM Safe Harbor testing.         50000.00 XX Primary Refinance Debt_Consolidation   190326
SAIF202620377     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 01/23/2026 02/12/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains only 1 CD issued 01/14/2026 and the closing date was 01/15/2026 which is less than 3 days. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   02/12/2026: 2 CDs and CoCs provided in trailing docs.  Exception cleared     50000.00 XX Primary Refinance Debt_Consolidation   189206
SAIF202620377     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/23/2026 02/27/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing. 02/11/2026: Seller reply:  2/5/26 - pending final recording - remediation 02/27/2026: FTP provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   189216
SAIF202620377     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/23/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/15/26 and loan application date is 12/01/25.   02/11/2026: OD Re-reviewed, Rescinds     50000.00 XX Primary Refinance Debt_Consolidation   189215
SAIF202620209     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/28/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/20/26 and loan application date is 12/02/25.   02/11/2026: OD Re-reviewed, Rescinds     60400.00 XX Primary Refinance CashOut_Other   189487
SAIF202620190     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 01/08/2026 01/09/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4336.50 exceed the threshold of $4045.         105000.00 XX Primary Refinance CashOut_Other   23422
SAIF202620190     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 01/07/2026 01/19/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimated dated 12/02/2025 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 12/08 but the next disclosure is a CD dated 12/22/2025.  There is no corresponding LE, CD and CoC reflecting the rate lock.   01/19/2026: Provided in trailing docs     105000.00 XX Primary Refinance CashOut_Other   23397
SAIF202620190     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerPhotoIdentificationType 01/08/2026 01/19/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Borrower's personal identification documentation.   01/19/2026: Provided in trailing docs     105000.00 XX Primary Refinance CashOut_Other   23419
SAIF202620190     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/07/2026 02/11/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Points increased from $1,712.00 to $2,226.50. Valid COC or additional cure of $524.50 required. 01/19/2026: Seller reply:  1/15 Remediation Underway     01/28/2026: Seller reply: 1/22 Remediation underway 02/11/2026: PCCD and evidence of cure provided in trailing docs     105000.00 XX Primary Refinance CashOut_Other   23396
SAIF202620161     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/20/2026 01/28/2026 Cleared -Trailing Doc D A Compliance Documentation   The file is missing the e-consent/e-sign for the borrower and the file contains documents that were electronically signed.   01/28/2026: Provided in trailing docs, exception cleared.     110000.00 XX Primary Refinance Debt_Consolidation   188973
SAIF202620161     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/20/2026 02/10/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing. 01/28/2026: Document provided in trailing docs doesn't satisfy this finding per XXXX requirements. Please provide Master Home Equity Loan Policy Certificate, commitment, or final policy. 02/10/2026: Provided in trailing docs.     110000.00 XX Primary Refinance Debt_Consolidation   188972
SAIF202620171     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/28/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: Provided in trailing docs.     68500.00 XX Primary Refinance Debt_Consolidation   189502
SAIF202620171     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/28/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/21/26 and loan application date is 12/02/25.   02/11/2026: OD Re-reviewed, Rescinds     68500.00 XX Primary Refinance Debt_Consolidation   189505
SAIF202620166     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/22/2026 02/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $66 to $33.  Valid Change of Circumstance or cure of $33 required.   02/11/2026: CoC provided in trailing docs.     55000.00 XX Primary Refinance CashOut_Other   189104
SAIF202620166     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/22/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in file were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     55000.00 XX Primary Refinance CashOut_Other   189110
SAIF202620166     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditHistoryLiensNumber 01/22/2026 02/11/2026 Rescinded D A Credit Documentation   Missing documentation to verify that the Home Improvement/Home Equity Loan with XXXX opened on 09/04/2025 per the credit report is not secured by the subject property in 2nd lien position. 02/11/2026: Seller response: Please clarify defect as XXXX only finances improvements and does not file a lien on property 02/11/2026: OD reply:  OD re-reviewed, liability included in DTI calculation, no lien on title, exception rescinded.     55000.00 XX Primary Refinance CashOut_Other   189113
SAIF202620166     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/22/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/15/26 and loan application date is 12/03/25.   02/11/2026: OD Re-reviewed, Rescinds     55000.00 XX Primary Refinance CashOut_Other   189115
SAIF202620199     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/30/2026 02/02/2026 Waived A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan." Per 01/23/2026 email with Client, they concur and OD waives even though CE report reflects test failure.         53500.00 XX Primary Refinance CashOut_Other   189612
SAIF202620199     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/29/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/27/2026: MHELP provided in trailing docs     53500.00 XX Primary Refinance CashOut_Other   189590
SAIF202620199     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/30/2026 02/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/27/2026: eConsent provided in trailing docs     53500.00 XX Primary Refinance CashOut_Other   189601
SAIF202620199     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 02/02/2026 02/27/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/23/26 and loan application date is 12/08/25. iLE indicates lender will not be servicing the loan.   02/27/2026: Rescind, LE acceptable disclosure     53500.00 XX Primary Refinance CashOut_Other   189710
SAIF202620169     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalMoHOAFees 01/13/2026 01/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the HOA Dues from the loan file.   01/29/2026: Provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance CashOut_Other   23655
SAIF202620169     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/13/2026 01/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $440 to $565. Valid COC or additional cure of $125 is required.   01/29/2026: COC provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance CashOut_Other   23663
SAIF202620221     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP in trailing docs     112000.00 XX Primary Refinance Debt_Consolidation   189878
SAIF202620221     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: Provided in trailing docs     112000.00 XX Primary Refinance Debt_Consolidation   189882
SAIF202620191     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 01/08/2026 01/12/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 9.479. The APR threshold to qualify for a safe harbor is 9.410         115000.00 XX Primary Refinance Debt_Consolidation   23465
SAIF202620191     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 01/08/2026 01/12/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         115000.00 XX Primary Refinance Debt_Consolidation   23467
SAIF202620191     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/09/2026 01/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2280 to $2300. Valid COC or additional cure of $20 required.   01/20/2026: COC provided in trailing docs, exception cleared.     115000.00 XX Primary Refinance Debt_Consolidation   23522
SAIF202620191     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/09/2026 01/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $578 to $737.75.  Valid COC or cure of $101.95 required.   01/20/2026: COC provided in trailing docs, exception cleared.     115000.00 XX Primary Refinance Debt_Consolidation   23523
SAIF202620191     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/09/2026 01/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.  Lender Credit decreased from $92 to $6.  Valid Change of Circumstance or Cure of $86 required.   01/20/2026: COC provided in trailing docs, exception cleared.     115000.00 XX Primary Refinance Debt_Consolidation   23525
SAIF202620194     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/23/2026 02/10/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/10/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   189224
SAIF202620194     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/26/2026 02/10/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/10/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   189276
SAIF202620194     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/26/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/15/26 and loan application date is 12/04/25. 02/10/2026: Seller reply: OD to re-review per conversation with XXXX 02/11/2026: OD Re-reviewed, Rescinds     50000.00 XX Primary Refinance Debt_Consolidation   189283
SAIF202620172     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/26/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     109000.00 XX Primary Refinance CashOut_Other   189299
SAIF202620172     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/26/2026 02/12/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $1000 to $1090. Valid COC or cure of $90 required.   02/12/2026: CoC provided in trailing docs     109000.00 XX Primary Refinance CashOut_Other   189304
SAIF202620172     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/26/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing. 02/11/2026: 2/5/26 - pending final recording - remediation 02/27/2026: MHELP report provided in trailing docs     109000.00 XX Primary Refinance CashOut_Other   189316
SAIF202620172     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 01/26/2026 02/12/2026 Cleared -Trailing Doc D A Compliance Documentation   This loan failed the initial closing disclosure delivery date test.  The file contains only one CD issued 01/15/2016 and the closing date was 01/16/2026 which is less than 3 days. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   02/12/2026: CoC and CD provided in trailing docs     109000.00 XX Primary Refinance CashOut_Other   189321
SAIF202620172     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/26/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/15/2026 and loan application date is 12/05/2025.   02/11/2026: OD Re-reviewed, Rescinds     109000.00 XX Primary Refinance CashOut_Other   189320
SAIF202620241     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 01/16/2026 01/16/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $9938.43 exceed the threshold of $6072.83.         213500.00 XX Primary Refinance CashOut_Other   106435
SAIF202620183     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/02/2026 03/03/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $7,546.80 exceed the threshold of $5,716.82         198600.00 XX Primary Refinance Debt_Consolidation   191285
SAIF202620183     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/02/2026 03/03/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         198600.00 XX Primary Refinance Debt_Consolidation   191294
SAIF202620183     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 03/02/2026 03/03/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.34% APR exceeds the 9.410% threshold to qualify for a safe harbor.         198600.00 XX Primary Refinance Debt_Consolidation   191300
SAIF202620183     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/03/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   Per XXXX guidelines, for Loan amounts greater than 150k, a full ALTA title report required. Per the subject note, the loan amount is $198,600. The loan file is missing a full title policy and only contains a title search that reflects a loan amount of $195,000. 03/13/2026: seller response:  Per Guidelines: All Loan sizes are eligible for MHELP (Master Home Equity Loan Policy) excluding NY loan amounts greater than $250,000 which require Full Alta  Title. Maximum age of the title report is 90 days.    03/13/2026: Please provide full Alta Title or MHELP as required by guidelines since file contains only title search as indicated.  thank you. 03/24/2026: MHELP provided in trailing docs     198600.00 XX Primary Refinance Debt_Consolidation   191331
SAIF202620183     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/02/2026 03/13/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/13/2026: Provided in trailing     198600.00 XX Primary Refinance Debt_Consolidation   191263
SAIF202620536     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/13/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: Provided in trailing docs.     115000.00 XX Primary Refinance Debt_Consolidation   190418
SAIF202620536     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/13/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the E-Consent disclosure. The loan contained documents signed electronically. 03/02/2026: Seller Reply: 2/19--Proof of E-Consent will be provided. Document uploaded on OneDiligence portal    03/02/2026: OD Response: Proof of E-Consent not uploaded to the portal as of 03/02/2026. 03/12/2026: Provided in trailing docs.     115000.00 XX Primary Refinance Debt_Consolidation   190427
SAIF202620073     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 01/28/2026 02/11/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Notice of Right to Cancel for the borrower. File only includes non-borrowing spouse's RTC.   02/11/2026: Provided in trailing docs.     175000.00 XX Primary Refinance CashOut_Other   189537
SAIF202620073     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/28/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     175000.00 XX Primary Refinance CashOut_Other   189538
SAIF202620073     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/28/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: MHELP provided in trailing docs.     175000.00 XX Primary Refinance CashOut_Other   189535
SAIF202620073     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/28/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/22/2026 and loan application date is 12/09/2025. LE indicates lender does not intend to service the loan.   02/11/2026: OD Re-reviewed, Rescinds     175000.00 XX Primary Refinance CashOut_Other   189539
SAIF202620205     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/09/2026 01/19/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,309 to $2403.  Transfer Taxe fees increased from $1,190 to $1,260.   Valid COC's or additional cure of $1,164 required.   01/19/2026: Provided in trailing docs, cleared     90000.00 XX Primary Refinance Debt_Consolidation   23545
SAIF202620205     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerPhotoIdentificationType 01/12/2026 01/19/2026 Rescinded D A Credit Documentation   Missing the Borrower's personal identification documentation.   01/19/2026: Review rescinds, documentation in file and provided as required.     90000.00 XX Primary Refinance Debt_Consolidation   23553
SAIF202620271     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/28/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing. 02/11/2026: Seller Response: 2/5/26 - pending final recording - remediation 02/27/2026: MHELP provided in trailing docs     100000.00 XX Primary Refinance CashOut_Other   189504
SAIF202620271     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/28/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     100000.00 XX Primary Refinance CashOut_Other   189521
SAIF202620271     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/28/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/20/26 and loan application date is 12/11/25.   02/11/2026: OD Re-reviewed, Rescinds     100000.00 XX Primary Refinance CashOut_Other   189532
SAIF202620369     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/31/2026 02/02/2026 Waived A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because thse fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee.  Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan." Per 01/23/2026 email with Client, they concur and OD waives even though CE report reflects test failure.         50000.00 XX Primary Refinance CashOut_Other   189684
SAIF202620369     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/02/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/27/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   189695
SAIF202620369     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/31/2026 02/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/27/2026: provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   189683
SAIF202620292     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 01/23/2026 01/23/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         95000.00 XX Primary Refinance Debt_Consolidation   189192
SAIF202620292     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/23/2026 01/23/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with qualified mortgage rule. The loan has an APR of 9.523%. The APR threshold to qualify for a safe harbor is 9.440%.         95000.00 XX Primary Refinance Debt_Consolidation   189193
SAIF202620292     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/22/2026 02/10/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/10/2026: Provided in trailing docs.     95000.00 XX Primary Refinance Debt_Consolidation   189163
SAIF202620292     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/23/2026 02/10/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/10/2026: Provided in trailing docs.     95000.00 XX Primary Refinance Debt_Consolidation   189180
SAIF202620292     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/23/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/15/26 and loan application date is 12/16/25. 02/10/2026: OD to re-review per conversation with XXXX 02/11/2026: OD Re-reviewed, Rescinds     95000.00 XX Primary Refinance Debt_Consolidation   189188
SAIF202620220     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/23/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     100000.00 XX Primary Refinance CashOut_Other   189253
SAIF202620220     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/23/2026 03/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $0 to $980. Valid COC or cure of $980 required. 02/12/2026: Seller provided CoC in trailing docs tied to a CD dated 01/09/2026; however, the file contains 2 CDs dated 12/30/2025 and 01/15/2026. Please provide the CD tied to the CoC. 03/02/2026: 01/09 CD provided in trailing docs, exception cleared     100000.00 XX Primary Refinance CashOut_Other   189254
SAIF202620220     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/26/2026 02/11/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing. 06/18/2026: corrected exception grade 02/11/2026: Provided in trailing docs.     100000.00 XX Primary Refinance CashOut_Other   189322
SAIF202620220     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/26/2026 03/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the Lender Credits That Cannot Decrease Test. Lender credit decreased from $20 to $6. Valid change of circumstance or cure of $14 required. 02/12/2026: Seller provided CoC in trailing docs tied to a CD dated 01/09/2026; however, the file contains 2 CDs dated 12/30/2025 and 01/15/2026. Please provide the CD tied to the CoC. 03/02/2026: 01/09 CD provided in trailing docs, exception cleared     100000.00 XX Primary Refinance CashOut_Other   189328
SAIF202620220     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/23/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/16/26 and loan application date is 12/13/25   02/11/2026: OD Re-reviewed, Rescinds     100000.00 XX Primary Refinance CashOut_Other   189252
SAIF202620273     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/30/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     135280.00 XX Primary Refinance Debt_Consolidation   189671
SAIF202620273     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/30/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: MHELP provided in trailing docs.     135280.00 XX Primary Refinance Debt_Consolidation   189672
SAIF202620273     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/30/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/23/26 and loan application date is 12/15/25. LE indicates lender will not be servicing the loan.   02/11/2026: OD Re-reviewed, Rescinds     135280.00 XX Primary Refinance Debt_Consolidation   189674
SAIF202620333     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance NoteDetailUndiscountedRate 03/06/2026 03/25/2026 Cleared -Trailing Doc D A Credit Documentation   Undiscounted rate missing from file.  Unable to determine if a portion or all of the Discount Points fee are bona fide.  Compliance tested based on fee not bona fide.   03/25/2026: Provided in trailing docs     67000.00 XX Primary Refinance Debt_Consolidation   191642
SAIF202620333     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 03/09/2026 03/25/2026 Cleared -Trailing Doc D A Credit Documentation   Missing an updated mortgage statement, credit supplement and/or pay history for the senior lien to confirm the UPB and satisfactory pay history. The mortgage statement in file shows next due for 01/01/2026 and the credit reported in file shows the mortgage last reported on 12/10/2025.  The loan closed 02/27/2026.   03/25/2026: Provided in trailing docs     67000.00 XX Primary Refinance Debt_Consolidation   191769
SAIF202620333     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 03/09/2026 03/25/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan failed the NM High-Cost Mortgage Loan Points and Fees Threshold Test.  Total points and fees of $3406.40 exceeds threshold limit of $3350 by $56.40. Borrower paid fees included in test:  Commitment Fee - $100, Discount Pts - $2961.40, Settlement/Closing - $325, and Title Other Title Fees - $20.   03/25/2026: Retested using a corrected fee name, results in passing test.  Exception cleared.     67000.00 XX Primary Refinance Debt_Consolidation   191774
SAIF202620333     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 03/09/2026 03/25/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan failed the NM High-Cost Mortgage Loan Financing Points and Fees Threshold Test.  Total points and fees of $3406.40 exceeds threshold limit of $1340 by $2066.40. Borrower paid fees included in test:  Commitment Fee - $100, Discount Pts - $2961.40, Settlement/Closing - $325, and Title Other Title Fees - $20. 03/25/2026: Seller response:  DUPLICATIVE FINDING---The $100 Title Binder/Commitment fee is a 3rd party fee,  not a prepaid finance charge, and should not be included in the calculation for this test 03/25/2026: OD Reply:  It is not a duplicative finding it is a separate finding resulting in a different threshold limit violation.  However, retesting  using a corrected fee name, results in passing test.  Exception cleared.     67000.00 XX Primary Refinance Debt_Consolidation   191775
SAIF202620333     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_Status 03/10/2026 03/10/2026 Cleared -Trailing Doc D A Compliance Documentation   The Final Closing Disclosure reflects a negative Loan Origination Fee.  Please provide corrected PCCD to reflect the lender credit as a credit and not a negative fee.   03/10/2026: Provided in trailing docs     67000.00 XX Primary Refinance Debt_Consolidation   191800
SAIF202620242     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 01/28/2026 02/02/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         67000.00 XX Primary Refinance CashOut_Other   189548
SAIF202620242     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/28/2026 02/02/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 10.228%. The APR threshold to qualify for a safe harbor is 9.360%.         67000.00 XX Primary Refinance CashOut_Other   189549
SAIF202620242     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/28/2026 02/11/2026 Waived D B Compliance State Violation   This loan charged one or more fees prohibited under the TX Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction.  Only reasonable and necessary charges that are the actual expenses incurred by the lender in connection with making, closing, disbursing, extending a secondary mortgage can be charged in a secondary mortgage loan transaction.  Total prohibited fee is $81, fees included in test are:  Insurance Replacement Value fee paid by the borrower of $30 and the Title Tax Certificate paid by the lender of $51.   02/11/2026: OD notes - fails test fee by only $51, original result incorrect due to incorrect fee entry, the Title Tax Certificate fee paid by the lender of $51 is only fee.  Additionally, per client email 02/24/2026, since fee was paid by originator, ok to downgrade and acknowledge.     67000.00 XX Primary Refinance CashOut_Other   189550
SAIF202620242     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/28/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     67000.00 XX Primary Refinance CashOut_Other   189545
SAIF202620242     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/29/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/20/26 and loan application date is 12/11/25. iLE indicates lender will not be servicing the loan.   02/11/2026: OD Re-reviewed, Rescinds     67000.00 XX Primary Refinance CashOut_Other   189557
SAIF202620210     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/06/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided in trailing docs     60000.00 XX Primary Refinance Debt_Consolidation   190034
SAIF202620210     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerOtherIncome 02/06/2026 03/02/2026 Cleared -Trailing Doc D A Credit Income   File is missing current pension statement, 1099, tax returns, or bank statements to document pension income. Indexed imaged files referencing these document did not load, please reupload.   03/02/2026: Retirement Annuity stmt provided in trailing docs     60000.00 XX Primary Refinance Debt_Consolidation   190038
SAIF202620272     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/29/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing. 02/11/2026: Seller Response: 2/5/26 - pending final recording - remediation 02/27/2026: MHELP provided in trailing docs     130000.00 XX Primary Refinance Debt_Consolidation   189582
SAIF202620272     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 02/02/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/23/26 and loan application date is 12/15/25. iLE indicates lender will not be servicing the loan.   02/11/2026: OD Re-reviewed, Rescinds     130000.00 XX Primary Refinance Debt_Consolidation   189707
SAIF202620228     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 01/29/2026 02/02/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         288829.00 XX Primary Refinance Debt_Consolidation   189595
SAIF202620228     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/29/2026 02/02/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.955% APR exceeds the 9.72% threshold to qualify for a safe harbor.         288829.00 XX Primary Refinance Debt_Consolidation   189598
SAIF202620228     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 01/30/2026 02/02/2026 Waived B B Compliance QM   This loan failed the Qualified Mortgage Lending Policy Points and Fees test. Points and fees of $13,719.86 exceed the threshold of $8,234.32.         288829.00 XX Primary Refinance Debt_Consolidation   189607
SAIF202620228     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/29/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     288829.00 XX Primary Refinance Debt_Consolidation   189593
SAIF202620228     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/30/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/23/26 and loan application date is 12/11/25. iLE indicates lender will not be servicing the loan.   02/11/2026: OD Re-reviewed, Rescinds     288829.00 XX Primary Refinance Debt_Consolidation   189605
SAIF202620212     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 01/21/2026 01/22/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test. Total points and fees of $5,093 exceed the threshold of $4,139.         110000.00 XX Primary Refinance Debt_Consolidation   189046
SAIF202620212     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/21/2026 02/10/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in file were signed electronically, but file is missing e-consent documentation.   02/10/2026: Provided in trailing docs.     110000.00 XX Primary Refinance Debt_Consolidation   188993
SAIF202620212     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/21/2026 02/10/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/10/2026: Provided in trailing docs.     110000.00 XX Primary Refinance Debt_Consolidation   189035
SAIF202620275     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLLegalDescription 02/06/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The legal description was not included with the title search.  The title searches in file are incomplete referencing 8 pages but only 5 are provided   03/02/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   190057
SAIF202620275     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/06/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/02/2026: provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   190065
SAIF202620275     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsExists 02/09/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   190127
SAIF202620243     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/06/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: provided in trailing docs     75000.00 XX Primary Refinance Debt_Consolidation   190037
SAIF202620243     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/06/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided in trailing docs     75000.00 XX Primary Refinance Debt_Consolidation   190058
SAIF202620230     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/21/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   This loan file is missing evidence of e-consent and the file contains documents that were electronically signed by the borrowers.   02/11/2026: Provided in trailing docs.     111500.00 XX Primary Refinance Debt_Consolidation   189006
SAIF202620230     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/21/2026 02/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $2130 to $2230. The Transfer Taxes increased from $187.75 to $223.00. Valid COC or cure of $135.25 required.    02/11/2026: CoC provided in trailing docs.   02/11/2026:     111500.00 XX Primary Refinance Debt_Consolidation   189045
SAIF202620230     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/22/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business day of application. Document in file is dated 01/13/26 and loan application date is 12/12/25.   02/11/2026: OD Re-reviewed, Rescinds     111500.00 XX Primary Refinance Debt_Consolidation   189084
SAIF202620644     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 02/26/2026 02/27/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4891.54 exceed the threshold of $4139.         110261.00 XX Primary Refinance Debt_Consolidation   191070
SAIF202620644     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/26/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing e-consent disclosure.   03/16/2026: Provided in trailing     110261.00 XX Primary Refinance Debt_Consolidation   191038
SAIF202620644     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/26/2026 03/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Appraisal fee increased from $165 to $1015. Valid COC or additional cure of $850 required.   03/16/2026: CoC provided in trailing docs     110261.00 XX Primary Refinance Debt_Consolidation   191039
SAIF202620231     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/12/2026 02/18/2026 Waived D B Compliance State Violation   This loan failed the Brokerage/Finder Fee Test for VA. The Loan Origination Fee of $2502.50 exceeded the threshold of $2339.45, or 5% of the loan amount, by $163.05.  Fees including in test are as follows: Origination fee paid by borrower - $710, Origination fee paid by lender - $290 and, Discount point fee paid by the borrower of $1502.50.   02/18/2026: Per Client email 02.17.2026, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the portion of the Origination fee paid by the lender, would result in no violation.  Waived.     50000.00 XX Primary Refinance CashOut_Other   190348
SAIF202620219     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/22/2026 02/10/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that electronically signed.   02/10/2026: Provided in trailing docs.     125900.00 XX Primary Refinance CashOut_Other   189124
SAIF202620219     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/23/2026 02/10/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/10/2026: Provided in trailing docs.     125900.00 XX Primary Refinance CashOut_Other   189174
SAIF202620219     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/23/2026 02/11/2026 Rescinded D A Compliance Documentation   The servicing disclosure was provided. However, it was not provided within 3 days of the application. The loan initial application was 12/13/2026. The disclosure is date 1/15/2026. 02/10/2026: Seller reply: OD to re-review per conversation with XXXX 02/11/2026: OD Re-reviewed, Rescinds     125900.00 XX Primary Refinance CashOut_Other   189175
SAIF202620204     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/29/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     70000.00 XX Primary Refinance Debt_Consolidation   189576
SAIF202620204     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/29/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: MHELP provided in trailing docs.     70000.00 XX Primary Refinance Debt_Consolidation   189568
SAIF202620204     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/30/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/23/26 and loan application date is 12/15/25. LE indicates lender does not intend to service the loan.   02/11/2026: OD Re-reviewed, Rescinds     70000.00 XX Primary Refinance Debt_Consolidation   189609
SAIF202620246     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/05/2026 02/05/2026 Waived A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee.   Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan." Per 01/23/2026 email with Client, they concur and OD waives even though CE report reflects test failure.         80000.00 XX Primary Refinance CashOut_Other   189875
SAIF202620246     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 Transmittal Summary reflecting the final loan amount of $80,000. The 1008's in the file reflect a loan amount of $60,000 with all ratios not properly reflective of the loan file.   03/02/2026: provided in trailing docs     80000.00 XX Primary Refinance CashOut_Other   189877
SAIF202620246     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided     80000.00 XX Primary Refinance CashOut_Other   189863
SAIF202620246     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: Provided in trailing docs     80000.00 XX Primary Refinance CashOut_Other   189864
SAIF202620245     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/03/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided     50000.00 XX Primary Refinance Debt_Consolidation   189818
SAIF202620245     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/03/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: Provided trailing     50000.00 XX Primary Refinance Debt_Consolidation   189821
SAIF202620274     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/02/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: Provided in trailing docs     52000.00 XX Primary Refinance Debt_Consolidation   189718
SAIF202620274     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/02/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: provided in trailing     52000.00 XX Primary Refinance Debt_Consolidation   189736
SAIF202620274     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/02/2026 03/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test. Lender Credit decreased from $728 to $ 524.68. Valid Change of Circumstance or Cure of $203.32 required.   03/02/2026: CoC provided in trailing docs     52000.00 XX Primary Refinance Debt_Consolidation   189742
SAIF202620255     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1LegalDescription 02/03/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Exhibit A (Legal Description) of the Deed of Trust. 06/18/2026: corrected exception grade 03/02/2026: Provided in trailing     50000.00 XX Primary Refinance CashOut_Other   189831
SAIF202620255     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 02/03/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing paystubs for B1 covering the most recent 30 day period. No paystubs in file for XXXX.    03/02/2026:   03/02/2026: Provided in trailing    03/02/2026: Provided in trailing    03/02/2026: corrected grade     50000.00 XX Primary Refinance CashOut_Other   189838
SAIF202620255     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/03/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: provided in trailing     50000.00 XX Primary Refinance CashOut_Other   189846
SAIF202620436     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/26/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 04/06/2026: Seller reply:  Pending Remediation. Reached out to vendor 04/15/2026: MHELP provided in trailing docs     149500.00 XX Primary Refinance CashOut_Other   192646
SAIF202620436     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/26/2026 04/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $598.00.  The loan also required a $1.00 cure for Lender Credit violation.  The lender provided a tolerance cure of $156.98 on the final CD however it is insufficient for total cure. Valid CoC or additional cure of $442.02 is required for both violations.   04/06/2026: CoCs provided in trailing docs     149500.00 XX Primary Refinance CashOut_Other   192658
SAIF202620436     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/27/2026 04/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $7.00  to $6.00.  Valid Change of Circumstance or Cure of $1.00 required.  The loan also requires a $598.00 cure for 0 tolerance violation.  The lender provided a tolerance cure of $156.98 on the final CD however it is insufficient for total cure. Valid CoC or additional cure of $442.02 is required for both violations.   04/06/2026: CoCs provided in trailing docs     149500.00 XX Primary Refinance CashOut_Other   192725
SAIF202620232     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 02/25/2026 02/27/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5781.25 exceed the threshold of $4139.00.         125000.00 XX Primary Refinance Debt_Consolidation   191017
SAIF202620232     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/24/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/16/2026: Provided in trailing docs     125000.00 XX Primary Refinance Debt_Consolidation   190909
SAIF202620232     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/25/2026 03/25/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $799 to $898.  Valid CoC or cure of $19.10 required. 03/16/2026: Seller comment:  Agree - Refund will be issued 03/25/2026: Seller provided PCCD and evidence of cure in trailing docs     125000.00 XX Primary Refinance Debt_Consolidation   191007
SAIF202620232     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/25/2026 03/25/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1256 to $5781.25 and the Transfer Taxes increased from $413 to $687.50. Valid CoC or additional cure of $4799.75 is required. 03/16/2026: Seller provided CoCs in trailing docs which addressed the increase to the Discount Pts Fee.  Retesting of compliance results in a tolerance violation of $274.50 due to transfer taxes increased without a CoC disclosed.   Seller indicated a refund for the transfer taxes will be issued.   Total cure due borrower for both the 0 and 10% tolerance violations is $293.60. 03/25/2026: Seller provided PCCD and evidence of cure in trailing docs     125000.00 XX Primary Refinance Debt_Consolidation   191016
SAIF202620304     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/14/2026 01/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $210 to $678.75. Valid COC or cure of $468.75 is required.   01/28/2026: COC provided in trailing docs, exception cleared.     75000.00 XX Primary Refinance Debt_Consolidation   23776
SAIF202620509     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/05/2026 03/02/2026 Waived D B Compliance State Violation   This loan failed the Lender Prepaid Finance Charge Test for state of KS. Prepaid finance charges paid to the lender exceed 5% of the amount financed. Total amount of $3727.90 exceed threshold of $2946.31 by $781.59. Fees included in testing: Loan origination fee paid by the lender of $1235, discount points paid by the borrower of $2507.05, and prepaid interest of $-14.15.   03/02/2026: Per Client email 02.17.2026, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Loan Origination fee paid by the lender, would result in no violation.  Waived.     61750.00 XX Primary Refinance Debt_Consolidation   189901
SAIF202620509     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided in trailing     61750.00 XX Primary Refinance Debt_Consolidation   189879
SAIF202620509     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: Provided in trailing docs     61750.00 XX Primary Refinance Debt_Consolidation   189880
SAIF202620509     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/05/2026 03/24/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. Appraisal fee increased from $165 to $595. All Closing Disclosures including the PCCD in file reflect the lender provided a cure of $430 on each CD for tolerance violation.  Due to Lender Credit violation, this exception fires due to insufficient total cure of both violations.   Once the Lender Credit Violation is fully remedied, this exception will clear.     03/02/2026: Seller reply:  Cure was given at closing    03/02/2026: OD Response:  Please review the Lender Credits findings details.  Exception remains until sufficient overall total cure is remedied. 03/12/2026: Seller reply:  Remediation underway 03/24/2026: Seller provided PCCD and evidence of cure in trailing docs     61750.00 XX Primary Refinance Debt_Consolidation   189893
SAIF202620509     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/05/2026 03/24/2026 Cured D B Compliance TRID   This loan failed the Lender Credits That Cannot Decrease Test. Lender credit decreased from $1360 to $1301.     As previously discussed with XXXX Compliance, fees cannot be entered as a negative number (with the exception of PerDiem Interest).  Negative numbers entered as a fee are not a fee and credits need to be entered on the CDs appropriately as a credit and not a reduction to a fee.  The Loan Estimates reflect a non-specific lender credit of $1,360 with an Origination fee of $1,235.  The Initial CD reflects a Lender paid Origination fee of $1,235 with no non-specific lender credit.  There is no valid CoC in file for the decrease.  This is a decreased credit of $125.  The next CD dated 01/26 and the one executed at closing on 01/28 incorrectly disclose the Origination fee by placing a negative fee in the "paid by the borrower column" of -$66 and increased the portion of the fee paid by the Lender to $1301.  These CDs contain entries that were incorrectly disclosed to the borrowers.  The lender then issued a PCCD the day after closing, 01/29 the reflects the Origination fee of $1,235 with a specific lender credit of $1,235 and non-specific credit of $66.  The total credit (specific and non-specific) on the PCCD is $1,301.  The baseline lender credit is $1,360 and therefore, the borrowers are due an additional cure of $59 or provide a valid CoC to justify the decreased lender credit.      03/02/2026: Seller reply:  This was caught prior to funding and a Post Closing CD was issued. Please see the attached 1/29 CD that was sent to the borrower. Document uploaded on OneDiligence portal    03/02/2026: OD response:  As the original exception states, the PCCD was in the loan file and evaluated cure is insufficient.  Please re-review the original details provided.  Finding remains. 03/12/2026: Seller response:  Remediation underway 03/24/2026: Seller provided PCCD and evidence of cure in trailing docs     61750.00 XX Primary Refinance Debt_Consolidation   189895
SAIF202620392     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/05/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/24/2026: MHELP provided in trailing docs     80000.00 XX Primary Refinance CashOut_Other   191594
SAIF202620270     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/22/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in the file were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   189107
SAIF202620270     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/22/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/15/26 and loan application date is 12/17/25.   02/11/2026: OD Re-reviewed, Rescinds     50000.00 XX Primary Refinance CashOut_Other   189144
SAIF202620323     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/23/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     51250.00 XX Primary Refinance Debt_Consolidation   189246
SAIF202620323     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/23/2026 02/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $1190 to $1219.75 and Origination fee increased from $1000 to $1025. Valid COC or cure of $54.75 required.         51250.00 XX Primary Refinance Debt_Consolidation   189248
SAIF202620323     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/26/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: Provided in trailing docs.     51250.00 XX Primary Refinance Debt_Consolidation   189297
SAIF202620323     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/26/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/16/26 and loan application date is 12/19/25.   02/11/2026: OD Re-reviewed, Rescinds     51250.00 XX Primary Refinance Debt_Consolidation   189301
SAIF202620310     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/09/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   190098
SAIF202620310     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/09/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing E-Consent disclosure.   03/02/2026: Provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   190099
SAIF202620310     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/09/2026 03/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $500 to $777.50. Valid COC or additional cure of $277.50 required.   03/02/2026: rLE for rate lock is CoC, exception cleared.     50000.00 XX Primary Refinance Debt_Consolidation   190100
SAIF202620293     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 02/10/2026 02/12/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5109.50 exceed the threshold of $4139.00         110000.00 XX Primary Refinance Debt_Consolidation   190228
SAIF202620281     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/20/2026 01/28/2026 Cleared -Trailing Doc D A Compliance Documentation   The e-sign/e-consent is missing from the file and the file contains documents that were electronically signed.   01/28/2026: Provided in trailing docs, exception cleared.     50000.00 XX Primary Refinance Debt_Consolidation   188967
SAIF202620365     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/26/2026 02/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $2,950 to $3,855.30 and appraisal fee increased from $0 to $665. Cure of $42.90 issued on final CD is insufficient for total tolerance violations. Valid COC or additional cure of $1,570.30 required.    02/27/2026: CoC provided in trailing docs 02/11/2026: Seller provided CoC tied to the LE dated 12/30/2025.  However, CoC insufficient to clear the increase to 0 tolerance fees.  The LE dated 01/05/2026 reflects the addition of a $665 appraisal fee that was not previously disclosed.  Reimbursement at closing of $42.90 is insufficient to cover the 0 and 10% tolerance failures. Valid CoC or additional cure of $665 required. 02/27/2026: CoC provided in trailing docs     181000.00 XX Primary Refinance CashOut_Other   189300
SAIF202620365     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/26/2026 02/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Total charges increased from $811 to $935. Cure of $42.90 issued on final CD may be related to this increase, but is insufficient for total tolerance violations. Valid COC or additional cure of $1570.30 required for total of 0% and 10% violations. 02/11/2026: Seller provided CoC tied to the LE dated 12/30/2025.  However, CoC insufficient to clear the increase to 0 tolerance fees, therefore the $42.90 cured issued on the final CD is insufficient for total tolerance violations.  See 0 tolerance exception for additional detail. 02/27/2026: CoCs provided in trailing docs     181000.00 XX Primary Refinance CashOut_Other   189302
SAIF202620365     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/26/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: MHELP provided in trailing docs.     181000.00 XX Primary Refinance CashOut_Other   189291
SAIF202620365     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/26/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/16/26 and loan application date is 12/21/25.   02/11/2026: OD Re-reviewed, Rescinds     181000.00 XX Primary Refinance CashOut_Other   189331
SAIF202620309     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/27/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     75000.00 XX Primary Refinance Debt_Consolidation   189363
SAIF202620309     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/27/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/16/26 and loan application date is 12/22/25.   02/11/2026: OD Re-reviewed, Rescinds     75000.00 XX Primary Refinance Debt_Consolidation   189366
SAIF202620571     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/04/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/24/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191534
SAIF202620571     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/04/2026 03/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $690 to $910. Valid COC or additional cure of $220 is required.   03/24/2026: CoC provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191544
SAIF202620357     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/09/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   02/27/2026: MHELP provided in trailing docs     75000.00 XX Primary Refinance CashOut_Other   190134
SAIF202620357     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/09/2026 02/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1035 to $1785. Valid COC or additional cure of $750 required.   02/27/2026: Rate lock, valid CoC, exception cleared.     75000.00 XX Primary Refinance CashOut_Other   190142
SAIF202620357     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/09/2026 03/25/2026 Cured D B Compliance State Violation   This loan failed the OH discount fee test as the sum of all discount points is greater than 2% of the original principal amount. The loan discount fee of $1785 exceeds the $1500 threshold.    02/27/2026: seller reply:  2/25--Refund in the amount of $285 will be issued. Remediation underway. 03/13/2026: Seller reply:  Refund will be issued 03/25/2026: Seller provided PCCD and evidence of cure in trailing docs     75000.00 XX Primary Refinance CashOut_Other   190143
SAIF202620338     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/26/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     149999.00 XX Primary Refinance CashOut_Other   189308
SAIF202620338     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/27/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: Provided in trailing docs.     149999.00 XX Primary Refinance CashOut_Other   189351
SAIF202620338     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/27/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/16/2026 and loan application date is 12/29/2025.   02/11/2026: OD Re-reviewed, Rescinds     149999.00 XX Primary Refinance CashOut_Other   189354
SAIF202620421     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/30/2026 02/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/27/2026: Provided in trailing docs     216000.00 XX Primary Refinance Debt_Consolidation   189625
SAIF202620421     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/30/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/27/2026: MHELP provided in trailing docs     216000.00 XX Primary Refinance Debt_Consolidation   189631
SAIF202620431     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/03/2026 03/02/2026 Waived D B Compliance State Violation   This loan failed the Origination Fee Test for state of MO. The loan is a second lien and charges more than a 5% origination fee. The origination fee of $3,509 exceeds the threshold of $2,750 by $759. Fees included in testing: Loan origination fee paid by Lender of $1100 and discount points paid by borrower of $2409.   03/02/2026: Per Client email 02.17.2026, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Loan Origination fee paid by the lender, would result in no violation.  Waived.     55000.00 XX Primary Refinance CashOut_Other   189860
SAIF202620431     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/03/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided     55000.00 XX Primary Refinance CashOut_Other   189851
SAIF202620431     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 02/03/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing. No VOE provided in documents.    03/02/2026: Seller indicated uploaded to portal but a Privacy Notice not a VOE was uploaded.  Please provide   03/12/2026: Provided in Trailing Docs.     55000.00 XX Primary Refinance CashOut_Other   189853
SAIF202620431     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/03/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: provided in trailing     55000.00 XX Primary Refinance CashOut_Other   189857
SAIF202620522     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/12/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Additionally, the title search work in file reflects a loan amount of $54,000; whereas the final loan amount was $55,000. Please provide documentation reflecting the correct loan amount.   03/02/2026: Provided in trailing docs.     55000.00 XX Primary Refinance Debt_Consolidation   190304
SAIF202620522     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/12/2026 03/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Transfer Taxes increased from $150 to $165. Valid COC or additional cure of $15 is required.   03/02/2026: CoC provided in trailing docs.     55000.00 XX Primary Refinance Debt_Consolidation   190327
SAIF202620368     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/30/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   02/11/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   189619
SAIF202620368     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/30/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   189615
SAIF202620368     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 01/30/2026 02/11/2026 Rescinded D A Compliance Documentation   File is missing Servicing Disclosure provided within 3 days of application date. LE indicates borrower will not be servicing the loan.   02/11/2026: OD Re-reviewed, Rescinds     50000.00 XX Primary Refinance Debt_Consolidation   189618
SAIF202620343     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/24/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     60000.00 XX Primary Refinance Debt_Consolidation   189266
SAIF202620343     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/26/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing. 02/11/2026: Seller indicates MHELP doc uploaded to portal, OD did not locate referenced doc, please reupload 02/27/2026: MHELP provided in trailing docs     60000.00 XX Primary Refinance Debt_Consolidation   189294
SAIF202620343     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/26/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/16/26 and loan application date is 12/30/25.   02/11/2026: OD Re-reviewed, Rescinds     60000.00 XX Primary Refinance Debt_Consolidation   189295
SAIF202620472     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/10/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: MHELP provided in trailing     50000.00 XX Primary Refinance Debt_Consolidation   190171
SAIF202620502     A - No Exceptions A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/26/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs     75000.00 XX Primary Refinance Debt_Consolidation   191124
SAIF202620354     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance LetterOfExplanationExists 01/28/2026 02/11/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing letter of explanation for credit inquiry dated 12/28/2025 with XXXX.   02/11/2026: Provided in trailing docs.     53000.00 XX Primary Refinance CashOut_Other   189469
SAIF202620354     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/28/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     53000.00 XX Primary Refinance CashOut_Other   189471
SAIF202620354     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 01/28/2026 02/12/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. The file contains only 2 CDs issued 01/16/2026 (received same day) and final CD issued 01/19/2026. Loan closed 01/20/2026, less than 3 business days from receipt of initial CD in file. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.   02/12/2026: iCD provided in trailing docs, exception cleared.     53000.00 XX Primary Refinance CashOut_Other   189525
SAIF202620354     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/28/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing   02/11/2026: Provided in trailing docs.     53000.00 XX Primary Refinance CashOut_Other   189468
SAIF202620354     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/28/2026 02/27/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. Transfer taxes increased from $150 to $159. Valid COC or cure of $9.00 required. The file contains only 1 LE issued 12/31/2025 and 2 CDs issued 01/16/2026 and 01/19/2026. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs. 02/12/2026: iCD provided in trailing docs, however there is no CoC to justify the increase to the Transfer Taxes.  Valid CoC or cure of $9.00 remains.     02/27/2026: Seller reply: Refund documentation Uploaded.  Document uploaded on OneDiligence portal. 02/27/2026: OD response: PCCD and refund check with proof of shipping provided in trailing docs.     53000.00 XX Primary Refinance CashOut_Other   189472
SAIF202620354     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 01/28/2026 02/11/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/20/26 and loan application date is 12/31/25   02/11/2026: OD Re-reviewed, Rescinds     53000.00 XX Primary Refinance CashOut_Other   189523
SAIF202620399     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 02/02/2026 02/03/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         175000.00 XX Primary Refinance Debt_Consolidation   189713
SAIF202620399     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 02/02/2026 02/03/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.125 % APR exceeds the 9.75% threshold to qualify for a safe harbor.         175000.00 XX Primary Refinance Debt_Consolidation   189714
SAIF202620399     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/02/2026 02/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/27/2026: Provided in trailing docs     175000.00 XX Primary Refinance Debt_Consolidation   189716
SAIF202620399     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/02/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/27/2026: MHELP provided in trailing docs     175000.00 XX Primary Refinance Debt_Consolidation   189717
SAIF202620370     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/23/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/16/2026: Provided in trailing     108000.00 XX Primary Refinance Debt_Consolidation   190839
SAIF202620378     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 01/28/2026 01/28/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         300000.00 XX Primary Refinance Debt_Consolidation   189465
SAIF202620378     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 01/28/2026 01/28/2026 Waived B B Compliance QM   This loan failed the Qualified Mortgage Lending Policy Points and Fees test. Points and fees of $9,120 exceed the threshold of $8,695.47.         300000.00 XX Primary Refinance Debt_Consolidation   189533
SAIF202620378     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/28/2026 01/28/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.882% APR exceeds the 9.75% threshold to qualify for a safe harbor.         300000.00 XX Primary Refinance Debt_Consolidation   189534
SAIF202620378     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/28/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     300000.00 XX Primary Refinance Debt_Consolidation   189464
SAIF202620378     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/28/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: MHELP provided in trailing docs.     300000.00 XX Primary Refinance Debt_Consolidation   189462
SAIF202620378     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 01/28/2026 02/11/2026 Rescinded D A Compliance Documentation   File is missing Servicing Disclosure provided within 3 days of application.   02/11/2026: OD Re-reviewed, Rescinds     300000.00 XX Primary Refinance Debt_Consolidation   189463
SAIF202620358     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/03/2026 02/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/27/2026: Provided in trailing docs     74000.00 XX Primary Refinance CashOut_Other   189824
SAIF202620358     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/03/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/27/2026: MHELP provided in trailing docs     74000.00 XX Primary Refinance CashOut_Other   189832
SAIF202620412     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/30/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/27/2026: Provided in trailing docs     81000.00 XX Primary Refinance CashOut_Other   189630
SAIF202620412     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/30/2026 02/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/27/2026: Provided in trailing docs    02/27/2026: Provided in trailing docs     81000.00 XX Primary Refinance CashOut_Other   189642
SAIF202620582     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/27/2026 03/13/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.   03/13/2026: Provided in trailing docs     85000.00 XX Primary Refinance Debt_Consolidation   191139
SAIF202620582     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 02/27/2026 03/13/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimate dated 01/21/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 01/22/2026. The next disclosure is a CD dated 02/06/2025.  There is no corresponding LE, CD or CoC reflecting the rate lock.   03/13/2026: LE provided in trailing docs     85000.00 XX Primary Refinance Debt_Consolidation   191147
SAIF202620582     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/27/2026 03/13/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2204 to $2341.75.  Loan Origination fee increased from $1600 to $1684 and Transfer Taxes increased from $142.50 to $170. Valid CoC or additional cure of $249.25 required.   03/13/2026: CoC provided in trailing docs     85000.00 XX Primary Refinance Debt_Consolidation   191148
SAIF202620582     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/27/2026 03/13/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $813 to $990.63.  Valid CoC or cure of $96.33 required   03/13/2026: CoC provided in trailing docs     85000.00 XX Primary Refinance Debt_Consolidation   191149
SAIF202620379     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/03/2026 02/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/27/2026: Provided in trailing docs.     120000.00 XX Primary Refinance Debt_Consolidation   189845
SAIF202620379     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/03/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/27/2026: MHELP provided in trailing docs.     120000.00 XX Primary Refinance Debt_Consolidation   189849
SAIF202620387     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/30/2026 02/27/2026 Waived D B Compliance State Violation   This loan failed the Total Loan and Broker Fee Test for VA. Total discount points and origination fee of $2440 exceeded the threshold of $2376.06, or 5% of the loan amount, by $63.94.  Fees included in the test:  $1440 Discount Points and $250 Loan Origination fees paid by the borrower and $750 Loan Origination fee paid by the lender.   02/27/2026: Per Client email 02.17.2026, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Loan Origination fee paid by the lender, would result in no violation.  Waived.     50000.00 XX Primary Refinance Debt_Consolidation   189620
SAIF202620387     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/30/2026 02/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/27/2026: provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   189616
SAIF202620458     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLPrincipalAmount 02/19/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of title commitment for the final loan amount of $70,000. The title commitment in file shows an insured amount of $60,000.   03/16/2026: Provided in trailing docs.     70000.00 XX Primary Refinance Debt_Consolidation   190619
SAIF202620458     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 02/19/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing.  The loan file only contained a WVOE dated 01/20/2026. The loan closed on 02/10/2026.   03/16/2026: Provided in trailing docs.     70000.00 XX Primary Refinance Debt_Consolidation   190620
SAIF202620435     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/24/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs     80000.00 XX Primary Refinance Debt_Consolidation   190884
SAIF202620390     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/06/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided in trailing     52000.00 XX Primary Refinance Debt_Consolidation   190002
SAIF202620390     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/06/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: provided in trailing docs     52000.00 XX Primary Refinance Debt_Consolidation   190004
SAIF202620390     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 02/06/2026 03/02/2026 Cleared -Trailing Doc D A Credit Employment   Missing VOE within 30 days of closing as required for self-employed borrowers. The Secretary of State search in file is missing date to confirm within 30 days of closing.   03/02/2026: provided in trailing     52000.00 XX Primary Refinance Debt_Consolidation   190013
SAIF202620390     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/06/2026 03/24/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1303 to $1380.60. Valid COC or additional cure of $77.60 required.    03/02/2026: Seller reply: Remediation underway 03/13/2026: Seller reply:  Remediation underway 03/24/2026: PCCD and evidence of cure provided in trailing docs     52000.00 XX Primary Refinance Debt_Consolidation   190006
SAIF202620631     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalCURiskOverallScore 02/18/2026 03/02/2026 Cleared -Trailing Doc D A Valuation Documentation   The UCDP reports are missing from the loan file.   03/02/2026: LCA and UCD reports provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   190556
SAIF202620631     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/18/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 02/27/2026: Cleared with trailing docs. 03/04/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   190557
SAIF202620631     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance E-Consent_DocExist 02/18/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.     03/02/2026: Seller indicated uploaded to platform, however, no eConsent was uploaded. Please reupload   03/16/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   190558
SAIF202620631     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/18/2026 02/18/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         50000.00 XX Primary Refinance CashOut_Other   190560
SAIF202620388     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: provided in trailing     54505.00 XX Primary Refinance Debt_Consolidation   189999
SAIF202620388     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/06/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided in trailing     54505.00 XX Primary Refinance Debt_Consolidation   190005
SAIF202620698     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance E-Consent_DocExist 02/27/2026 03/13/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.   03/13/2026: Provided in trailing     85000.00 XX Primary Refinance CashOut_Other   191136
SAIF202620698     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/27/2026 03/13/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Points increased from $536 to $1224. Valid COC or additional cure of $688 required.   03/13/2026: CoC provided in trailing docs     85000.00 XX Primary Refinance CashOut_Other   191137
SAIF202620698     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAppraiserCertNumber 02/27/2026 03/13/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing a copy of the Appraiser's unexpired license. The license in file expired on 03/31/2025 and the appraisal effective date was 02/03/2026.   03/13/2026: current license info provided in trailing docs     85000.00 XX Primary Refinance CashOut_Other   191177
SAIF202620398     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/29/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     114000.00 XX Primary Refinance CashOut_Other   189556
SAIF202620398     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/29/2026 02/11/2026 Cured D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/11/2026: Provided in trailing docs.     114000.00 XX Primary Refinance CashOut_Other   189554
SAIF202620424     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/21/2026 03/17/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/17/2026: MHELP provided in trailing docs.     136000.00 XX Primary Refinance Debt_Consolidation   190767
SAIF202620416     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/19/2026 03/19/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         78000.00 XX Primary Refinance Debt_Consolidation   192222
SAIF202620416     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 03/19/2026 03/19/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 11.001% APR exceeds the 9.690% threshold to qualify for a safe harbor.         78000.00 XX Primary Refinance Debt_Consolidation   192241
SAIF202620416     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 03/19/2026 03/19/2026 Waived B B Compliance State Violation   This loan failed the TX prohibited fees test by $71.00.  Fees included in the test: Title Certification paid by Lender.  ***Per Client email 02.17.2026, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Title Certification paid by the Lender, would result in no violation.  Waived.***         78000.00 XX Primary Refinance Debt_Consolidation   192242
SAIF202620391     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/26/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 03/16/2026: Seller reply:  Request MEHLP from Agent    03/24/2026: Seller reply: 3/20 - pending recorded mtg    04/03/2026: Seller reply:  pending recorded mortgage 04/15/2026: FTP provided in trailing docs     100000.00 XX Primary Refinance Debt_Consolidation   191132
SAIF202620391     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/26/2026 03/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $1700 to $2000. Valid COC or additional cure of $300 isrequired.   03/16/2026: CoC and LE provided in trailing docs     100000.00 XX Primary Refinance Debt_Consolidation   191133
SAIF202620391     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/27/2026 03/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test. The initial Loan Estimate dated 01/06/2026 reflects the rate was not locked.  The file contains one other LE which is dated 01/14/2026 reflecting the loan was locked.  The file contains pricing documentation reflecting the rate was locked on 01/06. There is no LE dated within 3 business days reflecting the lock on the 6th.   03/16/2026: CoC and LE provided in trailing docs     100000.00 XX Primary Refinance Debt_Consolidation   191134
SAIF202620391     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/27/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.   03/16/2026: Provided in trailing     100000.00 XX Primary Refinance Debt_Consolidation   191151
SAIF202620459     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/18/2026 03/17/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/17/2026: MHELP provided in trailing docs.     130000.00 XX Primary Refinance Debt_Consolidation   190559
SAIF202620459     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 02/18/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C for the Co-Borrower (XXXX). The 4506 provided in the loan file was not for the subject loan's Co-Borrower. 02/27/2026: Cleared with trailing docs.       130000.00 XX Primary Refinance Debt_Consolidation   190563
SAIF202620459     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/18/2026 02/27/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed. 02/27/2026: Cleared with trailing docs.       130000.00 XX Primary Refinance Debt_Consolidation   190564
SAIF202620583     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/02/2026 03/13/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/13/2026: MHELP provided in trailing     54000.00 XX Primary Refinance CashOut_Other   191273
SAIF202620415     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/05/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/24/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191603
SAIF202620415     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/05/2026 03/24/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.   03/24/2026: Provided in trailing     50000.00 XX Primary Refinance Debt_Consolidation   191605
SAIF202620380     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: provided in trailing     90000.00 XX Primary Refinance Debt_Consolidation   189998
SAIF202620380     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_Status 02/06/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The fCD signed at closing is missing page 3 of 5.   03/02/2026: Provided in trailing docs     90000.00 XX Primary Refinance Debt_Consolidation   190001
SAIF202620803     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/03/2026 03/03/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $9,742.50 exceed the threshold of $6,444.27.         225000.00 XX Primary Refinance CashOut_Other   191363
SAIF202620803     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 03/03/2026 03/13/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains a LE dated 01/06/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 01/06/2026 but the next disclosure is a LE dated 01/25/2026.  There is no corresponding LE or CoC reflecting the rate lock.   03/13/2026: LEs, CDs and CoCs provided in trailing docs     225000.00 XX Primary Refinance CashOut_Other   191442
SAIF202620803     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/03/2026 03/13/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test.  The Loan Discount Fee increased from $3510 to $5242.50, the Loan Origination Fee increased from $4,000 to $4,500 and the Appraisal Fee increased from $165 to $635. Valid CoC or additional cure of $2,702.50 is required.   03/13/2026: LEs, CDs and CoCs provided in trailing docs     225000.00 XX Primary Refinance CashOut_Other   191443
SAIF202620803     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/02/2026 03/13/2026 Cleared -Trailing Doc D A Compliance Documentation   The E-consent document in file is e-signed by the borrower on 02/16/2026, however, the file contains documents e-signed by the borrower dated as early as 01/04/2026.  Provide e-consent tied to the earliest e-signed docs in file.   03/12/2026: Provided in trailing     225000.00 XX Primary Refinance CashOut_Other   191303
SAIF202620803     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TitleSearch_DocExists 03/02/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained. The subject loan amount is $225,000 and the loan file only has a title search. 03/12/2026: Seller indicates document uploaded on portal however only LEs, CDs and CoCs were uploaded.  Please reupload. 03/24/2026: MHELP provided in trailing docs     225000.00 XX Primary Refinance CashOut_Other   191304
SAIF202620413     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/10/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided in trailing     50000.00 XX Primary Refinance CashOut_Other   190224
SAIF202620413     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/10/2026 02/12/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ****Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****   02/18/2026:     50000.00 XX Primary Refinance CashOut_Other   190226
SAIF202620403     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/03/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/12/2026: MHELP provided in trailing     75000.00 XX Primary Refinance Debt_Consolidation   191322
SAIF202620403     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/03/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The E-consent document in file is e-signed by the borrower on 02/06/2026, however, the file contains documents e-signed by the borrower dated as early as 01/07/2026.  Provide e-consent tied to the earliest e-signed docs in file.   03/12/2026: Provided in trailing     75000.00 XX Primary Refinance Debt_Consolidation   191323
SAIF202620403     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/03/2026 03/12/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount points increased from $1804 to $1833.75. Valid COC or additional cure of $ 29.75 required.   03/12/2026: CoC provided in trailing docs     75000.00 XX Primary Refinance Debt_Consolidation   191325
SAIF202620403     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 03/03/2026 03/25/2026 Cured D B Compliance State Violation   This loan failed the OH Discount Fee Test. The total discount points exceed 2% of the total loan amount.  $1833.75 exceeds threshold limit of $1500 for this loan by $333.75. 03/12/2026: Seller reply:  Refund will be issued 03/25/2026: Seller provided PCCD and evidence of cure in trailing docs     75000.00 XX Primary Refinance Debt_Consolidation   191326
SAIF202620455     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/30/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.    02/27/2026: Seller comment:  2/24  Proof of MHELP will be provided. Document uploaded on OneDiligence portal OD reply:  Not in uploaded imaged files.  Please reupload. 03/04/2026: OD reply: Documentation not uploaded to the portal as of 03/04/2026. Please upload images when available. 03/16/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   189621
SAIF202620455     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 02/02/2026 02/27/2026 Rescinded D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/24/26 and loan application date is 01/07/26. iLE indicates lender will not be servicing the loan.   02/27/2026: LE sufficient disclosure, Rescind     50000.00 XX Primary Refinance Debt_Consolidation   189711
SAIF202620473     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/18/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs.     55000.00 XX Primary Refinance CashOut_Other   190604
SAIF202620473     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/18/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/16/2026: Provided in trailing docs.     55000.00 XX Primary Refinance CashOut_Other   190605
SAIF202620473     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/19/2026 02/19/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ****Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         55000.00 XX Primary Refinance CashOut_Other   190617
SAIF202620411     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/29/2026 02/02/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees included of $3,253.96 exceed threshold of $1,500 by $1,753.96.  Fees included in testing:  CPL $60, Flood Cert $6, Origination Fee paid by Borrower $513,  Origination Fee paid by Lender $487, Discount Pts $1815, Prepaid Int $47.96 and Settlement Fee $325.  Downgrade and waive per client instruction 01/19/2026         50000.00 XX Primary Refinance CashOut_Other   189572
SAIF202620411     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/29/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing. 02/11/2026: Seller Response: 2/5/26 - pending final recording - remediation       50000.00 XX Primary Refinance CashOut_Other   189567
SAIF202620411     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/29/2026 02/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/11/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   189571
SAIF202620411     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 02/02/2026 02/11/2026 Rescinded A A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/23/26 and loan application date is 01/07/2026. iLE indicates lender will not be servicing the loan.         50000.00 XX Primary Refinance CashOut_Other   189705
SAIF202620430     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/02/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   02/27/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   189775
SAIF202620430     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance LetterOfExplanationExists 02/02/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing letter of explanation for credit inquiriy with XXXX 12/30/2025 for B1.    02/27/2026: 02/25/26 - uploaded proof of XXXX card opening. Document uploaded on OneDiligence portal    02/27/2026: Seller confirmed by uploaded documentation, that the borrower did open a new trade line during the mortgage loan application process.  However, review of the file reflects the new liability was not included in the DTI calculation.  Per XXXX UWing guidelines:  If additional debt has been incurred, the Mortgage Loan must be re-underwritten with the new debt to ensure the debt-to-income ratio is still within Program Guidelines.   OD is unable to determine what the monthly payment is on the opened, pending balance of $8505 per the document provided.  Please provide evidence lender evaluated the additional debt and an updated 1008 with any corrected ratios.   03/12/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   189776
SAIF202620430     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/02/2026 02/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/27/2026: Provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   189779
SAIF202620425     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/07/2026 04/27/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 04/15/2026: Seller response: Per title vendor, not available yet 04/27/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     75000.00 XX Primary Refinance Debt_Consolidation   194925
SAIF202620425     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/08/2026 04/15/2026 Cleared -Trailing Doc D A Compliance Documentation   This loan failed the charges that cannot increase test. Discount Point fee increased from $2804 to $2913.75. Valid COC or cure of $109.75 required.   04/16/2026: CoCs and LEs provided in trailing docs     75000.00 XX Primary Refinance Debt_Consolidation   195121
SAIF202620425     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 04/08/2026 05/04/2026 Cured D B Compliance Documentation   All CDs and the PCCD in file reflect the lender paid the Loan Origination fee of $1556 in the correct column of the CD.  However, they also reflect another $-56 in the borrower paid at closing column of the disclosures which effectively is giving the borrowers a total specific lender credit of $1,612.   As previously conditioned, CREDITS are to be placed in the "Paid by Others" or in Section J of the CDs.  Negative "fees" are not fees, they are credits.   The additional $56 credit was incorrectly entered on all CDs. 04/16/2026: Seller reply: Remediation needed to correct credit on CD. 05/04/2026: Seller provided PCCD in trailing docs to cure the entry errors     75000.00 XX Primary Refinance Debt_Consolidation   195124
SAIF202620456     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/13/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs.     295000.00 XX Primary Refinance Debt_Consolidation   190364
SAIF202620506     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/12/2026 03/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,424 to $1,572.75. Valid CoC or additional cure of $148.75 is required.   03/24/2026: CoC provided in trailing docs.     135000.00 XX Primary Refinance Debt_Consolidation   191948
SAIF202620506     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/12/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/24/2026: MHELP provided in trailing docs.     135000.00 XX Primary Refinance Debt_Consolidation   191950
SAIF202620506     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerPhotoIdentificationExpirationDate 03/16/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   Missing personal identification / state issued driver license to validate the expiration date. The expiration date listed on the Patriot Act Information Form indicates 07/01/82 which is the borrower's birthdate.   03/24/2026: Patriot Act Form with corrected expiration date provided in trailing docs.     135000.00 XX Primary Refinance Debt_Consolidation   191979
SAIF202620414     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 02/24/2026 02/25/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4504.50 exceed the threshold of $4342.38.         149900.00 XX Primary Refinance Debt_Consolidation   190908
SAIF202620422     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   03/02/2026: MHELP provided in trailing     50000.00 XX Primary Refinance CashOut_Other   189987
SAIF202620422     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/05/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   03/02/2026: provided in trailing     50000.00 XX Primary Refinance CashOut_Other   189988
SAIF202620460     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/25/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 03/16/2026: Seller reply:  Request MEHLP from Agent 03/24/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191028
SAIF202620460     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/25/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing e-consent disclosure.   03/12/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   191032
SAIF202620460     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/25/2026 02/26/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ****Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         50000.00 XX Primary Refinance Debt_Consolidation   191033
SAIF202620423     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/09/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: MHELP provided in trailing docs     100000.00 XX Primary Refinance CashOut_Other   190149
SAIF202620423     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/10/2026 03/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $3,145  to $3119.05.  Valid Change of Circumstance or Cure of $25.95 required.   03/02/2026: CoC provided in trailing docs     100000.00 XX Primary Refinance CashOut_Other   190223
SAIF202620432     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/11/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: MHELP provided in trailing     65000.00 XX Primary Refinance CashOut_Other   190242
SAIF202620432     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/11/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/02/2026: provided in trailing docs     65000.00 XX Primary Refinance CashOut_Other   190244
SAIF202620457     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 02/17/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The Patriot Act Information Form is in the loan, however it is not completed with any of the borrower's identification information and there is no evidence of personal identification in file. 02/27/2026: Cleared with trailing docs.       110000.00 XX Primary Refinance Debt_Consolidation   190471
SAIF202620457     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/17/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 02/27/2026: Cleared with trailing docs. 03/04/2026: MHELP provided in trailing docs.     110000.00 XX Primary Refinance Debt_Consolidation   190472
SAIF202620457     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/17/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.    02/27/2026: Seller response:  2/19--Proof of E-Consent will be provided. Document uploaded on OneDiligence portal    02/27/2026: OD reply: no econsent uploaded, please reupload   03/16/2026: Provided in trailing docs.     110000.00 XX Primary Refinance Debt_Consolidation   190473
SAIF202620471     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/02/2026 02/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Documents in filed were signed electronically, but file is missing e-consent documentation.   02/27/2026: Provided in trailing docs     65000.00 XX Primary Refinance Debt_Consolidation   189732
SAIF202620471     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/02/2026 02/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $1758 to $2552. Valid COC or cure of $794 required.   02/27/2026: CoC on rate lock, exception cleared     65000.00 XX Primary Refinance Debt_Consolidation   189737
SAIF202620434     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 02/11/2026 02/12/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4467.75 exceed the threshold of $4139.00         105000.00 XX Primary Refinance Debt_Consolidation   190239
SAIF202620434     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/11/2026 02/12/2026 Waived B A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ****Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.**** 06/18/2026: corrected exception grade       105000.00 XX Primary Refinance Debt_Consolidation   190240
SAIF202620434     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/11/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: MHELP provided in trailing docs     105000.00 XX Primary Refinance Debt_Consolidation   190238
SAIF202620912     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/26/2026 03/27/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         54000.00 XX Primary Refinance Debt_Consolidation   192671
SAIF202620912     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 03/26/2026 03/27/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.802% APR exceeds the 9.460% threshold to qualify for a safe harbor.         54000.00 XX Primary Refinance Debt_Consolidation   192672
SAIF202620912     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/25/2026 04/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount fee increased from $0 to $121.50. Valid COC or cure of $ 121.50 required.   04/07/2026: CoC provided in trailing docs     54000.00 XX Primary Refinance Debt_Consolidation   192620
SAIF202620493     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/03/2026 03/03/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         50000.00 XX Primary Refinance Debt_Consolidation   191417
SAIF202620493     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 03/03/2026 03/03/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.411% APR exceeds the 9.380% threshold to qualify for a safe harbor.         50000.00 XX Primary Refinance Debt_Consolidation   191449
SAIF202620493     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/03/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/12/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191448
SAIF202620493     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/03/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/12/2026: Provided in trailing     50000.00 XX Primary Refinance Debt_Consolidation   191383
SAIF202620493     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/03/2026 03/12/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,190 to $2,225. Valid CoC or additional cure of $35 is required.   03/12/2026: CoC provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191415
SAIF202620557     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/19/2026 03/19/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4365.70 exceed the threshold of $4311.11         149000.00 XX Primary Refinance Debt_Consolidation   192219
SAIF202620557     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/19/2026 04/03/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Discount Fee increased from $4217 to $4365.70. Valid COC or additional cure of $148.70 required.   04/03/2026: CoCs provided in trailing docs     149000.00 XX Primary Refinance Debt_Consolidation   192220
SAIF202620557     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/18/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     149000.00 XX Primary Refinance Debt_Consolidation   192196
SAIF202620499     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 02/19/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the loan file.   03/16/2026: Provided in trailing docs.     100000.00 XX Primary Refinance Debt_Consolidation   190625
SAIF202620499     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/19/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs.     100000.00 XX Primary Refinance Debt_Consolidation   190626
SAIF202620499     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/19/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/16/2026: Provided in trailing docs.     100000.00 XX Primary Refinance Debt_Consolidation   190631
SAIF202620595     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/03/2026 05/13/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing. 03/12/2026: seller response:  Request MEHLP from Agent    03/24/2026: Seller reply:  Requested MHELP report from agent    04/03/2026: Seller reply:  pending recorded mortgage    04/15/2026: Seller reply:  Per title vendor, not available yet     05/13/2026: Seller reply: 05/07/2026 Follow up email sent to Title vendor OD response:   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive. 05/13/2026: Seller reply: 05/07/2026 Follow up email sent to Title vendor OD response: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     115000.00 XX Primary Refinance CashOut_Other   191328
SAIF202620595     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/03/2026 03/03/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5343.25 exceed the threshold of $4139.         115000.00 XX Primary Refinance CashOut_Other   191446
SAIF202620595     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/03/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The E-consent document in file is e-signed by the borrower on 02/19/2026, however, the file contains documents e-signed by the borrower dated as early as 01/16/2026.  Provide e-consent tied to the earliest e-signed docs in file.   03/12/2026: Provided in trailing     115000.00 XX Primary Refinance CashOut_Other   191332
SAIF202620595     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/03/2026 03/12/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2306 to $3743.25. Valid COC or additional cure of $1437.25 required.   03/12/2026: CoC provided in trailing docs     115000.00 XX Primary Refinance CashOut_Other   191336
SAIF202620673     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/24/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 03/24/2026: Seller provided a Short Form Title policy in trailing docs but not for the subject property, loan or borrowers.  Exception remains.    04/03/2026: Seller reply:  Pending Remediation. Reached out to vendor 03/16/2026: Seller reply: Request MEHLP from Agent    04/15/2026: MHELP provided in trailing docs     58500.00 XX Primary Refinance Debt_Consolidation   190854
SAIF202620474     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/20/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/12/2026: MHELP provided in trailing docs.     185000.00 XX Primary Refinance CashOut_Other   190743
SAIF202620474     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/20/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/12/2026: Provided in trailing docs.     185000.00 XX Primary Refinance CashOut_Other   190744
SAIF202620510     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/22/2026 03/17/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/17/2026: MHELP provided in trailing docs.     75000.00 XX Primary Refinance CashOut_Other   190793
SAIF202620483     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/17/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs.     105100.00 XX Primary Refinance Debt_Consolidation   190441
SAIF202620483     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/17/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/02/2026: Provided in trailing docs.     105100.00 XX Primary Refinance Debt_Consolidation   190452
SAIF202620511     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 02/26/2026 02/27/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 10.127%. The APR threshold to qualify for a safe harbor is 9.46%         85000.00 XX Primary Refinance Debt_Consolidation   191100
SAIF202620511     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 02/26/2026 02/27/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         85000.00 XX Primary Refinance Debt_Consolidation   191105
SAIF202620511     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/26/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs     85000.00 XX Primary Refinance Debt_Consolidation   191086
SAIF202620511     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/26/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/16/2026: Provided in trailing     85000.00 XX Primary Refinance Debt_Consolidation   191090
SAIF202620992     A - No Exceptions A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationNonMtgDebtsPaid 03/10/2026 03/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing page 2 of the Final URLA Lender Loan Information document   03/26/2026: Provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191815
SAIF202620491     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/13/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   e-consent is missing 03/02/2026: Seller Reply: 2/19--Proof of E-Consent will be provided. Document uploaded on OneDiligence portal    03/02/2026: OD Response: Proof of E-Consent was not uploaded to the portal as of 03/02/2026 03/12/2026: Provided in trailing docs.     52000.00 XX Primary Refinance Debt_Consolidation   190353
SAIF202620491     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stMortgage_Status 02/13/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Security Instrument from the file.   03/02/2026: Provided in trailing docs.     52000.00 XX Primary Refinance Debt_Consolidation   190421
SAIF202620491     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLPrincipalAmount 02/13/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Title Commitment reflecting the final loan amount of $52,000. The Title Commitment in file reflects an insured amount of $50,000.  Please provide final TP or corrected commitment reflecting correct loan amount.   03/02/2026: Provided in trailing docs.     52000.00 XX Primary Refinance Debt_Consolidation   190423
SAIF202620492     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/22/2026 03/17/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/17/2026: MHELP provided in trailing docs.     120000.00 XX Primary Refinance Debt_Consolidation   190775
SAIF202620685     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/25/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 03/16/2026: Seller reply: Request MEHLP from Agent 03/24/2026: MHELP provided in trailing docs     60000.00 XX Primary Refinance Debt_Consolidation   190973
SAIF202620685     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_Status 02/25/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The final Closing Disclosure (fCD) is incomplete/illegible.  Page 1 of the fCD was not scanned properly and covered by the Legal Description Exhibit "A." Please provide a complete and clear copy of page 1 of the fCD.  Compliance will be retested upon receipt of complete, legible fCD.   03/16/2026: Provided in trailing docs.     60000.00 XX Primary Refinance Debt_Consolidation   190974
SAIF202620500     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/22/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs.     51100.00 XX Primary Refinance Debt_Consolidation   190779
SAIF202620500     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/22/2026 03/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan origination fee increased from $1020 to $1022. Valid CoC or additional cure of $2 required.   03/16/2026: CoC provided in trailing docs.     51100.00 XX Primary Refinance Debt_Consolidation   190788
SAIF202620570     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/27/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.   03/16/2026: Provided in trailing docs     120000.00 XX Primary Refinance Debt_Consolidation   191186
SAIF202620570     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/02/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs     120000.00 XX Primary Refinance Debt_Consolidation   191251
SAIF202620504     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/21/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/06/2026: MHELP provided in trailing docs     65000.00 XX Primary Refinance CashOut_Other   192386
SAIF202620504     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 03/21/2026 04/06/2026 Cleared -Trailing Doc D A Credit Income   File Missing Pay Stubs for both the Borrower and Co-Borrower, covering the most recent 30-day period as required by guidelines.   04/06/2026: Provided in trailing docs     65000.00 XX Primary Refinance CashOut_Other   192387
SAIF202620504     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalMoHOAFees 03/23/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   Missing HOA assessment documentation.   04/06/2026: Provided in trailing docs     65000.00 XX Primary Refinance CashOut_Other   192401
SAIF202620504     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CD_MainTRIDDisclosureDocDate 03/23/2026 05/14/2026 Cured D B Compliance Documentation   Final CD in files is executed by both borrowers, however the titled, non-borrower did not sign. 04/06/2026: Seller reply:  asked LPC to review borrowers    04/15/2026: Seller reply:  Working with title company to resolve; borrower not available to sign until next week    05/04/2026: Seller reply: 4/24 - working with title vendor to get the executed copy for XXXX 05/14/2026: Seller provided PCCDs, reopened rescission and provided signed PCCDs, RTCs and Deed in trailing docs, cured post close     65000.00 XX Primary Refinance CashOut_Other   192430
SAIF202620504     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelNonBorrowingExecutedProperly 03/21/2026 05/13/2026 Cured D B Compliance Documentation   Missing Notice of Right to Cancel signed by the Non-borrower listed on the Deed of Trust and title work. 04/06/2026: Seller reply:  asked LPC to review borrowers    04/15/2026: Seller reply:  Working with title company to resolve; borrower not available to sign until next week    05/04/2026: Seller reply: 4/24 - working with title vendor to get the executed copy for XXXX 05/13/2026: Rescission was reopened 04/16/2026 with cancel by date of 04/20/2026.  All three titled persons signed the RTCs, no rescission opted.  Exception cured post close.     65000.00 XX Primary Refinance CashOut_Other   192389
SAIF202620504     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1SignedByAllBorrowers 03/21/2026 05/13/2026 Cured D B Credit Documentation   Non-borrower listed on the Deed of Trust and title work in file, did not sign the Deed of Trust. 04/06/2026: Seller reply:  asked LPC to review borrowers    04/15/2026: Seller reply:  Working with title company to resolve; borrower not available to sign until next week    05/04/2026: Seller reply: 4/24 - working with title vendor to get the executed copy for XXXX 05/13/2026: Rescission reopened, all 3 titled persons signed the Deed of Trust and Rider, as well as the RTCs and final CDs.  Exception cured post close     65000.00 XX Primary Refinance CashOut_Other   192385
SAIF202620687     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 03/16/2026 03/17/2026 Waived B B Valuation Value   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 3.2 and is not R&W Eligible. Lender used the lower value to qualify the loan.    Lender used lower value to qualify the loan.   Per client, non-material, downgrade and acknowledge.         125500.00 XX Primary Refinance Debt_Consolidation   192063
SAIF202620687     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseQMRegulationFailures 03/17/2026 03/17/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5,810.65 exceed the threshold of $4,139.00         125500.00 XX Primary Refinance Debt_Consolidation   192078
SAIF202620687     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 03/17/2026 03/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1407 to $3300.65. The Appraisal Fee increased from $165 to $1315. Valid CoC or additional cure of $3043.65 is required.   03/24/2026: CoCs provided in trailing docs.     125500.00 XX Primary Refinance Debt_Consolidation   192077
SAIF202620503     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/11/2026 03/26/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of e-Consent for both borrowers.  The file contains electronically/digitally signed documents by the borrowers.   03/26/2026: Provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191868
SAIF202620503     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 03/11/2026 03/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimated dated 01/15/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 01/15/2026 but the next disclosure is a CD dated 03/03/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock.   03/27/2026: LE and iCD provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191870
SAIF202620503     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 03/11/2026 03/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The imaged file contains only one CD which was issued 03/03/2026 and the closing date was 03/04/2026.   03/27/2026: LE and iCD provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191871
SAIF202620503     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportTotalPmtsInstDebtBefClos 03/11/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of REO tied to the mobile home installment loan with XXXX with a balance of $25,466 per the credit report. The Lender included the payment of $354 per the credit report; however, no other information was provided and no additional property was listed on the REO portion of the 1003, aside from the subject property. Please provide additional information including current mortgage statement, evidence of property taxes and homeowners' insurance as applicable. 03/26/2026: Seller reply:  Pending remediation of documents to confirm amounts 04/03/2026: Documentation provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191872
SAIF202620501     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/24/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/12/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   190910
SAIF202620501     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/24/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing e-consent disclosure.   03/12/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   190911
SAIF202620539     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/06/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of a Title Search Report and the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. Evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 03/25/2026: seller reply:  Requested MHELP report from agent 3/20- pending recorded mtg 04/03/2026: MHELP provided in trailing docs     80000.00 XX Primary Refinance Debt_Consolidation   191634
SAIF202620537     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/23/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/12/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   190814
SAIF202620537     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance LetterOfExplanationExists 02/23/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the credit inquiry letter for the following inquiries: XXXX on 01/15/2026 and XXXX on 11/15/2025.   03/12/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   190815
SAIF202620537     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/23/2026 02/23/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because thse fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ****Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         50000.00 XX Primary Refinance Debt_Consolidation   190819
SAIF202620585     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/04/2026 05/04/2026 Waived B B Compliance TRID   ****NEW EXCEPTION****  This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test.  The PCCD and cure provided in trailing docs is dated 04/19/2026 which is more than 60 days of the loan closing date.   Since cure was provided to customer, down-graded to non-material.         50000.00 XX Primary Refinance Debt_Consolidation   199593
SAIF202620585     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/22/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/12/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   190789
SAIF202620585     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 02/23/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 2024 W-2 for the borrower. The file does not contain any W2s.  The year-end paystub for 2025 can be used in lieu of the 2025 W-2 but need the W2 from 2024.   03/12/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   190832
SAIF202620585     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalMoHOAFees 02/23/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   Missing HOA documentation to validate the monthly assessment.   03/12/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   190837
SAIF202620585     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/23/2026 05/04/2026 Cured D B Compliance State Violation   This loan failed the MN Stat. 58.137 financed lender fees test. The loan has financed lender fees that exceed 5% of the loan amount. Total points and fees of $2470.30 exceed threshold of $2341.69. Fees included in testing (all paid by the borrower): Loan Origination Fee $848, Loan Discount Fee $1502.50 and Prepaid Interest $119.80. 03/16/2026: Seller reply: Remediation underway     03/24/2026: Seller reply:  Refund is Pending     04/24/2026: Seller reply: Refund pending 04/03/2026: Seller reply:  Refund pending    05/04/2026: Seller provided PCCD and cure in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   190838
SAIF202620505     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/28/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document, dated with the initial application date. The loan file contain documents that are electronically signed.   03/16/2026: Provided in trailing docs     83750.00 XX Primary Refinance Debt_Consolidation   191202
SAIF202620505     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/28/2026 03/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $2245 to $2282.19. Valid CoC or additional cure of $$37.19 is required.   03/16/2026: CoCs provided in trailing docs     83750.00 XX Primary Refinance Debt_Consolidation   191203
SAIF202620505     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/02/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing   03/16/2026: MHELP provided in trailing docs     83750.00 XX Primary Refinance Debt_Consolidation   191214
SAIF202620505     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/28/2026 03/02/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ****Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         83750.00 XX Primary Refinance Debt_Consolidation   191204
SAIF202620556     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/09/2026 03/26/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/26/2026: MHELP provided in trailing docs     62000.00 XX Primary Refinance Debt_Consolidation   191720
SAIF202620555     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/16/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: Provided in trailing docs.     60000.00 XX Primary Refinance CashOut_Other   190437
SAIF202620555     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/16/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed. 03/02/2026: Seller Reply: 2/19--Proof of E-Consent will be provided. Document uploaded on OneDiligence portal    03/02/2026: OD Response: Proof of E-Consent not uploaded to the portal as of 03/02/2026 03/16/2026: Provided in trailing docs.     60000.00 XX Primary Refinance CashOut_Other   190438
SAIF202620554     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 03/06/2026 03/25/2026 Waived D B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees included of $4872.71 exceed the 3% of loan amount threshold of $3000 by $1872.71.  Fees included in testing:  CPL $60, Flood Cert $6, Orig Fee paid by borrower $1134, Orig Fee paid by Lender $866, Discount Pts $2505, Prepaid Int -$23.29 and Settlement Fee $325. Per email dated 01/19/2026 client approved exclusion lender paid fees from this test result.  However, even if we back out the portion of the origination fee paid by the Lender, of $866, total fees are $4006.71 and exceed the allowable 3%.  Cure of $1,006.71 required.   03/25/2026: Downgrade and acknowledge per client email 02.17.2026     100000.00 XX Primary Refinance Debt_Consolidation   191633
SAIF202620554     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/06/2026 03/25/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/25/2026: MHELP provided in trailing docs     100000.00 XX Primary Refinance Debt_Consolidation   191632
SAIF202620762     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/17/2026 05/05/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $7,079.95 exceed the threshold of $2,818.91.         149999.00 XX Primary Refinance Debt_Consolidation   197275
SAIF202620762     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/16/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 document from the file.   05/14/2026: provided trailing     149999.00 XX Primary Refinance Debt_Consolidation   197155
SAIF202620872     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 06/11/2026 06/11/2026 Waived B B Compliance TRID   The loan failed the PCCD Cure Reimbursement and Revised CD delivery date test.  The last PCCD dated 06/08/2026 to provide the cure exceeds the 60 day tolerance per TRID.  Non-material per Client as customer was cured.  Waived.         60000.00 XX Primary Refinance CashOut_Other   205817
SAIF202620872     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/19/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/06/2026: MHELP provided in trailing docs     60000.00 XX Primary Refinance CashOut_Other   192330
SAIF202620872     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/19/2026 06/11/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $165 to $635. The Credit Report Fee increased from $84 to $125.65. Valid COC or additional cure of $ 511.65 required. 04/06/2026: CoC provided in trailing docs which was for the increased appraisal fee but not the increased Credit Report fee.  Cure of $41.65 required.  Per seller response, "Refund for Credit report fee pending."    04/15/2026: Seller reply: Refund pending    05/04/2026: Seller provided PCCD and evidence of reimbursement of $40.65 to the customer in trailing docs, however the total cure should have been $41.65.  The loan still fails the zero tolerance test.   Additional cure of $1.00 required.    05/13/2026: Seller reply:  05/08/2026 Checks are received, pending LOX and Revised CDs    05/29/2026: Refund pending    06/11/2026: Seller provided a second PCCD with the additional $1.00 cure.  However, the 2nd PCCD is dated 06/08/2026 and exceeds the 60 days TRID requirement therefore the loan still fails the Charges that Cannot Increase test.   Per Client, non-material as cure was provided. Downgraded and Waived    06/11/2026: grade updated       60000.00 XX Primary Refinance CashOut_Other   192333
SAIF202620872     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 03/19/2026 03/20/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ****Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         60000.00 XX Primary Refinance CashOut_Other   192334
SAIF202620578     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/04/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/24/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191466
SAIF202620578     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 03/04/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Pay Stubs for the borrower covering the most recent 30-day period as required by guidelines.   03/24/2026: Paystubs provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191467
SAIF202620578     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 03/04/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   Missing W-2 Statements for the borrower covering the most recent 2 year period as required by guidelines. 03/24/2026: Seller uploaded the final paystub of 2025 to portal in lieu of W2 which is acceptable, however, the file is still missing the W2 from 2024.  Guidelines require the most recent 2 years.  Please provide. 04/03/2026: Provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191469
SAIF202620578     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 03/04/2026 03/25/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimated dated 01/20/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 01/22/2026 but the next disclosure is a CD dated 02/19/2026. There is no corresponding LE, CD and CoC reflecting the rate lock.   03/25/2026: LE provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191531
SAIF202620569     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/21/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/12/2026: MHELP provided in trailing docs.     149999.00 XX Primary Refinance Debt_Consolidation   190747
SAIF202620569     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_FloodCert_Status 02/21/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Flood Certificate.   03/12/2026: Provided in trailing docs.     149999.00 XX Primary Refinance Debt_Consolidation   190748
SAIF202620609     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalNotes 03/16/2026 03/16/2026 Waived B B Valuation Value   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 3.6 and is not R&W Eligible. ****Full appraisal in file, Non-material, Waived per client directive.****         75000.00 XX Primary Refinance Debt_Consolidation   191991
SAIF202620609     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 02/13/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: Provided in trailing docs.     75000.00 XX Primary Refinance Debt_Consolidation   190425
SAIF202620609     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var E-Consent_DocExist 02/13/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed. 03/02/2026: Seller Reply: 2/19--Proof of E-Consent will be provided. Document uploaded on OneDiligence portal    03/02/2026: OD Response: Proof of E-Consent not uploaded to the portal as of 03/02/2026. 03/16/2026: Provided in trailing docs.     75000.00 XX Primary Refinance Debt_Consolidation   190426
SAIF202620669     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalNotes 04/07/2026 04/09/2026 Waived B B Valuation Value   The Appraisal 1073 dated 01/30/2026 value has a variance of -14.4646% from the AVM dated 01/20/2026, which is greater than the 10% variance permitted for securitization grade A or B. Lender used lower value of $375,000 to qualify the loan. ***Waived by client due to having a full appraisal in the file with CU score of 1 and is Eligible for Reps and Warrant Relief and lower value used to qualify.***         50000.00 XX Primary Refinance CashOut_Other   194926
SAIF202620669     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 04/07/2026 04/09/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.961% APR exceeds the 9.640% threshold to qualify for a safe harbor.         50000.00 XX Primary Refinance CashOut_Other   195033
SAIF202620669     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 04/08/2026 04/09/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         50000.00 XX Primary Refinance CashOut_Other   195179
SAIF202620669     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var Service_Provider_List_DocExist 04/08/2026 05/04/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List disclosure.   05/04/2026: Provided in trailing     50000.00 XX Primary Refinance CashOut_Other   195180
SAIF202620669     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 04/07/2026 05/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Condo Questionnaire Fees increased from $450 to $725. A valid CoC or cure of $275 is required. 05/04/2026: Seller reply:  Refund Pending 05/14/2026: CoC provided in trailing     50000.00 XX Primary Refinance CashOut_Other   195031
SAIF202620669     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 04/07/2026 05/14/2026 Cured D B Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $3,047.50  to $1,097.50.  A Valid CoC or cure of $1,950 is required. 05/04/2026: Seller reply:  Refund Pending 05/14/2026: PCCD and evidence of cure provided     50000.00 XX Primary Refinance CashOut_Other   195032
SAIF202620669     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseStateandLocalResult 04/07/2026 05/14/2026 Cured D B Compliance State Violation   This loan failed the required fees test. Fees of $1,021.15 exceed the threshold of $1,000.00 by $21.15.  Fees included in testing (all paid by the Borrower): Condo Questionnaire Fee $725, Flood Cert Fee $6, Recording Fee $138, Settlement/Closing Fee $111, Title Certification Fee $47, Title Policy Guaranty Fee (TX only) $2 and Non-Specific Lender Credits -$7.85. 05/04/2026: Seller reply:  Refund Pending 05/14/2026: PCCD and CoC and evidence of cure provided in trailing, compliance retested, exception cleared.     50000.00 XX Primary Refinance CashOut_Other   195035
SAIF202620567     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/12/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   190351
SAIF202620567     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/12/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   190352
SAIF202620573     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/30/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/15/2026: MHELP provided in trailing docs     125000.00 XX Primary Refinance Debt_Consolidation   193015
SAIF202620573     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/30/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,850 to $2,862.50. A Valid CoC or cure of $12.50 is required. 04/15/2026: CD and CoCs provided in trailing docs 04/15/2026: Exception cleared     125000.00 XX Primary Refinance Debt_Consolidation   193017
SAIF202620684     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalNotes 03/16/2026 03/16/2026 Waived B B Valuation Value   Desk Review dated 01/23/2026 value has variance of -14.6908% from the AVM dated 01/12/2026.  Lender used lower value of $260,000 to qualify the loan.   Per client, non-material, downgrade and acknowledge.         50000.00 XX Primary Refinance CashOut_Other   192022
SAIF202620684     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 02/16/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   190433
SAIF202620684     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AssetsIncomePerBorrowerW2Years 02/16/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 2024 W-2. The loan file is missing 2 years of W-2s as required by XXXX guidelines. The file does contain the 2025 year end paystub which satisfies the 2025 W-2 requirement.   03/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   190434
SAIF202620684     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var E-Consent_DocExist 02/16/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   190436
SAIF202620568     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/18/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   190586
SAIF202620568     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportRepresentativeScore 02/19/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the credit report utilized to approval the loan.  The file contains a Pre-Approval, single source credit report, dated 01/20/26, from Equifax.  Per the 1008, the lender used a score of 739 to qualify the borrower, however, the review is unable to validate the borrower's actual score as well as properly evaluate the liabilities utilized to underwrite the loan.   03/16/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   190624
SAIF202620577     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalNotes 03/17/2026 03/17/2026 Waived B B Valuation Value   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.6 and is Not Eligible for Rep and Warrant Relief.  Full appraisal in file, non-material.  Waived per client directive.         50000.00 XX Primary Refinance Debt_Consolidation   192093
SAIF202620577     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 02/23/2026 03/17/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/17/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   190801
SAIF202620572     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/16/2026 03/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   03/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   190430
SAIF202620484     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/27/2026 02/27/2026 Waived B B Compliance State Violation   This loan failed the TX Prohibited Fees Test. Total prohibited fee is $71.00. Fee included in testing:  Title Certification Fee paid by Lender. ****Per Client email 02.17.2026, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Title Certification Fee paid by the lender, would result in no violation.  Waived.****         140000.00 XX Primary Refinance CashOut_Other   191187
SAIF202620484     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 02/27/2026 03/02/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         140000.00 XX Primary Refinance CashOut_Other   191188
SAIF202620484     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 02/27/2026 03/02/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 10.021%. The APR threshold to qualify for a safe harbor is 9.420%.         140000.00 XX Primary Refinance CashOut_Other   191198
SAIF202620484     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomesteadPropertyIndicator 02/27/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the 12-Day Wait Period Documentation required on TX A6 loans.   03/12/2026: Provided in trailing docs.     140000.00 XX Primary Refinance CashOut_Other   191199
SAIF202620484     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomesteadPropertyIndicator 02/27/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Acknowledgement of Fair Market Value required on TX A6 loans.   03/12/2026: Provided in trailing docs.     140000.00 XX Primary Refinance CashOut_Other   191200
SAIF202620704     C - Material Exception A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance AppraisalNotes 03/31/2026 05/04/2026 Rescinded C A Valuation Value   Most Recent Desk review dated 02/03/2026 value has a variance of -16.9726% from the AVM dated 01/21/2026 which is greater than the 10% variance permitted for securitization grade A or B.  Per client directive, please provide a 2055 appraisal. 04/15/2026: Seller response:  4/13: This requirement is being re-confirmed with the investor/One Diligence. 05/04/2026: Client rescinds finding, desk review in file     50000.00 XX Primary Refinance Debt_Consolidation   193141
SAIF202620665     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 02/25/2026 02/26/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 4.3 and is not R&W Eligible.***Per Seller directive, non-material. Downgrade to a B.***   03/16/2026: Full appraisal provided, waive.     150000.00 XX Primary Refinance Debt_Consolidation   190996
SAIF202620665     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AssetsIncome4506Indicator 02/25/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C.   03/16/2026: Provided in trailing     150000.00 XX Primary Refinance Debt_Consolidation   190998
SAIF202620665     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var NOTE1IsSigned 02/24/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the fully executed Note. Copy in file is not executed.   03/16/2026: Executed note provided in trailing docs     150000.00 XX Primary Refinance Debt_Consolidation   190912
SAIF202620665     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ApplicationDocStatus 02/24/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the executed Final 1003.   03/16/2026: Fully executed copy provided in trailing docs     150000.00 XX Primary Refinance Debt_Consolidation   190913
SAIF202620665     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var BorrowerID 02/24/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing verification of borrower identity / Patriot Act Information form.   03/16/2026: Provided in trailing docs     150000.00 XX Primary Refinance Debt_Consolidation   190914
SAIF202620665     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var CT22_1stMortgage_Status 02/24/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing fully executed TX Home Equity Security Instrument and PUD Rider.   03/16/2026: Provided in trailing docs     150000.00 XX Primary Refinance Debt_Consolidation   190915
SAIF202620665     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var RightToCancelTransactionDate 02/24/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Notice of Right to Cancels for both the borrower and spouse.   03/16/2026: Provided in trailing docs     150000.00 XX Primary Refinance Debt_Consolidation   190918
SAIF202620665     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var CD_MainTRIDDisclosureType 02/24/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The file only contains only one CD issued on 2/11/2026 that was electronically received and digitally signed 02/12 and, reflects a closing date of 02/17.  There is no final executed closing disclosure.  Provide all CDs that were disclosed to the borrower.  Compliance to be retested upon receipt of all disclosed LEs, CDs and corresponding CoCs.   03/16/2026: fCD provided in trailing docs     150000.00 XX Primary Refinance Debt_Consolidation   190919
SAIF202620665     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseStateRegsResult 02/24/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing Acknowledgement of Fair Market Value.   03/16/2026: Executed copy provided in trailing docs     150000.00 XX Primary Refinance Debt_Consolidation   190921
SAIF202620580     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/10/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/27/2026: Provided in trailing docs     105000.00 XX Primary Refinance Debt_Consolidation   191863
SAIF202620580     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/11/2026 03/30/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The IA Title Guaranty Fee increased from $0 to $175. Valid COC or additional cure of $175 required. 03/27/2026: Seller reply:  Refund pending 03/30/2026: Response from compliance escalation resulted in retesting of compliance utilizing correct fee.  This exception cleared.     105000.00 XX Primary Refinance Debt_Consolidation   191882
SAIF202620580     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 03/11/2026 03/30/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan failed the prohibited fees test by $175.00.  Fees included in the test:  IA Title Guaranty Fee.   License type of Iowa Mortgage Banker License was used to test compliance.  If Lender has different license, please provide and compliance will be retested. 03/27/2026: Seller comment:  IA Title Guaranty is not prohibited, it is required in Iowa. Please provide a citation to document the prohibition of this fee.    03/27/2026: OD Reply:  OD notes this exception will be resolved since there is a tolerance cure violation being remedied by the lender directly tied to this fee.  However, OD also would like clarification from the compliance engine and has escalated the matter for citation/rationale.  We will update upon receipt of the response. 03/30/2026: Compliance Engine review indicated the fee was entered incorrectly, when correctly entered this finding cleared.     105000.00 XX Primary Refinance Debt_Consolidation   191884
SAIF202620580     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/10/2026 05/14/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $701 to $1130 Valid COC or additional cure of $358.90 required. 03/27/2026: Seller reply:  Refund pending    03/30/2026: Response from compliance escalation resulted in retesting of compliance utilizing correct fee.  The corrected figures as fees increased from $963.60 to $1130.  Valid CoC or cure of $166.40 required.    04/03/2026: Seller reply: Refund pending    04/15/2026: Seller reply:  Please recheck your calculation for the 10% fees and provide your breakdown    04/15/2026: OD response:  Abstract/Title Search baseline $260 - final fee $335 increase of $75 Attorney Fee baseline $0 - final fee $255 increase of $255 Settlement fee baseline $325 - final fee $325, no increase State Agency Guaranty fee baseline $175 - final fee $175, no increase Recording fee baseline $116 - final fee $40, -$76 decrease Final Charges that cannot increase more than 10% - $1,130 Comparable Charges that cannot increase more than 10% - $876 $876 * 10% = 87.60 $876 + 87.60 = $963.60 $166.40 cure required.    05/01/2026: Seller reply:  Refund Pending 05/14/2026: PCCD and cure provided     105000.00 XX Primary Refinance Debt_Consolidation   191865
SAIF202620613     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerMaritalStatus 02/25/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   Per the 1003 loan applications in file, the borrower is unmarried. However, the Mortgage, Title Search Report and Married Applicant Disclosure reflect the borrower as married. Please provide corrected documentation. 03/13/2026: Seller provided updated 1003 but it is not executed by the borrowers and loan originator.    03/24/2026: Seller indicates uploaded to portal, however they reuploaded the unsigned copy of the updated 1003.  Please provide corrected, signed/executed copy.    04/03/2026: Seller provided corrected final 1003 in trailing docs, however it is not executed.      04/15/2026: seller reply:  Emailed LP to reach out to borrower 05/01/2026: Executed corrected copy provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   190935
SAIF202620613     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/25/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/12/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   190953
SAIF202620613     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/25/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.   03/12/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   190968
SAIF202620575     C - Material Exception B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/12/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/27/2026: MHELP provided in trailing docs     149999.00 XX Primary Refinance Debt_Consolidation   191942
SAIF202620575     C - Material Exception B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance RatiosTotalIncomeBackDTI1 03/12/2026 03/27/2026 Cleared -Trailing Doc C A Credit DTI   DTI of 53.148% exceeds approved DTI of 49.617%, at closing. Borrower's monthly debt calculations used by lender was not supported by documentation in file. Borrowers total housing monthly debt was $4,545.47. The 1008 stated the borrowers' monthly HOA payment was $305. However; the HOA statement in the loan file, states the borrowers' monthly payment is $764. The DTI increased 3.531%. The calculated DTI is outside of guidelines maximum of 50%.   03/27/2026: HOA received for subject property XXXX is $305.00 only. $764.00 HOA fee statement received for REO property XXXX Document uploaded on OD portal     149999.00 XX Primary Refinance Debt_Consolidation   191944
SAIF202620575     C - Material Exception B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/12/2026 03/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,507 to $1,537.49. Valid CoC or additional cure of $30.49 is required.   03/27/2026: CoC provided in trailing docs     149999.00 XX Primary Refinance Debt_Consolidation   191945
SAIF202620575     C - Material Exception B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/12/2026 05/04/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $581 to $646.  Valid COC or cure of $6.90 required. 03/27/2026: Seller reply:  Refund Pending     04/03/2026: Seller comment: Refund pending 05/04/2026: PCCD and cure provided in trailing     149999.00 XX Primary Refinance Debt_Consolidation   191946
SAIF202621147     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/09/2026 04/14/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,132.20 exceed the threshold of $4,103.14.         142000.00 XX Primary Refinance Debt_Consolidation   196400
SAIF202621147     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/10/2026 04/27/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     142000.00 XX Primary Refinance Debt_Consolidation   196433
SAIF202621147     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/09/2026 04/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $3,983 to $4,132.20. A valid CoC or cure of $149.20 is required.   04/28/2026: CoCs provided in trailing docs     142000.00 XX Primary Refinance Debt_Consolidation   196399
SAIF202620911     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TitleSearch_DocExists 03/24/2026 04/27/2026 Waived D B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained, or a MHELP product if offered in the jurisdiction. The loan file only contains a title search. 04/07/2026: Seller response: Pending Remediation. Reached out to vendor 04/27/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     180000.00 XX Primary Refinance CashOut_Other   192446
SAIF202620911     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/24/2026 04/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test. The Recording Fees increased from $355 to $480 and the Document Preparation fees increased from $0 to $60. Total violation is $104.  The final CD reflects a tolerance cure of $104, however, loan fails both the 10% and 0 tolerance tests by a combined total of $304, therefore a cure of $104 is insufficient.  Additional cure of $200 to clear total violation or CoC required.   04/06/2026: Seller provided CoC in trailing docs for increased Recording Fees.     180000.00 XX Primary Refinance CashOut_Other   192466
SAIF202620911     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/24/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $665 to $865.  Total violation is $200.  The final CD reflects a tolerance cure of $104, however, loan fails both the 10% and 0 tolerance tests by a combined total of $304, therefore a cure of $104 is insufficient.  Additional cure of $200 to clear total violation or CoC required. 04/06/2026: Seller provided CoC in trailing docs for the increased Recording Fees which resolved the 10% tolerance exception; however the Appraisal fee increase of $200 was not fully satisfied as the fCD reflects only a $104 cure.  Additional $96 required or CoC for increased appraisal fee required. 04/15/2026: CoC provided in trailing docs tied to the appraisal fee increase.     180000.00 XX Primary Refinance CashOut_Other   192467
SAIF202620584     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/03/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/12/2026: MHELP provided in trailing docs     64100.00 XX Primary Refinance CashOut_Other   191444
SAIF202620584     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/03/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The E-consent document in file is e-signed by the borrower on 02/18/2026, however, the file contains documents e-signed by the borrower dated as early as 01/22/2026.  Provide e-consent tied to the earliest e-signed docs in file.   03/12/2026: Provided in trailing docs     64100.00 XX Primary Refinance CashOut_Other   191447
SAIF202620663     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalOrigAppraisedValue 03/16/2026 03/16/2026 Waived B B Valuation Value   Desk Review dated 01/12/2026 value has variance of 13.1809% from the AVM dated 01/12/2026.  Lender used lower value of $300,000 to qualify the loan.   Per client, non-material, downgrade and acknowledge.         79250.00 XX Primary Refinance Debt_Consolidation   191989
SAIF202620663     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 02/25/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/12/2026: MHELP provided in trailing docs.     79250.00 XX Primary Refinance Debt_Consolidation   190928
SAIF202620663     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AssetsIncomePerBorrowerWOE 02/25/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the written VOE to validate bonus income. Per the Income Calculation Worksheet in file, a written VOE received on 1/27/2026 was utilized calculate the bonus income.   03/16/2026: Provided in trailing docs     79250.00 XX Primary Refinance Debt_Consolidation   190976
SAIF202620581     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/16/2026 03/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/02/2026: Provided in trailing docs.     110000.00 XX Primary Refinance CashOut_Other   190428
SAIF202620581     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/16/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the E-Consent disclosure. This loan contains documents that were electronically signed. 03/02/2026: Seller Reply: Missing the E-Consent disclosure. This loan contains documents that were electronically signed.    03/02/2026: OD Response: Proof of E-Consent not uploaded to the portal as of 03/02/2026 03/16/2026: Provided in trailing docs.     110000.00 XX Primary Refinance CashOut_Other   190429
SAIF202620632     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/04/2026 03/24/2026 Cleared -Trailing Doc D A Compliance Documentation   The E-consent document in file is e-signed by the borrower on 02/17/2026, however, the file contains documents e-signed by the borrower dated as early as 01/26/2026.  Provide e-consent tied to the earliest e-signed docs in file.   03/24/2026: Provided in trailing docs     112000.00 XX Primary Refinance CashOut_Other   191540
SAIF202620632     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMOriginatorActive 03/04/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   Per the NMLS consumer access website the Loan Originator's license was only renewed through 2025 in the state of Florida. The loan application was dated 01/26/2026 and the loan closed on 02/23/2026.   03/24/2026: Updated license verification/status provided in trailing docs     112000.00 XX Primary Refinance CashOut_Other   191541
SAIF202620700     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/05/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/24/2026: MHELP provided in trailing docs     70000.00 XX Primary Refinance CashOut_Other   191558
SAIF202620666     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/05/2026 03/25/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/25/2026: MHELP provided in trailing docs     65000.00 XX Primary Refinance CashOut_Other   191611
SAIF202620634     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/02/2026 04/03/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4523.70 exceed the threshold of $4139.         102000.00 XX Primary Refinance Debt_Consolidation   193570
SAIF202620634     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/02/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1790 to $2483.70. Valid COC or cure of $693.70 required.   04/15/2026: CoCs provided in trailing docs     102000.00 XX Primary Refinance Debt_Consolidation   193566
SAIF202620634     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/02/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $452 to $579.  Valid COC or cure of $81.80 required.   04/15/2026: CoCs provided in trailing docs     102000.00 XX Primary Refinance Debt_Consolidation   193568
SAIF202620633     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/26/2026 04/07/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/07/2026: MHELP provided in trailing     100000.00 XX Primary Refinance CashOut_Other   192693
SAIF202620633     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/26/2026 04/07/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.   04/07/2026: Provided in trailing docs.     100000.00 XX Primary Refinance CashOut_Other   192696
SAIF202620633     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/26/2026 04/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,980 to $2,120. Valid COC or cure of $140 is required.   04/07/2026: CoC provided in trailing docs.     100000.00 XX Primary Refinance CashOut_Other   192706
SAIF202620668     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 03/12/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information disclosure and the Borrower's personal identification.   03/27/2026: Provided in trailing docs     92000.00 XX Primary Refinance Debt_Consolidation   191914
SAIF202620668     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1BorrNameString 03/12/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Mortgage/Deed of Trust.   03/27/2026: Provided in trailing docs     92000.00 XX Primary Refinance Debt_Consolidation   191915
SAIF202620668     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 03/12/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The signed 4506-C is missing from the loan file.   03/27/2026: Provided in trailing docs     92000.00 XX Primary Refinance Debt_Consolidation   191916
SAIF202620668     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 03/15/2026 03/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Right to Cancel.   03/27/2026: Provided in trailing docs     92000.00 XX Primary Refinance Debt_Consolidation   191978
SAIF202620760     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/09/2026 03/26/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/26/2026: MHELP provided in trailing docs     100000.00 XX Primary Refinance Debt_Consolidation   191767
SAIF202620637     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/16/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 03/24/2026: Seller Reply: Requested MHELP report from agent 3/20- pending recorded mtg    04/03/2026: Seller reply:  Mortgage rejected. APN: Assessor 11 digit Parcel Number (APN) must appear in the upper left corner of the first page of the document, use black ink & avoid printing in the 1" margins of the document. Post close is working on the resolution to record 04/15/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191999
SAIF202620637     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 03/16/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   This file is missing pay stubs for borrower covering the most recent 30-day period as required by guidelines. 03/24/2026: Seller Reply: Application date was 1/27 and we have paystubs for January through 1/18 and W2 for 2025.     03/24/2026: OD Response: The loan file is missing the paystub. The loan file only contains the W-2s for 2023 - 2025. 04/03/2026: Paystubs provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   192004
SAIF202621019     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/12/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/27/2026: MHELP provided in trailing docs     68000.00 XX Primary Refinance Debt_Consolidation   191911
SAIF202620686     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/04/2026 03/24/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4769.78 exceed the threshold of $4139.         130500.00 XX Primary Refinance CashOut_Other   191527
SAIF202620686     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/03/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/24/2026: MHELP provided in trailing docs     130500.00 XX Primary Refinance CashOut_Other   191314
SAIF202620686     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/03/2026 03/24/2026 Cleared -Trailing Doc D A Compliance Documentation   The E-consent document in file is e-signed by the borrower on 02/19/2026, however, the file contains documents e-signed by the borrower dated as early as 01/29/2026.  Provide e-consent tied to the earliest e-signed docs in file.   03/24/2026: Provided in trailing docs     130500.00 XX Primary Refinance CashOut_Other   191315
SAIF202620686     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/03/2026 03/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The loan discount points increased from $1997 to $2159.78 Valid COC or additional cure of $162.78.   03/24/2026: CoCs provided in trailing docs     130500.00 XX Primary Refinance CashOut_Other   191317
SAIF202620686     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/03/2026 03/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $798 to $999  Valid COC or cure of $121.20   03/24/2026: CoCs provided in trailing docs     130500.00 XX Primary Refinance CashOut_Other   191318
SAIF202620646     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/06/2026 03/25/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/25/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191629
SAIF202620672     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/28/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document dated 1/28/2026. The loan file contain documents that are electronically signed.   03/16/2026: Provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191206
SAIF202620672     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/02/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191234
SAIF202620664     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 03/03/2026 03/13/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing.   03/13/2026: Provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191320
SAIF202620664     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/03/2026 03/13/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing e-consent disclosure.   03/13/2026: Provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   191321
SAIF202620660     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/18/2026 02/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 02/27/2026: Cleared with trailing docs. 03/04/2026: MHELP provided in trailing docs.     97625.00 XX Primary Refinance Debt_Consolidation   190553
SAIF202620660     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/18/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.    03/02/2026: Seller uploaded privacy notice in trailing docs not the eConsent.  Please upload correct document   03/16/2026: Provided in trailing docs.     97625.00 XX Primary Refinance Debt_Consolidation   190555
SAIF202620674     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/24/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/12/2026: MHELP provided in trailing docs.     53700.00 XX Primary Refinance CashOut_Other   190922
SAIF202620674     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/24/2026 03/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.   03/12/2026: Provided in trailing docs.     53700.00 XX Primary Refinance CashOut_Other   190924
SAIF202620662     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/25/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 03/16/2026: Seller reply: Request MEHLP from Agent 03/16/2026: MHELP provided in trailing docs     84000.00 XX Primary Refinance Debt_Consolidation   191035
SAIF202620662     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/25/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.   03/16/2026: Provided in trailing     84000.00 XX Primary Refinance Debt_Consolidation   191036
SAIF202620699     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/04/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/24/2026: MHELP provided in trailing docs     103900.00 XX Primary Refinance CashOut_Other   191470
SAIF202620699     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/04/2026 03/24/2026 Cleared -Trailing Doc D A Compliance Documentation   The E-consent document in file is e-signed by the borrower on 02/19/2026, however, the file contains documents e-signed by the borrower dated as early as 01/29/2026.  Provide e-consent tied to the earliest e-signed docs in file.   03/24/2026: Provided in trailing docs     103900.00 XX Primary Refinance CashOut_Other   191475
SAIF202620699     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 03/04/2026 03/24/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan failed the  PA prohibited fees test by $628.  Fees included in the test: Loan Discount Fee.  The file does not provide any evidence if the discount fee is bona fide, no undiscounted rate was in the loan file, therefore compliance was tested as fee is not bona fide.   03/24/2026: Seller provided evidence of rate lock and undiscounted rate in trailing docs, exception cleared.     103900.00 XX Primary Refinance CashOut_Other   191496
SAIF202620699     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/04/2026 03/24/2026 Cleared -Trailing Doc B A Compliance HPML   This loan failed the higher-priced mortgage loan test.   03/24/2026: Seller provided rate lock and undiscounted rate in trailing docs, exception cleared.     103900.00 XX Primary Refinance CashOut_Other   191521
SAIF202620645     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 02/27/2026 03/13/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/13/2026: MHELP provided in trailing     50000.00 XX Primary Refinance CashOut_Other   191150
SAIF202620645     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/27/2026 03/13/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing e-consent disclosure.   03/13/2026: Provided in trailing     50000.00 XX Primary Refinance CashOut_Other   191152
SAIF202620750     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 02/27/2026 03/02/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $6982.50 exceed the threshold of $4273.16.         150000.00 XX Primary Refinance Debt_Consolidation   191201
SAIF202620750     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/02/2026 03/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/16/2026: MHELP provided in trailing docs     150000.00 XX Primary Refinance Debt_Consolidation   191259
SAIF202620734     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/03/2026 03/03/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4504.50 exceed the threshold of $4349.84.         149900.00 XX Primary Refinance CashOut_Other   191416
SAIF202620734     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/02/2026 03/13/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/13/2026: MHELP provided in trailing docs     149900.00 XX Primary Refinance CashOut_Other   191311
SAIF202620734     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/02/2026 03/13/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing e-consent disclosure.   03/13/2026: Provided in trailing docs     149900.00 XX Primary Refinance CashOut_Other   191312
SAIF202621711     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/22/2026 04/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   197920
SAIF202620688     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/19/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.         75000.00 XX Primary Refinance Debt_Consolidation   192265
SAIF202620728     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance NOTE1IsSigned 04/10/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing page 2 of the Note.   04/28/2026: Provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   196538
SAIF202620728     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/10/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/28/2026:   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/28/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   196541
SAIF202620728     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/13/2026 05/04/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1240 to $1350. Valid COC or cure of $110 required.  Review notes that the file contains only 1 LE and 1 CD.  Please provide all LEs, CDs and CoCs that were disclosed to the borrower.   05/04/2026: CoC and CDs provided in trailing     50000.00 XX Primary Refinance Debt_Consolidation   196715
SAIF202620728     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/13/2026 05/04/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains only one CD that was issued 04/02/2026 and the closing date was 04/03/2026 which is less than 3 days.   05/04/2026: CoC and CDs provided in trailing    05/04/2026:     50000.00 XX Primary Refinance Debt_Consolidation   196716
SAIF202620749     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/05/2026 03/25/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/25/2026: MHELP provided in trailing docs     149900.00 XX Primary Refinance Debt_Consolidation   191612
SAIF202620904     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 03/10/2026 03/10/2026 Waived B B Compliance State Violation   This loan failed the KS Lender Prepaid Finance Charge Test.  Total fees included of $4326.28 exceed threshold of $3815.39 by $510.89.  Fees included in testing: Flood Cert $6, Orig Fee paid by Borrower $635,  Orig Fee paid by Lender $965, Discount Pts $2264, Prepaid Int $462.28 and Settlement Fee $325. ***Per Client email 02.17.2026, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the $965 Origination Fee paid by the lender, would result in no violation.  Waived.***         80000.00 XX Primary Refinance CashOut_Other   191791
SAIF202620904     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/10/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/27/2026: MHELP provided in trailing docs     80000.00 XX Primary Refinance CashOut_Other   191776
SAIF202620784     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/04/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 03/24/2026: Seller response:  Requested MHELP report from agent 3/20- pending recorded mtg 04/03/2026: MHELP provided in trailing docs     61200.00 XX Primary Refinance CashOut_Other   191505
SAIF202620784     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 03/04/2026 03/06/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because thEse fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ****Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         61200.00 XX Primary Refinance CashOut_Other   191511
SAIF202620752     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/20/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     55000.00 XX Primary Refinance CashOut_Other   192380
SAIF202620752     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/20/2026 04/03/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination fees increased from $498 to $910.25. A Valid COC or a cure of $412.25 required.   04/03/2026: CoC provided in trailing docs     55000.00 XX Primary Refinance CashOut_Other   192381
SAIF202620833     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 03/13/2026 03/17/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan does not have a CU Score, due to the appraisal being a 2055 exterior appraisal and it is not R&W Eligible.****Per client, Non-material, Waived per client directive.****         73900.00 XX Primary Refinance CashOut_Other   191964
SAIF202620833     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 03/13/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/24/2026: MHELP provided in trailing docs.     73900.00 XX Primary Refinance CashOut_Other   191965
SAIF202620771     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/24/2026 07/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Condo Questionnaire Fee increased from $450 to $619.95. A Valid CoC or cure of $169.95 is required. 07/09/2026: CoC provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   207739
SAIF202620771     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/24/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   207803
SAIF202620843     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TitleSearch_DocExists 04/10/2026 05/01/2026 Waived D B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained. The loan file only contains a title search.   05/01/2026: MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     191400.00 XX Primary Refinance CashOut_Other   196495
SAIF202620843     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/10/2026 04/14/2026 Waived B B Compliance State Violation   This loan failed the VT Lender License Prohibited Fees Test by $350.00.  Fees included in the test:  CPL paid by borrower - $25 and Settlement Fee paid by Lender - $325.   License type of Vermont Lender License was used to test compliance.   Per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  The Settlement fee was paid by the lender and there was an additional non-specific lender credit of $1993.30 that encompassed the CPL fee per the final settlement statement.   Exception waived.         191400.00 XX Primary Refinance CashOut_Other   196506
SAIF202620843     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/10/2026 04/14/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         191400.00 XX Primary Refinance CashOut_Other   196511
SAIF202620843     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/10/2026 04/14/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.627% APR exceeds the 9.600% threshold to qualify for a safe harbor.         191400.00 XX Primary Refinance CashOut_Other   196512
SAIF202620843     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/10/2026 05/04/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $2739.38  to $2318.30.  A valid Change of Circumstance or Cure of $421.08 is required.   05/04/2026: CoC and CD provided in trailing     191400.00 XX Primary Refinance CashOut_Other   196500
SAIF202620791     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceNotes 04/29/2026 05/21/2026 Cleared C A Credit Guidelines   The Subject loan is a HPML loan with no escrow account established for taxes and insurance.  Per the mortgage statement and pay history in file, the taxes and insurance are not escrowed with the senior lien nor are escrows established with the subject lien.   05/21/2026: Seller reply:  The first lien is not an HPML loan.     146275.00 XX Primary Refinance Debt_Consolidation   198853
SAIF202620791     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 04/29/2026 04/29/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 3.8 and is not R&W Eligible. ****Full appraisal in file, Non-material, Waived per client directive.****         146275.00 XX Primary Refinance Debt_Consolidation   198755
SAIF202620791     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 04/29/2026 05/04/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         146275.00 XX Primary Refinance Debt_Consolidation   198846
SAIF202620791     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 04/29/2026 05/04/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.717% APR exceeds the 9.340% threshold to qualify for a safe harbor.         146275.00 XX Primary Refinance Debt_Consolidation   198847
SAIF202620791     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 04/29/2026 05/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test. Lender Credit decreased from $1941 to $1341.08 .  Valid Change of Circumstance or Cure of $599.92 required.   05/20/2026: CoC provided in trailing docs.     146275.00 XX Primary Refinance Debt_Consolidation   198844
SAIF202620791     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 04/29/2026 05/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $1262 to $1462.75. Valid COC or cure of $200.75 required.   05/20/2026: CoC provided in trailing docs.     146275.00 XX Primary Refinance Debt_Consolidation   198845
SAIF202620725     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsAddendumPresent 02/26/2026 03/12/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Addendum and Legal Description to Final Title Policy.   03/12/2026: Provided in trailing docs.     87000.00 XX Primary Refinance CashOut_Other   191087
SAIF202620761     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/10/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/27/2026: MHELP provided in trailing docs     78000.00 XX Primary Refinance Debt_Consolidation   191851
SAIF202620761     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/11/2026 05/04/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Credit Report Fee increased from $126 to $128.34. Valid COC or additional cure of $2.34 required. 03/27/2026: Seller response:  Refund for Credit report fee difference pending     04/03/2026: Seller reply:  Refund pending 05/04/2026: PCCD and cure provided in trailing docs     78000.00 XX Primary Refinance Debt_Consolidation   191875
SAIF202620812     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/01/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $352.75. A Valid CoC or cure of $352.75 is required.   04/15/2026: CD and CoCs provided in trailing docs     85000.00 XX Primary Refinance Debt_Consolidation   193256
SAIF202620812     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationFEDTI1008 04/03/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   1008 Underwriting Transmittal Summary Subordinate Lien P&I does not match the subject second lien P&I reflected on the note.   04/15/2026: Provided in trailing docs     85000.00 XX Primary Refinance Debt_Consolidation   193656
SAIF202620783     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/02/2026 03/13/2026 Cleared -Trailing Doc D A Compliance Documentation   The E-consent document in file is e-signed by the borrower on 02/17/2026, however, the file contains documents e-signed by the borrower dated as early as 02/04/2026.  Provide e-consent tied to the earliest e-signed docs in file.   03/13/2026: Provided in trailing docs     60000.00 XX Primary Refinance Debt_Consolidation   191302
SAIF202620783     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/03/2026 03/13/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/13/2026: MHELP provided in trailing docs     60000.00 XX Primary Refinance Debt_Consolidation   191343
SAIF202620929     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/19/2026 03/19/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $11814.95 exceed the threshold of $8458.44.         295005.00 XX Primary Refinance CashOut_Other   192279
SAIF202620929     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/19/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     295005.00 XX Primary Refinance CashOut_Other   192216
SAIF202620785     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/18/2026 03/19/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         105000.00 XX Primary Refinance Debt_Consolidation   192191
SAIF202620785     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 03/18/2026 03/19/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.875% APR exceeds the 9.600% threshold to qualify for a safe harbor.         105000.00 XX Primary Refinance Debt_Consolidation   192192
SAIF202620785     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 03/18/2026 03/19/2026 Waived B B Compliance State Violation   This loan failed the prohibited fees test by $47.00.  Fees included in the test:  Title Certification Fee paid by Lender.  ****Per Client email 02.17.2026, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Title Certification Fee paid by the Lender, would result in no violation.  Waived.         105000.00 XX Primary Refinance Debt_Consolidation   192193
SAIF202620769     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/09/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/27/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191773
SAIF202620748     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/02/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/24/2026: MHELP provided in trailing docs     149999.00 XX Primary Refinance CashOut_Other   191305
SAIF202620748     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/02/2026 03/24/2026 Cleared -Trailing Doc D A Compliance Documentation   The E-consent document in file is e-signed by the borrower on 02/16/2026, however, the file contains documents e-signed by the borrower dated as early as 02/04/2026.  Provide e-consent tied to the earliest e-signed docs in file.   03/24/2026: Provided in trailing docs     149999.00 XX Primary Refinance CashOut_Other   191306
SAIF202620748     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportFlowOtherPropBefClos 03/02/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of Homeowners Insurance for the investment property located at 3230 FM 367 E to validate PITI.   03/24/2026: Provided in trailing docs     149999.00 XX Primary Refinance CashOut_Other   191307
SAIF202620748     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/02/2026 03/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $645. Valid COC or additional cure of $645 required.   03/24/2026: CoC provided in trailing docs.     149999.00 XX Primary Refinance CashOut_Other   191310
SAIF202620748     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/04/2026 03/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $793 to $500.  Valid Change of Circumstance or Cure of $293 required.   03/24/2026: CoC provided in trailing docs     149999.00 XX Primary Refinance CashOut_Other   191503
SAIF202620738     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/31/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/15/2026: MHELP provided in trailing docs     65000.00 XX Primary Refinance CashOut_Other   193132
SAIF202620738     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/31/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $410 to $422.50. Valid COC or cure of $12.50 required.   04/15/2026: CoC provided in trailing docs     65000.00 XX Primary Refinance CashOut_Other   193133
SAIF202620738     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/31/2026 05/14/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $744 to $979.75.  Valid COC or cure of $161.35 required. 04/15/2026: Seller response:  Refund pending    05/01/2026: Seller response:  Recording fees were over disclosed at closing. The title company refunded $400.75 to the borrower on 4/3    05/01/2026: OD reply:  Please provide evidence to support the statement that the title company refunding $400.75 to the borrower on 04/03. 05/14/2026: Evidence provided in trailing docs     65000.00 XX Primary Refinance CashOut_Other   193134
SAIF202620871     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/19/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   192210
SAIF202620871     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 03/19/2026 04/03/2026 Cleared -Trailing Doc D A Credit Income   Missing VOE dated within 10 days of closing.   04/03/2026: VVOEs provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   192211
SAIF202620871     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 03/19/2026 05/04/2026 Cured D B Compliance State Violation   This loan failed the financed lender fees test. (MN Stat. 58.137) The loan has financed lender fees that exceed 5% of the loan amount. Fees included in testing (all paid by the borrower):  Orig Fee $1000,  Discount Pts $1315, Prepaid Int $184.95. 04/03/2026: Seller reply:  A refund in the amount of $160.91 will be issued to the borrower     04/15/2026: Refund pending 05/04/2026: PCCD and evidence of cure provided     50000.00 XX Primary Refinance Debt_Consolidation   192213
SAIF202620863     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalNotes 03/26/2026 03/27/2026 Waived B A Valuation Value   The 2055 Exterior Appraisal dated 02/14/2026 value has a variance of 25.3059% from the AVM dated 02/05/2026 which is greater than the 10% variance permitted for securitization grade A or B.  Waived by client due to having a 2055 appraisal in file.   05/01/2026: client rescinds, 2055 in file     149999.00 XX Primary Refinance Debt_Consolidation   192673
SAIF202620863     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 03/26/2026 04/07/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/07/2026: MHELP provided in trailing docs     149999.00 XX Primary Refinance Debt_Consolidation   192682
SAIF202620863     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var RatiosTotalIncomeBackDTI1 03/26/2026 04/07/2026 Cleared -Trailing Doc D A Credit DTI   DTI of 49.583% exceeds approved DTI of 43.504%. Per the 1008 in the file, the Borrower's monthly other debt calculation was $1442, which was not supported by the documentation in file nor does it match the total other debt on the final 1003. OD review other debt calculation is $2128 based on the debt paid off at closing. It appears lender excluded the monthly installment liability to XXXX of $686 from their DTI calculation. Please provide evidence of reason for exclusion of the liability or an updated 1008 used for qualifying.   04/07/2026: Documentation provided in trailing docs    04/07/2026: DTI does not exceed 1008 DTI.     149999.00 XX Primary Refinance Debt_Consolidation   192684
SAIF202620863     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 03/27/2026 04/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $165 to $610. Valid COC or cure of $445 required.   04/07/2026: CoC provided in trailing docs     149999.00 XX Primary Refinance Debt_Consolidation   192723
SAIF202620863     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 03/27/2026 05/01/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $686 to $1062.50.  Valid COC or cure of $307.90 required. 04/07/2026: Seller reply:  Refund pending 05/01/2026: PCCD and evidence of cure provided in trailing docs     149999.00 XX Primary Refinance Debt_Consolidation   192724
SAIF202620790     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/10/2026 03/10/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $10,605 exceed the threshold of 10,114.15.         350000.00 XX Primary Refinance CashOut_Other   191808
SAIF202620790     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/10/2026 03/26/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/26/2026: MHELP provided in trailing docs     350000.00 XX Primary Refinance CashOut_Other   191799
SAIF202620790     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportNotes 03/10/2026 03/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Fraud Report or evidence that OFAC, GSA, LDP, etc searches were made and potential red flags addressed.   03/26/2026: Fraud report provided in trailing docs, no red flags     350000.00 XX Primary Refinance CashOut_Other   191802
SAIF202620966     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/21/2026 04/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         75000.00 XX Primary Refinance Debt_Consolidation   197703
SAIF202620966     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1223 to $1616.25 Valid COC or cure of $393.25 required.   05/15/2026: CoCs provided in trailing     75000.00 XX Primary Refinance Debt_Consolidation   197719
SAIF202620966     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceHazardInsuranceDocStatus 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Home Owners Insurance Policy from the file.   05/15/2026: provided trailing     75000.00 XX Primary Refinance Debt_Consolidation   198021
SAIF202620892     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/19/2026 03/19/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $9075 exceed the threshold of $7189.30.         250000.00 XX Primary Refinance CashOut_Other   192224
SAIF202620892     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/18/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     250000.00 XX Primary Refinance CashOut_Other   192198
SAIF202620892     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/18/2026 04/03/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount points increased from $2200 to $4075. Valid COC or additional cure of $1875 required.   04/03/2026: CoC Provided in trailing docs     250000.00 XX Primary Refinance CashOut_Other   192201
SAIF202620809     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/06/2026 03/25/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/25/2026: MHELP provided in trailing docs     312600.00 XX Primary Refinance CashOut_Other   191663
SAIF202620802     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerOtherIncome 02/26/2026 03/16/2026 Cleared -Trailing Doc D A Credit Income   Missing  documentation for pension income in the amount of $1620.57 for the borrower that was used in qualifying.   03/16/2026: Provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191127
SAIF202620802     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 02/26/2026 03/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.   03/16/2026: Provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191128
SAIF202620802     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/26/2026 03/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 02/19/2026 and the closing date was 02/20/2026 which is less than 3 days.   03/16/2026: CoC and CD provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191130
SAIF202620802     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/27/2026 03/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1515 to $1827.50. Valid COC or additional cure of $312.50 required.   03/16/2026: CoC and CD provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191180
SAIF202621102     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/16/2026 04/17/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         220000.00 XX Primary Refinance Debt_Consolidation   197163
SAIF202621102     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/16/2026 04/17/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.074% APR exceeds the 9.360% threshold to qualify for a safe harbor.         220000.00 XX Primary Refinance Debt_Consolidation   197164
SAIF202621102     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalIsPropAppraisedAsIs 04/17/2026 04/29/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the Appraisal Update and/or Completion Report 1004D. Per the 1004, the appraisal was completed subject to repairs due to a missing exterior safety railing and interior lock with estimated cost to cure of $250. There was no evidence located in the file that the work was completed and no escrow holdback on the Final CD.   04/29/2026: Completion cert provided in trailing     220000.00 XX Primary Refinance Debt_Consolidation   197215
SAIF202621102     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance TPOLPrincipalAmount 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELP provided     220000.00 XX Primary Refinance Debt_Consolidation   197156
SAIF202621102     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $1,886 to $ 1,534.  Valid Change of Circumstance or Cure of $352 is required.   04/29/2026: CoCs provided in trailing     220000.00 XX Primary Refinance Debt_Consolidation   197160
SAIF202621102     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Re-inspection fee increased from $0 to $250. Valid COC or cure of $250 is required.   04/29/2026: CoCs provided in trailing     220000.00 XX Primary Refinance Debt_Consolidation   197162
SAIF202620862     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var AppraisalCURiskOverallScore 03/11/2026 03/20/2026 Waived D B Valuation Documentation   Missing Secondary Valuation required for Securitization. The file contains only a 2055 Exterior Inspection and is missing the UCDP reports to confirm the CU Score and Rep and Warrant Relief Eligibility.   03/20/2026: 2055 appraisal in file, Non-material, Waived per client directive.     85000.00 XX Primary Refinance CashOut_Other   191904
SAIF202620862     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 03/11/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/27/2026: MHELP provided in trailing docs     85000.00 XX Primary Refinance CashOut_Other   191905
SAIF202620862     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 03/11/2026 03/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal fee increased from $165 to $850. Valid CC or additional cure of $685 is required.   03/27/2026: CoC provided in trailing docs     85000.00 XX Primary Refinance CashOut_Other   191906
SAIF202620935     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/22/2026 04/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         95000.00 XX Primary Refinance Debt_Consolidation   197734
SAIF202620935     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C from the file.   05/15/2026: Provided trailing     95000.00 XX Primary Refinance Debt_Consolidation   197737
SAIF202620935     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Notice of Right to Cancel from the file.   05/15/2026: provided trailing     95000.00 XX Primary Refinance Debt_Consolidation   197740
SAIF202620935     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_Status 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the executed Final Closing Disclosure from the file. Please provide all Closing Disclosures and CoCs provided to the Borrower. Upon receipt, compliance will be retested.   05/15/2026: Provided in trailing     95000.00 XX Primary Refinance Debt_Consolidation   197742
SAIF202620935     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stMortgage_Status 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Mortgage/ Deed of Trust from the file.   05/15/2026: Provided trailing     95000.00 XX Primary Refinance Debt_Consolidation   198004
SAIF202620935     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stNote_Status 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Subject Note is missing from the file.  Data points captured from other docs in file.  Compliance will be retested upon receipt and verification of note data.   05/15/2026: provided trailing     95000.00 XX Primary Refinance Debt_Consolidation   197730
SAIF202620935     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Final 1003 from the file.   05/15/2026: Provided in trailing     95000.00 XX Primary Refinance Debt_Consolidation   197731
SAIF202620935     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information form.   05/15/2026: provided trailing     95000.00 XX Primary Refinance Debt_Consolidation   197732
SAIF202620792     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/21/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     70000.00 XX Primary Refinance Debt_Consolidation   197559
SAIF202620792     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Service_Provider_List_DocExist 04/20/2026 05/14/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List. The Service Providers List in the loan file belongs to a different loan/borrower/property.   05/14/2026: Provided in trailing docs.     70000.00 XX Primary Refinance Debt_Consolidation   197524
SAIF202620792     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/20/2026 05/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,265 to $1,841 and The Loan Origination Fee increased from $1,000 to $1,400.  Valid CoC or cure of $976 is required.   05/14/2026: CoC's provided in trailing docs.     70000.00 XX Primary Refinance Debt_Consolidation   197525
SAIF202620792     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/20/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file. The 1008 in file belongs to a different loan/borrower/property.  Review unable to validate/verify the ratios lender used to qualify the loan.   05/14/2026: Provided in trailing docs.     70000.00 XX Primary Refinance Debt_Consolidation   197526
SAIF202620792     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/21/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 from the file. The Initial 1003s provided in the file belong to different loans/borrowers/properties.   05/14/2026: Provided in trailing docs.     70000.00 XX Primary Refinance Debt_Consolidation   197558
SAIF202621233     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/14/2026 04/14/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         50000.00 XX Primary Refinance Debt_Consolidation   196802
SAIF202621233     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/14/2026 04/14/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.385 % APR exceeds the 9.270 % threshold to qualify for a safe harbor.         50000.00 XX Primary Refinance Debt_Consolidation   196803
SAIF202621233     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 04/09/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Final 1008   04/29/2026: Provided trailing     50000.00 XX Primary Refinance Debt_Consolidation   196314
SAIF202621233     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/09/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   04/29/2026: FTP provided     50000.00 XX Primary Refinance Debt_Consolidation   196315
SAIF202621233     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance IntentToProceed_DocExist 04/09/2026 04/29/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing Intent To Proceed   04/29/2026: Provided trailing     50000.00 XX Primary Refinance Debt_Consolidation   196322
SAIF202621233     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityInitialRegulatoryComplianceReview 04/09/2026 04/29/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing 12-DAY WAIT PERIOD   04/29/2026: Provided trailing     50000.00 XX Primary Refinance Debt_Consolidation   196323
SAIF202621233     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/09/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Initial 1003   04/29/2026: Provided in trailing     50000.00 XX Primary Refinance Debt_Consolidation   196325
SAIF202620104     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/27/2026 03/30/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,565 exceed the threshold of $4,139.         100000.00 XX Primary Refinance Debt_Consolidation   192838
SAIF202620104     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalOrigAppraisalDate 03/27/2026 05/13/2026 Cleared -Trailing Doc D A Valuation Documentation   Per XXXX Guidelines, the Appraisal must be dated within 120 days of the Note Date. The Appraisal is dated 11/14/2025 and the note date is 3/20/2026.   05/13/2026: Appraisal update provided in trailing docs     100000.00 XX Primary Refinance Debt_Consolidation   192798
SAIF202620104     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/27/2026 04/07/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/07/2026: MHELP provided in trailnig     100000.00 XX Primary Refinance Debt_Consolidation   192800
SAIF202620104     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/27/2026 05/14/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee from $2,705 to $2,715, Appraisal Fee from $165 to $835 and Appraisal Re-Inspection Fee from $0 to $250. Total violation was $930. The lender provided a tolerance cure of $250 on the final CD however it is insufficient for total cure. Valid CoC or additional cure of $680 is required. 04/07/2026: Seller reply: COC forms uploaded on OD portal OD Response: CoC provided for changes made on 3/19 for points increase due to rate extension. The Loan Discount Fee increase of $10 has been cured, however, a CoC or additional cure was not located in the file to cure the remaining violation of $670 tied to the increase in the Appraisal Fee.    04/15/2026: Seller reply:  Refund Pending 05/14/2026: PCCD and cure provided in trailing     100000.00 XX Primary Refinance Debt_Consolidation   192841
SAIF202620811     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var AppraisalCURiskOverallScore 03/17/2026 03/18/2026 Waived D B Valuation Documentation   Missing Secondary Valuation required for Securitization. The file contains only a 2055 Exterior Inspection and AVM, the file is missing the UCDP reports to confirm the CU Score and Rep and Warrant Relief Eligibility.   03/18/2026: non-material, waived per client     125700.00 XX Primary Refinance CashOut_Other   192082
SAIF202620811     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 03/17/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/24/2026: MHELP provided in trailing docs.     125700.00 XX Primary Refinance CashOut_Other   192083
SAIF202620823     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/02/2026 05/14/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 04/15/2026: Seller reply:  Per title vendor, not available yet 05/14/2026: Seller reply: 05/08/2026 Email sent to title vendor Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     60000.00 XX Primary Refinance Debt_Consolidation   193562
SAIF202620823     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/03/2026 04/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $940 to $1170 and the Loan Origination Fee increased from $1000 to $1200. Total violation is $430. The final CD reflects a tolerance cure of $200 but insufficient for total cure. Valid COC or additional cure of $230 required.   04/16/2026: CoCs provided in trailing docs     60000.00 XX Primary Refinance Debt_Consolidation   193644
SAIF202620882     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var IntentToProceed_DocExist 03/06/2026 03/06/2026 Waived D B Compliance Documentation   Missing Intent to proceed.   03/26/2026: Provided in trailing     83000.00 XX Primary Refinance CashOut_Other   191622
SAIF202620882     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 03/09/2026 03/09/2026 Waived B B Valuation Value   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 3.8 and is not R&W Eligible. ***Waived, Non-material per client directive***         83000.00 XX Primary Refinance CashOut_Other   191723
SAIF202620882     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseQMRegulationFailures 03/09/2026 03/09/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 9.550%. The APR threshold to qualify for a safe harbor is 9.360%.         83000.00 XX Primary Refinance CashOut_Other   191724
SAIF202620882     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 03/09/2026 03/09/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         83000.00 XX Primary Refinance CashOut_Other   191725
SAIF202620810     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 03/13/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the executed Final Loan Application 1003.   03/27/2026: Provided in trailing docs     54000.00 XX Primary Refinance Debt_Consolidation   191971
SAIF202620810     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 03/13/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information form and personal identification for the Borrower.   03/27/2026: Provided in trailing docs     54000.00 XX Primary Refinance Debt_Consolidation   191972
SAIF202620810     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1BorrNameString 03/13/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Deed of Trust/Mortgage.   03/27/2026: Provided in trailing docs     54000.00 XX Primary Refinance Debt_Consolidation   191973
SAIF202620810     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/13/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/27/2026: MHELP provided in trailing docs     54000.00 XX Primary Refinance Debt_Consolidation   191974
SAIF202620810     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 03/13/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing W-2 Statements for Borrower covering the most recent 2 year period as required by guidelines. The 2025 W-2's for the Borrower's previous job and current job was provided but 2024 W2 is missing.   03/27/2026: Provided in trailing docs     54000.00 XX Primary Refinance Debt_Consolidation   191975
SAIF202620810     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1GAAttorneyandWaiverFound 03/17/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Georgia Attorney/Waiver document.   03/27/2026: DOT provided in trailing docs. County confirmed. Document not required for county.     54000.00 XX Primary Refinance Debt_Consolidation   192084
SAIF202620810     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 03/17/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C for the Borrower.   03/27/2026: Provided in trailng docs     54000.00 XX Primary Refinance Debt_Consolidation   192085
SAIF202620810     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerExecutedProperly 03/17/2026 03/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Right to Cancel disclosure.   03/27/2026: Provided in trailing docs     54000.00 XX Primary Refinance Debt_Consolidation   192099
SAIF202621150     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/18/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     50000.00 XX Primary Refinance CashOut_Other   197377
SAIF202621150     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/18/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file.   05/14/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   197379
SAIF202621150     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerWOE 04/20/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a written verification of income for the past 2 years to validate the overtime and bonus income. Per the the income calculation worksheet in file, the overtime and bonus income utilized the 2024 and 2025 earnings.   05/14/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   197469
SAIF202620842     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalOrigAppraisedValue 03/11/2026 03/11/2026 Waived B B Valuation Value   Appraisal dated 02/12/2026 has a variance of -26.919% from the AVM dated 02/09/2026 which is greater than the 10% variance allowable. Lender used the lower value of $700,000 to qualify the loan.  Per client, lower value used, downgrade to B and acknowledge.         100000.00 XX Primary Refinance Debt_Consolidation   191888
SAIF202620842     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 03/10/2026 03/26/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/26/2026: MHELP provided in trailng docs     100000.00 XX Primary Refinance Debt_Consolidation   191852
SAIF202620842     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var E-Consent_DocExist 03/10/2026 03/26/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.    03/27/2026:   03/26/2026: Provided in trailing docs    03/27/2026: Updated grade     100000.00 XX Primary Refinance Debt_Consolidation   191854
SAIF202620842     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var 1008_Present 03/11/2026 03/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the final 1008. The most recent 1008 in file is dated 03/03/2026 at 8:40 AM and does not include the PI payment for the senior lien. There is no evidence in the file that the senior lien was paid off at, or prior to, closing.  Inclusion of the first lien liability results in a DTI of 31.548% a variance of 16.927% from the 1008.   03/26/2026: Corrected 1008 provided in trailing docs     100000.00 XX Primary Refinance Debt_Consolidation   191877
SAIF202620842     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTILAResult 03/11/2026 03/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The imaged file only contains 1 CD that was issued 03/04/2026, and the closing date was 03/04/2026, which is less than 3 days.   03/27/2026: iCD provided in trailing docs     100000.00 XX Primary Refinance Debt_Consolidation   191878
SAIF202620832     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/06/2026 03/25/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/25/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191617
SAIF202620832     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RatiosTotalIncomeBackDTI1 03/09/2026 03/25/2026 Cleared -Trailing Doc D A Credit DTI   Review DTI of 43.098%  is greater than lender DTI of 39.844% per the 1008 in file.  Lender did not include monthly mortgage insurance payment of $223.08, tied to the first lien as documented in the loan file by the 1st lien mortgage statement and Form 1098, in their DTI calculation.  Provide either an updated/corrected 1008 or explanation and evidence to support exclusion from DTI.   03/25/2026: Corrected 1008 provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191750
SAIF202620835     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/27/2026 04/07/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/07/2026: Provided trailing     60000.00 XX Primary Refinance CashOut_Other   192765
SAIF202620870     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/10/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 03/27/2026: Seller reply:  Requested MHELP report from agent 3/20- pending recorded mtg 04/03/2026: MHELP provided in trailnig doc     104300.00 XX Primary Refinance Debt_Consolidation   191857
SAIF202620870     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/10/2026 03/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $875 to $1124.75.  Valid COC or cure of $162.25 required. 03/27/2026: Seller response:  The lenders title insurance on the initial LE is the same as the Limited coverage on the final CD. Please see below   Initial LE: CPL $30.00 Lenders Title Insurance $360.00 Settlement Fee $500.00 Title Search Abstract $ 180.00 Recording Fee: $165.00  Total: 1235.00   Final CD:  CPL: $55.00 Limited Coverage (Lenders Title Insurance): $45.00 Settlement Fee $325.00 Title Search Abstract: $65.00 Recording Fee: $634.75 Total: $1124.75  Total Allowable: 1358.50 03/27/2026: Fee names corrected, CD reran, exception cleared.     104300.00 XX Primary Refinance Debt_Consolidation   191858
SAIF202620870     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/10/2026 05/01/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Transfer Taxes increased from $0 to $1,460.20. Valid COC or additional cure of $1,420.20 is required. 03/27/2026: Seller reply:  Refund for transfer taxes pending     04/03/2026: Seller reply:  Refund pending       104300.00 XX Primary Refinance Debt_Consolidation   191859
SAIF202620891     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLDocType 03/11/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The loan file contains a title search for the property. Per XXXX guidelines, for loan amounts greater than 150k, a full ALTA title report must be attained.   03/27/2026: MHELP provided in trailing docs     350000.00 XX Primary Refinance CashOut_Other   191898
SAIF202620937     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var AppraisalCURiskOverallScore 03/19/2026 04/03/2026 Waived D B Valuation Documentation   The file contains a 2055 Exterior Inspection and is missing the UCDP reports to confirm the CU Score and Rep and Warrant Relief Eligibility. 04/03/2026: Seller reply:  2055 does not score and is not subject to the SSR; uploaded to evidence these appraisal types do not score for 2055 appraisals. Document uploaded on OD portal 04/03/2026: 2055 appraisal in file, Non-material, Waived per client directive.     50000.00 XX Primary Refinance CashOut_Other   192331
SAIF202620937     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 03/19/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   192332
SAIF202620918     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 04/03/2026 04/03/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan does not have a CU score and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive.         60000.00 XX Primary Refinance CashOut_Other   193616
SAIF202620834     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportFlowOtherPropBefClos 03/19/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the mortgage loan statement for the Borrower's second property to verify that taxes and insurance are escrowed. Otherwise, please also provide evidence of property taxes and homeowners insurance for the REO property. The file only contained verification that there was no HOA dues for the REO.   04/03/2026: Provided in trailing docs     63000.00 XX Primary Refinance Debt_Consolidation   192225
SAIF202620942     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/27/2026 04/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         140000.00 XX Primary Refinance Debt_Consolidation   198519
SAIF202620942     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/28/2026 04/28/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test. Total points and fees of $ 4284 exceed the threshold of $4050.76         140000.00 XX Primary Refinance Debt_Consolidation   198669
SAIF202620942     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/27/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount fee increased from $1197 to $1484 and Loan Origination fee increased from $2720 to $2800. Valid COC or additional cure of $367.00 required.   05/18/2026: CoCs provided in trailing docs.     140000.00 XX Primary Refinance Debt_Consolidation   198520
SAIF202620850     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/18/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   192146
SAIF202621581     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/26/2026 07/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test. Fees increased from $452 to $510. Valid CoC or cure of $12.80 is required. 07/15/2026: Exception cleared upon retesting compliance       60000.00 XX Primary Refinance Debt_Consolidation   208186
SAIF202621581     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/26/2026 07/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Discount Fee increased from $3 to $633. Valid CoC or additional cure of $630 is required. 07/15/2026: CoCs provided in trailing, exception cleared.       60000.00 XX Primary Refinance Debt_Consolidation   208188
SAIF202621581     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/29/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       60000.00 XX Primary Refinance Debt_Consolidation   208384
SAIF202620934     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/09/2026 04/27/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     66000.00 XX Primary Refinance CashOut_Other   196332
SAIF202620934     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance 1008_OccupancyStatus 04/09/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008. The 1008 provided in the loan file belongs to a different borrower and property.   04/28/2026: Provided in trailing docs     66000.00 XX Primary Refinance CashOut_Other   196334
SAIF202620934     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/09/2026 04/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains only 1 CD that was issued 04/01/2026 and the closing date was 04/02/2026 which is less than 3 days.   04/28/2026: iCD provided in trailing docs     66000.00 XX Primary Refinance CashOut_Other   196335
SAIF202620934     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/09/2026 04/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $162 to $811.80. Valid COC or cure of $649.80 required.   04/28/2026: CoCs provided in trailing docs     66000.00 XX Primary Refinance CashOut_Other   196336
SAIF202620934     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalNotes 04/09/2026 04/28/2026 Rescinded D A Valuation Value   The Desktop Valuation dated 02/20/2026 value has a variance of 10.3824% from the AVM dated 002/11/2026 which is greater than the 10% variance permitted for securitization grade A or B.  Per client directive, please provide a 2055 appraisal.   04/28/2026: Desktop valuation in file, Client rescinds finding     66000.00 XX Primary Refinance CashOut_Other   196350
SAIF202620965     C - Material Exception B - Non-Material A - Meets Guidelines A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 03/30/2026 05/01/2026 Cured C B Compliance State Violation   The loan failed the TX Constitution A6 Total Indebtedness Test. The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds 80% of the fair market value of the homestead on the date the extension of credit is made.  The remaining balance on the first lien, per the credit report and mortgage payment statements in file, is $116,052.10, subject note is $50,000 and appraised/qualifying property value is $202,000 with resulting CLTV of 82.204% which exceeds TX A6 allowable limit. [Review notes the 1008 Transmittal Summary Reflects a CLTV of 80% but there is nothing in the file to support lender's calculated CLTV]. 04/15/2026: Seller reply:  XXXX Management Reviewing 05/01/2026: Seller concurred and provided evidence the seller made a principal payment on the customer's first mortgage loan in order to reduce the unpaid principal balance to bring the CLTV to 80%. Documentation provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   192982
SAIF202620849     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 03/11/2026 03/27/2026 Waived D B Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains one CD issued 03/04/2026 and the closing date was 03/05/2026 which is less than 3 days.  Please provide all CDs disclosed to the borrowers.   03/27/2026: iCD provided in trailing docs but no confirmation of date borrower received the CD.  Compliance testing based on Electronic Delivery is less than 3 days of consummation date.  However, loan passes TRID APR tests.  Non-material.    03/27/2026: loan passes all TRID tests, non-material     109500.00 XX Primary Refinance Debt_Consolidation   191881
SAIF202620849     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/11/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/27/2026: MHELP provided in trailing docs     109500.00 XX Primary Refinance Debt_Consolidation   191879
SAIF202620849     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 03/11/2026 03/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimate dated 02/11/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 02/11/2026 but the next disclosure is a CD dated 03/04/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. Please provide all LEs disclosed to the borrowers.   03/27/2026: rLE provided in trailing docs     109500.00 XX Primary Refinance Debt_Consolidation   191880
SAIF202620874     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/01/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     149900.00 XX Primary Refinance CashOut_Other   193193
SAIF202620874     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/01/2026 04/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $495 to $600.  The final CD reflects a cure of $6; however the cure is not sufficient to cure the failure. Valid COC or additional cure of $49.50 required 04/16/2026: Seller reply:  Please re-review your fees, total charged do not exceed allowable charges Initial LE: CPL: $25.00 Limited Coverage: 45.00 Settlement Fee: $345.00 Title Search Abstract: $65.00 Recording: $60.00 Total Fees: $540.00 Total Allowable: 594.00 CD: CPL: $25.00 Limited Coverage: 45.00 Settlement Fee: $345.00 Title Search Abstract: $65.00 Doc Prep: $60.00 Recording: $60.00 Total Fees: $600.00 The Cure on the Final CD of $6.00 is sufficient 04/16/2026: OD response:  Limited Coverage fee was not properly named on the CDs in the system.  When correctly entered, compliance reran with no 10% tolerance violation.     149900.00 XX Primary Refinance CashOut_Other   193214
SAIF202620894     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/03/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     70000.00 XX Primary Refinance CashOut_Other   193661
SAIF202620894     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/03/2026 04/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. the loan discount fee increased from $2,034.00 to $2,558.50. Valid COC or cure of $524.50 required.   04/16/2026: CoC provided in trailing docs     70000.00 XX Primary Refinance CashOut_Other   193727
SAIF202621068     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/05/2026 05/07/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive         50000.00 XX Primary Refinance Debt_Consolidation   199920
SAIF202621068     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 05/05/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the prior 2 years W-2s for the Borrower.   06/02/2026: Provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   199927
SAIF202621068     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerAwardOfferLetter 05/07/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Borrower's Social Security Award Letter and/or 1099-SSA.   06/02/2026: 1099-SSA provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   200438
SAIF202621068     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 05/07/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Co-Borrower's 2024 W-2s.   06/02/2026: LOE provided in trailing docs that B2 received workman's comp in 2024 so W2 not available.     50000.00 XX Primary Refinance Debt_Consolidation   200439
SAIF202621068     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/07/2026 06/26/2026 Cured D B Compliance TRID   This loan failed the lender credits that cannot decrease test.  Lender Credit decreased from $500 to $20.  Total violation is $480. The final CD reflects a tolerance cure of $660, however, loan fails both the lender credits that cannot decrease and the 0 tolerance tests by a combined total of $1140, therefore a cure of $660 is insufficient. Additional cure of $480 to clear total violation or a CoC required. 06/02/2026: Refund Pending     06/11/2026: Seller Response: Refund Pending    06/17/2026: Seller Response:  Refund Pending     06/26/2026: PCCD and proof of reimbursement provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   200467
SAIF202621068     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/06/2026 06/26/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $0 to $660. Total violation is $660. The final CD reflects a tolerance cure of $660, however, the loan fails the lender credits that cannot decrease and 0 tolerance tests by a combined total of $1140, therefore a cure of $660 is insufficient. Additional cure of $480 to clear total violation or CoC required. 06/02/2026: Seller Response: Refund Pending     06/11/2026: Seller Response: Refund Pending    06/17/2026: Seller Response:  Refund Pending     06/26/2026: PCCD and proof of reimbursement provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   200185
SAIF202620857     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/23/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/06/2026: MHELP provided in trailing docs     69400.00 XX Primary Refinance CashOut_Other   192426
SAIF202620857     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance Mortgage1BorrowerMaritalStatus 03/23/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The Mortgage shows the borrowers are vested as husband and wife, whereas the Title Search shows the borrowers are vested as joint tenants with right of survivorship. Please provide verification of correct vesting and documentation to support.   04/06/2026: Documentation provided in trailing docs shows title corrected to reflect "husband and wife".     69400.00 XX Primary Refinance CashOut_Other   192427
SAIF202620857     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance AppraisalNotes 03/23/2026 05/01/2026 Rescinded C A Valuation Value   The Desktop Valuation dated 02/13/2026 has variance of 16.9234% from the AVM dated 02/11/2026, which is greater than the 10% variance permitted for securitization grade A or B.   Per client directive, please provide a 2055 appraisal. 04/06/2026: Seller reply:  There is no specific requirement mentioned in the guidelines    04/06/2026: OD response: XXXX has requested a 2055 appraisal in this scenario.    04/15/2026: Seller response:  4/13: This requirement is being re-confirmed with the investor/One Diligence 05/01/2026:  Client rescinds finding, desktop review in file     69400.00 XX Primary Refinance CashOut_Other   192425
SAIF202620931     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 04/07/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the loan file.   05/01/2026: provided     101000.00 XX Primary Refinance Debt_Consolidation   195066
SAIF202620931     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/07/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   The initial Loan Application 1003 for both borrowers is missing from the loan file.  The file contains only the final 1003s.   05/01/2026: Provided     101000.00 XX Primary Refinance Debt_Consolidation   195067
SAIF202620931     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance LetterOfExplanationExists 04/08/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing credit inquiry letter for XXXX on 02/06/2026.   05/01/2026: provided in trailing     101000.00 XX Primary Refinance Debt_Consolidation   195256
SAIF202620938     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/02/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     122400.00 XX Primary Refinance Debt_Consolidation   193612
SAIF202620864     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_TotalLienPayoff 03/10/2026 03/26/2026 Cleared -Trailing Doc D A Compliance Documentation   Page 3 of the Final CD was incomplete and scanned improperly. Please provide a complete and legible copy of page 3.   03/26/2026: Provided in trailing docs     55000.00 XX Primary Refinance Debt_Consolidation   191848
SAIF202620889     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/11/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/27/2026: MHELP provided in trailing docs     52000.00 XX Primary Refinance CashOut_Other   191874
SAIF202620889     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/11/2026 03/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $552.25  to $549.40.  Valid Change of Circumstance or Cure of $2.85 is required.   03/27/2026: CoCs provided in trailing docs     52000.00 XX Primary Refinance CashOut_Other   191876
SAIF202620889     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalMoHOAFees 03/11/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing HOA assessment documentation.   03/27/2026: Provided in trailing docs     52000.00 XX Primary Refinance CashOut_Other   191885
SAIF202621055     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 04/01/2026 04/02/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.9 and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive.         50000.00 XX Primary Refinance CashOut_Other   193178
SAIF202621055     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 04/01/2026 04/03/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         50000.00 XX Primary Refinance CashOut_Other   193183
SAIF202621055     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 04/02/2026 04/03/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.388% APR exceeds the 9.380% threshold to qualify for a safe harbor.         50000.00 XX Primary Refinance CashOut_Other   193473
SAIF202621055     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 04/01/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/15/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   193179
SAIF202621055     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 04/02/2026 05/14/2026 Cured D B Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $255 to $ 247.50.  Valid Change of Circumstance or Cure of $7.50 required. 04/15/2026: Seller reply:  Refund will be issued    05/01/2026: Seller reply:  refund pending 05/14/2026: PCCD and evidence of cure provided     50000.00 XX Primary Refinance CashOut_Other   193470
SAIF202620866     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerFirstName 03/31/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing page 1 of the Co-Borrower's final 1003.   04/15/2026: Provided in trailing docs     94700.00 XX Primary Refinance CashOut_Other   193110
SAIF202620866     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/31/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/15/2026: MHELP provided in trailing docs     94700.00 XX Primary Refinance CashOut_Other   193113
SAIF202620866     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance LetterOfExplanationExists 04/02/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a letter of explanation for the credit inquiry with Credco on 02/06/2026.   04/15/2026: LOX provided in trailing docs     94700.00 XX Primary Refinance CashOut_Other   193377
SAIF202620866     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 03/31/2026 04/02/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. **** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         94700.00 XX Primary Refinance CashOut_Other   193128
SAIF202620917     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/23/2026 03/24/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5,387.35 exceed the threshold of $4,223.76.         147000.00 XX Primary Refinance Debt_Consolidation   192395
SAIF202620917     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 03/23/2026 04/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 03/13/2026 and the closing date was 03/14/2026 which is less than 3 days. Per the E-Doc tracking the Initial Closing Disclosure was sent to the Borrowers on 03/10/2026; however, this CD is missing from the loan file.   04/06/2026: iCD provided in trailing docs     147000.00 XX Primary Refinance Debt_Consolidation   192396
SAIF202620917     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/20/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/06/2026: MHELP provided in trailing docs     147000.00 XX Primary Refinance Debt_Consolidation   192382
SAIF202620968     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 03/19/2026 03/19/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.932% APR exceeds the 9.360% threshold to qualify for a safe harbor.         192500.00 XX Primary Refinance Debt_Consolidation   192244
SAIF202620968     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/19/2026 03/19/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $8585.50 exceed the threshold of $5482.41.         192500.00 XX Primary Refinance Debt_Consolidation   192245
SAIF202620968     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/19/2026 03/19/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         192500.00 XX Primary Refinance Debt_Consolidation   192246
SAIF202620968     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/19/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     192500.00 XX Primary Refinance Debt_Consolidation   192247
SAIF202620968     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/19/2026 04/03/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,398 to $4,735.50 and the Loan Origination Fee increased from $2,310 to $3,850. Valid COC or cure of $4,877.50 required.   04/03/2026: CoC provided in trailing docs     192500.00 XX Primary Refinance Debt_Consolidation   192243
SAIF202621239     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLInsuredAmount 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELP provided     50000.00 XX Primary Refinance CashOut_Other   197154
SAIF202620999     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/27/2026 04/07/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/07/2026: MHELP provided     65000.00 XX Primary Refinance CashOut_Other   192722
SAIF202621263     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/01/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   193350
SAIF202621263     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/01/2026 05/01/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Points increased from $453 to $827.50 and the Appraisal Fee increased from $0 to $660. Valid COC or cure of $ 1034.50 required. 04/16/2026: Seller provided CoCs in trailing docs tied to the 03/04 and 03/10 LEs which addressed the increased Discount Points, however the appraisal fee was added on the iCD.  There was no CoC tied to the addition of the appraisal fee. Valid CoC or cure of $660 required. 05/01/2026: CoC provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   193355
SAIF202621263     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/01/2026 05/01/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $645 to $993.50.  Valid COC or cure of $284.00 required 04/16/2026: Seller response:  Refund Pending 05/01/2026: PCCP and evidence of cure provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   193356
SAIF202621263     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/01/2026 05/01/2026 Cured B B Compliance State Violation   This loan failed the NC Lender Fees Test. Total fees included of $1327.50 exceed threshold of $1000 by $327.50.  Fees included in testing:  Fees paid by borrower Loan Origination-$150 and Loan Discount points $827.50 and; Fees paid by the Lender: Loan Origination-$350.  Per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Loan Origination fee paid by the lender, would result in no violation.  Waived.   05/01/2026: with issuance of PCCD and cure, this finding cleared.     50000.00 XX Primary Refinance Debt_Consolidation   193357
SAIF202620916     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var AppraisalCURiskOverallScore 03/09/2026 03/18/2026 Waived D B Valuation Documentation   Missing Secondary Valuation required for Securitization. The file contains only a 2055 Exterior Inspection and is missing the UCDP reports to confirm the CU Score and Rep and Warrant Relief Eligibility.   03/18/2026: Non-material, waived per client     50000.00 XX Primary Refinance Debt_Consolidation   191751
SAIF202620916     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 03/09/2026 03/26/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/26/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   191752
SAIF202620916     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseStateRegsResult 03/09/2026 03/10/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ****Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         50000.00 XX Primary Refinance Debt_Consolidation   191755
SAIF202620905     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/18/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   192175
SAIF202620905     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/18/2026 04/03/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $253 to $565. The Valid CoC or additional cure of $312 is required.   04/03/2026: CoC provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   192183
SAIF202620893     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/27/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 04/07/2026: Seller reply:  Pending Remediation. Reached out to vendor 04/15/2026: MHELP provided in trailing docs     79000.00 XX Primary Refinance CashOut_Other   192746
SAIF202620893     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/27/2026 04/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,315 to $1,583.95. A Valid CoC or cure of $268.95 is required.   04/07/2026: CoC provided in trailing docs.     79000.00 XX Primary Refinance CashOut_Other   192767
SAIF202621067     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/31/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1190 to $1314.95 and the Loan Origination Fee increased from $1000 to $1105. Valid COC or cure of $229.95 required.   04/15/2026: CDs and CoC provided in trailing docs     55250.00 XX Primary Refinance CashOut_Other   193081
SAIF202621067     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 03/31/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 03/19/2026 and the closing date was 03/19/2020 which is less than 3 days.   04/15/2026: CDs provided in trailing docs     55250.00 XX Primary Refinance CashOut_Other   193082
SAIF202620913     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/13/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/28/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   196620
SAIF202620913     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/15/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the loan file. The 1008s in the file belongs to another borrower and property.   04/28/2026: Provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   196869
SAIF202620947     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/30/2026 03/30/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         102600.00 XX Primary Refinance Debt_Consolidation   192999
SAIF202620947     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 03/30/2026 03/30/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.021% APR exceeds the 9.600% threshold to qualify for a safe harbor.         102600.00 XX Primary Refinance Debt_Consolidation   193000
SAIF202620947     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/30/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/15/2026: MHELP provided in trailing docs     102600.00 XX Primary Refinance Debt_Consolidation   192985
SAIF202620906     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/19/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     63998.00 XX Primary Refinance Debt_Consolidation   192339
SAIF202620906     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/19/2026 04/03/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1315 to $1683.15 The Loan Origination Fee increased from $1000 to $1279.98. Valid CoC or additional cure of $648.11 required.   04/03/2026: CoC provided in trailing docs     63998.00 XX Primary Refinance Debt_Consolidation   192341
SAIF202620932     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/17/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document with the final loan amount of $113,000, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     113000.00 XX Primary Refinance Debt_Consolidation   197206
SAIF202620932     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the file   05/14/2026: provided trailing     113000.00 XX Primary Refinance Debt_Consolidation   197209
SAIF202620932     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1505 to $1802.35 and the Origination Fee increased from $2000 to $2260. Valid COC or cure of $557.35 required.   05/14/2026: CoC provided     113000.00 XX Primary Refinance Debt_Consolidation   197212
SAIF202621018     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/28/2026 04/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         106000.00 XX Primary Refinance CashOut_Other   198562
SAIF202621018     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/29/2026 04/29/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4303.60 exceed the threshold of $4,139.00.         106000.00 XX Primary Refinance CashOut_Other   198865
SAIF202621018     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTILAResult 04/29/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial loan estimate delivery date test (from application).  The Initial LE was not provided to borrower within 3 business days of the application date of 02/18/2026. Per the E-Doc tracking in file an LE was provided to the borrowers on 2/19/2026. The only LE in file was issued on 3/11/2026.   05/18/2026: LEs and CoCs provided in trailing     106000.00 XX Primary Refinance CashOut_Other   198748
SAIF202621018     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTILAResult 04/29/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only one Loan Estimate dated 03/11/2026 reflecting that the interest rate was locked.  Product and pricing documentation reflects the interest rate lock date of 02/18/2026 which is prior to the issuance of the subject Loan Estimate.  There is no corresponding LE tied to the interest rate lock.  Please supply all LE's and CoC's.   Compliance will need to be retested upon receipt.   05/18/2026: LEs and CoCs provided in trailing     106000.00 XX Primary Refinance CashOut_Other   198751
SAIF202621018     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/29/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test by $5,352.94.  The Loan Discount Fee increased from $0 to $2,183.60, Loan Origination Fee increased from $0 to $2,120, Appraisal Fee increased from $0 to $665, Appraisal Re-inspection fee increased from $0 to $250, Credit Report fee increased $0 to $128.34 and Flood Certification fee increased $0 to $6.  A valid COC or cure of $5,352.94 required.  The iLE appears to be missing from file.  Compliance will need to be retested upon receipt.   05/18/2026: LEs and CoCs provided in trailing     106000.00 XX Primary Refinance CashOut_Other   198848
SAIF202621018     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/29/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $0.00 to $747.  Valid COC or cure of $747.00 required.  The iLE appears to be missing from file.  Compliance will need to be retested upon receipt.   05/18/2026: LEs and CoCs provided in trailing     106000.00 XX Primary Refinance CashOut_Other   198850
SAIF202621018     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalIsPropAppraisedAsIs 04/29/2026 05/15/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the Final Inspection as the Appraisal was completed "Subject to Completion per plans and specs."   05/15/2026: Provided in trailing docs.     106000.00 XX Primary Refinance CashOut_Other   198858
SAIF202621018     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance 1008_Present 04/29/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   05/01/2026: Provided in trailing docs.     106000.00 XX Primary Refinance CashOut_Other   198862
SAIF202621133     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 04/03/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residentail Mortgage guidelines. The file contains a title search report however eidence of te required and applicable E&O policy or Attorney opinion Letter or MHELP document is missing   04/16/2026: MHELP provided in trailing docs.     225000.00 XX Primary Refinance Debt_Consolidation   193660
SAIF202621133     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 04/06/2026 05/14/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $0 to $665. Valid COC or cure of $665 required. 04/16/2026: Seller reply:  Refund Pending 05/14/2026: PCCD and evidence of cure provided     225000.00 XX Primary Refinance Debt_Consolidation   194802
SAIF202621133     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalNotes 04/06/2026 04/16/2026 Waived B A Valuation Value   The 1004 Appraisal dated 03/08/2026 value has a variance of 29.7111% from the AVM dated 02/18/2026 which is greater than the 10% variance permitted for securitization grade A or B.  ***Waived by client due to having a full appraisal in the file with CU score of 1.6 .***  "   04/16/2026: Error, exception not valid - REVOKED     225000.00 XX Primary Refinance Debt_Consolidation   194801
SAIF202620930     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/08/2026 04/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test. The initial Loan Estimate dated 02/18/2026 reflects the rate was not locked. The file does not contain another LE. The file contains pricing documentation reflecting the rate was locked on 02/18. There is no LE dated within 3 business days reflecting the lock on the 2/18.   04/29/2026: rLE and iCD provided in trailing     63000.00 XX Primary Refinance CashOut_Other   195195
SAIF202620930     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/08/2026 04/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. The earliest dated CD in file was issued 03/27/2026 and the closing date was 03/30/2026 which is less than 3 days.   04/29/2026: iCD provided in trailing     63000.00 XX Primary Refinance CashOut_Other   195207
SAIF202621047     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 03/31/2026 03/31/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 3.8 and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive.         155000.00 XX Primary Refinance CashOut_Other   193117
SAIF202621043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance LE_Status 04/06/2026 04/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The file contains 1 LE dated 02/19/2026 and the first page is cut off/not imaged properly.  The Costs at Closing are not visible.   04/16/2026: Provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   194807
SAIF202621043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/06/2026 04/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 03/26/2026 and the closing date was 03/26/2026 which is less than 3 days.   04/16/2026: iCD provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   194811
SAIF202621043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/06/2026 04/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimated dated 02/19/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 02/27/2026 but the next disclosure is a CD dated 03/26/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock.   04/16/2026: LE provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   194812
SAIF202621043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/06/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the unexpred E&O policy per XXXX 2025 Residentail Mortgage guideliens. The file contains a title search report, however evidence of the requiered amd applicable E&O po;icy or Attorney Opinion Letter  or MHELP document is missing   04/16/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   194786
SAIF202621043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CD_Status 04/16/2026 05/01/2026 Cured D B Compliance Documentation   ****NEW EXCEPTION****  The file contains two CDs.  The Escrow Account section on page 4 of both CDs reflects that the borrower WILL have an escrow account and details the figures on the Escrow grid chart.  However, neither CD has escrows collected in Section G, Initial Escrow Payment at Closing, on page 2 of the CD nor does page 1, Project Payment section, reflect that the loan has escrow payments added to the monthly payments.  Please provide corrected CD to properly reflect escrows or no escrows.   05/01/2026: PCCD provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   197146
SAIF202621043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 04/06/2026 04/30/2026 Rescinded D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed. 04/16/2026: Seller indicates document uploaded to portal however the documents uploaded were the Privacy Notice and Borrower's Consent to Use of Tax Return Info, not the E-consent document.  Please provide. 04/30/2026: Seller reply:  Can OD cite the document that was eSigned? It appears that the borrower has wet signed all disclosures. OD response:  Re-reviewed and concur that docs are wet inked. Review rescinds     50000.00 XX Primary Refinance CashOut_Other   194806
SAIF202621017     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/27/2026 03/27/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $7,927.48 exceed the threshold of $4,769.20.         167600.00 XX Primary Refinance Debt_Consolidation   192719
SAIF202621017     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/27/2026 04/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $3,989 to $4,575.48. A valid CoC or cure of $586.48 is required.   04/07/2026: CoC provided in trailing docs     167600.00 XX Primary Refinance Debt_Consolidation   192721
SAIF202621017     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLInsuredAmount 03/27/2026 04/07/2026 Cleared -Trailing Doc D A Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.   04/07/2026: MHELP provided in trailing docs     167600.00 XX Primary Refinance Debt_Consolidation   192714
SAIF202621081     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetIncomeNotes 03/25/2026 05/01/2026 Waived D B Credit Documentation   The Borrower appears to be employed by a relative. The file is missing a letter from a disinterested CPA verifying that the Borrower is not self-employed by verifying the borrower's percentage of interest in the business as required by XXXX guidelines. The loan file contains the other required documents for Borrowers who are employed by a relative; including most recent paystubs, 2 years W-2s and most recent 2 years personal tax returns but missing the required accountant verification as stated above. 04/06/2026: Seller provided a Lender Certification in trailing docs stating the lender called the employer and spoke with a representative who would not provide anything in writing but confirmed over the telephone that the borrower has no ownership in the business.    04/06/2026: OD Response:  The lenders certification of a phone conversation with a representative of the employer does not satisfy the Client Guideline requirement.  Please provide a letter from a disinterested CPA as required by guidelines.    04/15/2026: Seller response:  4/9. Please find the business search results provided confirming no ownership. CPA will not be providing a letter with our requirements. Document uploaded on OD portal    04/15/2026: OD reply:  Seller provided a copy of the Annual Registration from the state of GA corporate divisions website for the borrower's place of employment.  However, the document does not provide a list or detail of ownership it merely lists the registered agent.  This document does not constitute evidence that the borrower has no ownership interest in the LLC.    04/30/2026: Seller response:  We have 2 years tax returns in file to evidence borrower has no ownership interest in the business as this is an LLC and if the borrower had an ownership in the business, it would flow over to her 1040’s from K-1’s. 05/01/2026: Loan escalated to Client for review.   Client has approved an exception waiver for this loan on this exception.  Downgrade and waive.     50000.00 XX Primary Refinance CashOut_Other   192574
SAIF202621081     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/25/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/06/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   192542
SAIF202620941     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/01/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/15/2026: MHELP provided in trailing docs     80000.00 XX Primary Refinance Debt_Consolidation   193255
SAIF202620941     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/01/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 03/24/2026 and the closing date was 03/24/2026 which is less than 3 days.   04/15/2026: iCD provided in trailing docs     80000.00 XX Primary Refinance Debt_Consolidation   193257
SAIF202620941     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/01/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $664 and the Loan Origination Fee increased from $1440 to $1600. Valid COC or cure of $824 required.   04/15/2026: iCD and CoC provided in trailing docs     80000.00 XX Primary Refinance Debt_Consolidation   193258
SAIF202620941     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/01/2026 04/30/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $482 to $0.  Valid Change of Circumstance or Cure of $482 required. 04/15/2026: Seller provided iCD and CoC tied to the iCD in trailing docs.  However, the lender credits decreased on the redisclosed LE dated 02/25.  There is no valid CoC to justify the decreased lender credit.  Finding remains, $482 to cure or valid CoC required. 04/30/2026: Add'l CoC provided in trailing     80000.00 XX Primary Refinance Debt_Consolidation   193259
SAIF202620982     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/27/2026 04/07/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/07/2026: MHELP provided in trailing     125000.00 XX Primary Refinance Debt_Consolidation   192766
SAIF202620982     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/30/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $332 to $631.25. Valid COC or cure of $299.25 required.   04/15/2026: CoC provided in trailing docs     125000.00 XX Primary Refinance Debt_Consolidation   192947
SAIF202620982     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/30/2026 05/14/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $617 to $751.25.  Valid COC or cure of $72.55 required. 04/15/2026: Seller reply:  Revised CD to be issued. The fee names were incorrect    05/04/2026: Seller provided a PCCD and letter to customer in trailing docs indicating the PCCD correct fee names.  No cure was provided.  The loan still fails the 10% tolerance test by $53.85.   Total 10% fees on the PCCD are $751.25 and the baseline total is $634.00. Fees including in test are (amount listed first is baseline amount and second is the PCCD): Abstract/Title Search - $130.00   /   97.00 Closing Protection Letter -  $62.00   /   72.25 Settlement or Closing Fee -   $325.00   /  325.00 Title Insurance Binder fee -   $17.00   /   105.00 Title Limited Coverage -  $ ---   /   88.00 Recording fee -   $100.00    /   64.00 Review notes that when a fee no longer appears on a subsequent LE or CD, it is removed from the baseline.  If that fee then re-appears after being removed, it is considered a new fee and a valid CoC is required to be disclosed.  None of the CDs except the PCCD reflect the Title Limited Coverage fee.  Cure of $53.85 required. 05/14/2026: Seller provided explanation that the LEs properly disclosed the fee names but inadvertently incorrectly renamed fee names on CDs and issued a PCCD with letter of explanation to the customer in trailing docs.   Review notes the exception will not clear due to the inconsistency with the fee names but does note that the total fees charged to the borrower is Section B is unchanged and had the correct names been consistent, there would be no violation.  Title Binder/Commitment $105, Title Search Abstract $97and Title Limited Coverage $88 is consistent throughout the LEs and the PCCD whereas the CDs reflect Title Tax Cert $88, Title Search Abstract $97 and another Title Search Abstract $105.  Non-material     125000.00 XX Primary Refinance Debt_Consolidation   192948
SAIF202620936     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/12/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 03/27/2026: Seller reply:  Requested MHELP report from agent 3/20- pending recorded mtg 04/03/2026: MHELP provided in trailing docs     61000.00 XX Primary Refinance CashOut_Other   191917
SAIF202620936     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 03/12/2026 03/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Right to Cancel, for the borrower and co-borrower.   03/27/2026: Provided in trailing docs     61000.00 XX Primary Refinance CashOut_Other   191918
SAIF202620936     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/12/2026 03/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $1,000 to $1,220. The City/County/Stamps Fee increased from $700 to $854. Valid CoC or additional cure of $374 is required.   03/27/2026: CoC provided in trailing docs     61000.00 XX Primary Refinance CashOut_Other   191926
SAIF202620936     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/12/2026 03/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $600 to $690.  Valid COC or cure of $30 required.  [OD notes that the final CD reflects a $30 tolerance cure, however due to the 0 tolerance exception, $30 is insufficient to cure the overall total violation].   03/27/2026: CoC provided in trailing docs, cure on fCD sufficient.     61000.00 XX Primary Refinance CashOut_Other   191928
SAIF202620986     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 03/31/2026 03/31/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.544% APR exceeds the 9.490% threshold to qualify for a safe harbor.         116200.00 XX Primary Refinance CashOut_Other   193051
SAIF202620986     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/31/2026 03/31/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         116200.00 XX Primary Refinance CashOut_Other   193052
SAIF202620986     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/30/2026 04/17/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/17/2026: MHELP provided in trailing docs     116200.00 XX Primary Refinance CashOut_Other   192986
SAIF202620981     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/26/2026 04/07/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/07/2026: MHELP provided trailing     125000.00 XX Primary Refinance CashOut_Other   192633
SAIF202620984     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/23/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. 04/06/2026: Seller reply:  Pending Remediation. Reached out to vendor 04/15/2026: FTP provided in trailing docs     96000.00 XX Primary Refinance CashOut_Other   192402
SAIF202620984     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/23/2026 04/06/2026 Cleared -Trailing Doc D A Compliance Documentation   This loan failed the initial closing disclosure delivery date test. The earliest dated CD in file was issued 03/13/2026 and the closing date was 03/14/2026 which is less than 3 days. Per E-Doc tracking in file, the initial Closing Disclosure was issued 03/11/2026, however the file contains only 1 CD dated 03/13/2026 and a PCCD dated 03/19/2026.   04/06/2026: iCD provided in trailing docs     96000.00 XX Primary Refinance CashOut_Other   192424
SAIF202621149     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Credit DTI   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/30/2026: Mhelp provided     65000.00 XX Primary Refinance Debt_Consolidation   196769
SAIF202620945     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/01/2026 04/02/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5,782.46,exceed the threshold of $4,313.78.         149999.00 XX Primary Refinance Debt_Consolidation   193349
SAIF202620945     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/01/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The following fees increased: Loan Discount Fee from $2,336 to $2,782.48; Loan Origination Fee from $2,700 to $2,999.98.  A Valid CoC or cure of $746.46 is required.   04/15/2026: CDs and CoCs provided in trailing docs     149999.00 XX Primary Refinance Debt_Consolidation   193347
SAIF202620964     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/21/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/06/2026: MHELP provided in trailing docs     53000.00 XX Primary Refinance Debt_Consolidation   192383
SAIF202620964     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/21/2026 04/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $705 to $771.15. Valid COC or cure of $66.15 required.   04/06/2026: CoC provided in trailing docs     53000.00 XX Primary Refinance Debt_Consolidation   192384
SAIF202620964     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance AppraisalNotes 03/23/2026 04/30/2026 Rescinded C A Valuation Value   The Desktop Review dated 02/23/2026 has a variance of 11.7272% from the AVM dated 02/20/2026 which is greater than the 10% variance permitted permitted for securitization grade A or B. Per client directive, please provide a 2055 appraisal. 04/06/2026: Seller reply:  There is no specific requirement mentioned in the guidelines    04/06/2026: OD response:  XXXX has requested a 2055 appraisal report is obtained in this scenario.    04/15/2026: Seller reply:  4/13: This requirement is being re-confirmed with the investor/One Diligence.       53000.00 XX Primary Refinance Debt_Consolidation   192411
SAIF202621118     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalNotes 04/08/2026 04/08/2026 Waived B A Valuation Value   The 1004 Appraisal dated 003/06/2026 value has a variance of 15.16% from the AVM dated 02/20/2026 which is greater than the 10% variance permitted for securitization grade A or B.  Per client directive, please provide a 2055 appraisal.***Waived by client due to having a full appraisal in the file with CU score of 1.***  "   04/30/2026: Client rescinds finding     120000.00 XX Primary Refinance Debt_Consolidation   195109
SAIF202621118     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 04/08/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $4476  to $ 1796.  Total violation is $2680. The final CD reflects a tolerance cure of $576.65, however the loan fails both the 0 tolerance test and the lender credits that cannot decrease test by a combined total of $2930, therefore a cure of $576.65 is insufficient. Additional cure of $2353.35 to clear total violation or CoC required.   04/15/2026: CoC provided in trailing docs.     120000.00 XX Primary Refinance Debt_Consolidation   195117
SAIF202621118     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 04/15/2026 04/30/2026 Cleared -Trailing Doc D A Compliance TRID   ****NEW EXCEPTION**** This loan failed the revised Loan Estimate Delivery Date and Changed Circumstances Date test. The CoC changes received date was 02/26/2026 and the revised LE was issued on 03/12/2026, which exceeds 3 days.   04/30/2026: Corrected CoC provided     120000.00 XX Primary Refinance Debt_Consolidation   196955
SAIF202621118     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 04/08/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination fee increased from $500 to $750. Total violation is $250. The final CD reflects a tolerance cure of $576.65, however the loan fails both the 0 tolerance test and the lender credits that cannot decrease test by a combined total of $2930, therefore a cure of $576.65 is insufficient. Additional cure of $2353.35 to clear total violation or CoC required.   04/15/2026: CoC provided in trailing docs.     120000.00 XX Primary Refinance Debt_Consolidation   195086
SAIF202621016     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/26/2026 03/27/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5922.92 exceed the threshold of $5711.90.         197102.00 XX Primary Refinance CashOut_Other   192711
SAIF202621016     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/26/2026 03/27/2026 Waived B B Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 03/16/2026 and the closing date was 03/17/2026 which is less than 3 days.  However, loan passes APR testing and TRID testing. Non-material.         197102.00 XX Primary Refinance CashOut_Other   192712
SAIF202621016     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 03/26/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008.   04/06/2026: Provided in trailing docs     197102.00 XX Primary Refinance CashOut_Other   192698
SAIF202620993     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/23/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/06/2026: Mhelp provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   192428
SAIF202620993     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/23/2026 04/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $815 to $877.50. Valid CoC or cure of $62.50 is required.   04/06/2026: CoC provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   192429
SAIF202621228     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/31/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/15/2026: MHELP provided in trailing docs     125500.00 XX Primary Refinance Debt_Consolidation   193096
SAIF202620997     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerPhotoIdentificationType 03/17/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information form and personal identification for the Borrower. 03/27/2026: Seller uploaded a copy of the note to trailing docs.  Patriot Act Info is missing, not the note.  Please upload 04/03/2026: Provided in trailing     50000.00 XX Primary Refinance CashOut_Other   192123
SAIF202620997     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/18/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   192178
SAIF202620996     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/18/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     55000.00 XX Primary Refinance CashOut_Other   192143
SAIF202621014     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var AppraisalCURiskOverallScore 03/20/2026 04/03/2026 Waived D B Valuation Documentation   The file contains a 2055 Exterior Inspection but is missing the UCDP reports to confirm the CU Score and Rep and Warrant Relief Eligibility. 04/03/2026: Seller reply:  2055 does not score and is not subject to the SSR; uploaded to evidence these appraisal types do not score for 2055 appraisals. Document uploaded on OD portal 04/03/2026: Full appraisal in file, Non-material, Waived per client directive.     55000.00 XX Primary Refinance Debt_Consolidation   192364
SAIF202621014     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 03/20/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     55000.00 XX Primary Refinance Debt_Consolidation   192365
SAIF202621014     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 03/20/2026 05/01/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The  following fees increased: Loan Discount Fee from $1,323 to $1,419; Appraisal Fee from $165 to $665 and; State Tax Stamps from $0 to $126.50. Total violation was $722.50.  The lender provided a tolerance cure of $500 on the final CD however it is insufficient for total cure. Valid CoC or additional cure of $222.50 is required. 04/03/2026: Seller provided CoC in trailing docs which, once the cure being provided, is completed, this will clear this finding as well.  Currently, with the CoC and reimbursement at closing of $500 is insufficient to completely cure.  Remaining tolerance violation is $126.50.    04/15/2026: Seller response:  Refund Pending 05/01/2026: PCCD and cure provided in trailing docs     55000.00 XX Primary Refinance Debt_Consolidation   192366
SAIF202621014     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseStateRegsResult 03/20/2026 05/01/2026 Cured D B Compliance State Violation   This loan failed the state of MN Financed Lender Fees Test. Total fees included of $2695.40 exceed the threshold of $2544.64 by $150.76. Fees included in testing (all paid by the Borrower):  Orig Fee $1100,  Discount Pts $1419 and Prepaid Int $176.40. 04/03/2026: Seller reply:  A refund in the amount of $160.91 will be issued to the borrower     04/15/2026: Seller response:  Refund Pending 05/01/2026: PCCP and evidence of refund provided in trailing docs     55000.00 XX Primary Refinance Debt_Consolidation   192379
SAIF202620998     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 03/24/2026 03/25/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees included of $2,582.29 exceed threshold of $1,500 by $1,082.29.  Fees included in testing:  CPL $60, Flood Cert $6, Origination Fee $1000,  Discount Pts $1085, Prepaid Int $106.29 and Settlement Fee $325. ***Downgrade and waive per client instruction 01/19/2026.***         50000.00 XX Primary Refinance CashOut_Other   192526
SAIF202620998     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/25/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/06/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   192572
SAIF202620985     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/23/2026 03/23/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $6157.90 exceed the threshold of $4139.         133000.00 XX Primary Refinance CashOut_Other   192397
SAIF202620985     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/22/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/06/2026: MHELP provided in trailing docs     133000.00 XX Primary Refinance CashOut_Other   192391
SAIF202620985     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Service_Provider_List_DocExist 03/22/2026 04/06/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List.   04/06/2026: Provided in trailing docs     133000.00 XX Primary Refinance CashOut_Other   192392
SAIF202620985     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/22/2026 04/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $3235 to $3497.90 and the Loan Origination Fee from $2460 to $2660. Valid COC or cure of $462.90 required.   04/06/2026: CoC provided in trailing docs     133000.00 XX Primary Refinance CashOut_Other   192394
SAIF202621038     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 03/25/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the loan file.  Review unable to evaluate Lender qualifying ratios.   04/06/2026: Provided in trailing     53000.00 XX Primary Refinance CashOut_Other   192554
SAIF202621038     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/25/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/06/2026: MHELP provided in trailing docs     53000.00 XX Primary Refinance CashOut_Other   192571
SAIF202621038     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/25/2026 04/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,076 to $1,407.15. Valid CoC or cure of $331.15 is required.   04/06/2026: CoC provided in trailing docs     53000.00 XX Primary Refinance CashOut_Other   192573
SAIF202621099     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/02/2026 05/01/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test. Fees increased from $784 to $1088.50. A Valid CoC or cure of $226.10 is required.  OD notes that the final CD once again reflects what appears to be a credit as a fee. 04/16/2026: Seller response:  The final CD shows the title insurance charged as $402.50 with a "XXXX" which is the discount in the title insurance in the state of FL. Total Charge for the title insurance is $201.25. Please recalculate.    04/16/2026: OD reply:  As previously conditioned, CREDITS are to be place in the "Paid by Others" column of in Section J of the CDs.  The final CD reflects a fee in the amount of $201.25 labeled "XXXX" in the "Paid by the Borrower at Closing" column.  Until a credit is reflected as a credit and not a fee, the finding remains valid.  Please issue a cure or PCCD to correct the matter. 05/01/2026: PCCP provided in trailing docs correcting the "XXXX" entry on the fCD.     70000.00 XX Primary Refinance CashOut_Other   193590
SAIF202621065     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalNotes 03/24/2026 03/26/2026 Waived B B Valuation Value   Desk Review dated 03/03/2026 value has variance of -25.7608% from the AVM dated 02/24/2026.  Lender used lower value of $410,000 to qualify the loan.  Per client, non-material, downgrade and acknowledge.         52100.00 XX Primary Refinance CashOut_Other   192482
SAIF202621065     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 03/24/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/06/2026: MHELP provided in trailing docs     52100.00 XX Primary Refinance CashOut_Other   192472
SAIF202621065     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseStateRegsResult 03/24/2026 03/25/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         52100.00 XX Primary Refinance CashOut_Other   192506
SAIF202621734     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 04/30/2026 05/05/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $9805 exceed the threshold of $7640.96.         265000.00 XX Primary Refinance CashOut_Other   199219
SAIF202621734     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/04/2026 05/05/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.470%  APR exceeds the 9.720% threshold to qualify for a safe harbor.         265000.00 XX Primary Refinance CashOut_Other   199609
SAIF202621734     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/04/2026 05/05/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         265000.00 XX Primary Refinance CashOut_Other   199610
SAIF202621734     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_HazardInsurance_Status 04/30/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Hazard Insurance Policy.         265000.00 XX Primary Refinance CashOut_Other   199204
SAIF202621734     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/30/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimate dated 03/25/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 03/27/26 but the next disclosure is a CD dated 04/21/26.  There is no corresponding LE, CD and CoC reflecting the rate lock.         265000.00 XX Primary Refinance CashOut_Other   199216
SAIF202621734     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/30/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2849 to $4505. Valid CoC or additional cure of $1656 required.         265000.00 XX Primary Refinance CashOut_Other   199217
SAIF202620995     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/18/2026 03/18/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,904.33 exceed the threshold of $4,139.00         106500.00 XX Primary Refinance CashOut_Other   192144
SAIF202620995     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/17/2026 04/03/2026 Cleared -Trailing Doc D A Compliance Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/03/2026: MHELP provided in trailing docs     106500.00 XX Primary Refinance CashOut_Other   192142
SAIF202621044     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/24/2026 04/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         95000.00 XX Primary Refinance Debt_Consolidation   198149
SAIF202621044     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/24/2026 05/29/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1141 to $2118.50 and the Origination Fee increased from $1400 to $1900 which is a violation of $1477.50. Lender provided a $137.90 cure for tolerance violation on the final CD, however it is insufficient to cure total 10% and 0 tolerance violations.  Valid COC or additional combined cure of $1541.50 required.   05/15/2026: CoC's provided in trailing docs.    05/29/2026: CoCs, PCCD, and evidence of reimbursement provided in trailing     95000.00 XX Primary Refinance Debt_Consolidation   198157
SAIF202621044     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/24/2026 05/29/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $841 to $1127.  Valid CoC or cure of $201.90 required.  Lender provided a $137.90 cure for tolerance violation on the final CD, however it is insufficient to cure total 10% and 0 tolerance violations. Valid COC or additional combined cure of $1541.50 required. 05/15/2026: Seller Response: Emailed Post closing to see if they have the refund documentation for the recording fees 05/29/2026: CoCs, PCCD, and evidence of reimbursement provided in trailing    05/29/2026: CoCs, PCCD, and evidence of reimbursement provided in trailing     95000.00 XX Primary Refinance Debt_Consolidation   198272
SAIF202621066     C - Material Exception A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance AppraisalNotes 03/25/2026 04/30/2026 Rescinded C A Valuation Value   Desktop Review dated 03/03/2026 value of $795,000 has a variance of 50.0113% from the AVM dated 02/25/2026 with value of $529,960 which is greater than the 10% variance permitted for securitization grade A or B.  Per client directive, please provide a 2055 appraisal. 04/07/2026: Seller reply: This is not a requirement and the Desktop should be sufficient to establish the value    04/07/2026: OD response:  The 2055 request comes from XXXX in this scenario.  Please obtain.    04/15/2026: 4/13: This requirement is being re-confirmed with the investor/One Diligence. 04/30/2026: Client rescinds finding     149999.00 XX Primary Refinance Debt_Consolidation   192590
SAIF202621042     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/31/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/15/2026: MHELP provided in trailing docs     58000.00 XX Primary Refinance Debt_Consolidation   193131
SAIF202621039     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/02/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     149999.00 XX Primary Refinance CashOut_Other   193359
SAIF202621020     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/24/2026 04/06/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/06/2026: MHELP provided in trailing docs     83000.00 XX Primary Refinance Debt_Consolidation   192502
SAIF202620994     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/13/2026 03/24/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   03/24/2026: MHELP provided in trailing docs.     68300.00 XX Primary Refinance Debt_Consolidation   191963
SAIF202621227     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/08/2026 05/08/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         149999.00 XX Primary Refinance CashOut_Other   200589
SAIF202621344     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 04/27/2026 05/15/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing a Valuation Report from the file. Review did not locate an AVM, Desktop Valuation or Appraisal.  Review unable to validate LTV/CLTV and any potential red flags.  Please provide valuation model used to qualify the loan.   05/15/2026: AVM provided in trailing docs.     81000.00 XX Primary Refinance Debt_Consolidation   198350
SAIF202621344     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance 1008_Present 04/27/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary- The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   05/15/2026: Provided in trailing docs.     81000.00 XX Primary Refinance Debt_Consolidation   198439
SAIF202621344     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/27/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $1,200 to $1,620. A Valid CoC or cure of $420 is required.   05/18/2026: CoC provided in trailing docs     81000.00 XX Primary Refinance Debt_Consolidation   198448
SAIF202621344     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTILAResult 04/28/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 04/17/2026 and the closing date was 04/18/2026 which is less than 3 days.   05/18/2026: CD provided in trailing docs     81000.00 XX Primary Refinance Debt_Consolidation   198588
SAIF202621171     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/25/2026 04/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         54000.00 XX Primary Refinance Debt_Consolidation   198289
SAIF202621171     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/25/2026 04/27/2026 Waived B B Compliance State Violation   This loan failed the Origination Fee Test. The loan is a second lien and charges more than a 5% Origination Fee. Total fees of $3331.80 exceed the $2700 threshold by $631.80. Fees included in testing: Lender paid Loan Origination fee $1080 and Borrower paid Loan Discount Fee $2251.80. ****Per Client email, under attorney guidance if fees are in fact paid by the Lender this should not give rise to an issue or violation.  Exclusion of the Loan Origination Fee paid by the Lender, would result in no violation.  Waived.****         54000.00 XX Primary Refinance Debt_Consolidation   198291
SAIF202621171     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/25/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount points increased from $1393 to $2251.80 Valid COC or cure of $858.80 required.   05/15/2026: CoCs provided in trailing docs.     54000.00 XX Primary Refinance Debt_Consolidation   198290
SAIF202621127     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/22/2026 04/23/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         85000.00 XX Primary Refinance Debt_Consolidation   197924
SAIF202621297     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/08/2026 04/27/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     90000.00 XX Primary Refinance Debt_Consolidation   195088
SAIF202621306     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/15/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     300000.00 XX Primary Refinance Debt_Consolidation   196866
SAIF202621306     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/15/2026 04/16/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $ 13365.00 exceed the threshold of $8549.14.         300000.00 XX Primary Refinance Debt_Consolidation   196885
SAIF202621128     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/20/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     50000.00 XX Primary Refinance CashOut_Other   197490
SAIF202621082     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalOrigAppraisedValue 04/18/2026 05/14/2026 Cleared -Trailing Doc D A Valuation Documentation   The appraisal or other valuation model is missing from the file. The file contains a AVM but for a different borrower and property.   05/14/2026: AVM provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   197374
SAIF202621082     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 04/18/2026 05/14/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. No document in file  and loan application date is 03/02/2026. The file is missing all LEs to indicate if the lender will or will not be servicing the loan.   05/14/2026: Initial LE 03.02 provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   197376
SAIF202621082     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance LE_Status 04/20/2026 05/29/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing LE'S. Unable to run Compliance. Upon receipt of all LEs disclosed to the borrower, compliance will be tested.  Additional exception may be identified at that time. 05/14/2026: Seller reply: Loan Estimates dated 03.02 and 03.04 available in efolder. PDF saved in sharepoint. Document uploaded on OD portal    05/14/2026: OD response: Missing the 03.04 LE. The 03.02 LE was the only LE uploaded on the OD portal at the time of review.    05/19/2026: Seller reuploaded the 03/02 LE, still missing the 03/04 LE. 05/29/2026: 03/04/2026 LE provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   197465
SAIF202621148     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/13/2026 04/14/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         175000.00 XX Primary Refinance CashOut_Other   196705
SAIF202621148     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/13/2026 04/14/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.766% APR exceeds the 9.480% threshold to qualify for a safe harbor.         175000.00 XX Primary Refinance CashOut_Other   196706
SAIF202621148     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/10/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.   04/28/2026: MHELP provided in trailing docs     175000.00 XX Primary Refinance CashOut_Other   196573
SAIF202621148     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/13/2026 05/15/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $540 to $790. Valid COC or cure of $250 required. 04/28/2026: Seller reply:  Refund pending 05/15/2026: PCCD and evidence of cure provided     175000.00 XX Primary Refinance CashOut_Other   196704
SAIF202621148     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1GAAttorneyandWaiverFound 04/13/2026 04/28/2026 Rescinded D A Credit Documentation   This file is missing evidence of disclosure of the GA Borrower's Acknowledgement of Rights.   04/28/2026: Not required, rescind     175000.00 XX Primary Refinance CashOut_Other   196708
SAIF202621178     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/07/2026 04/08/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         105000.00 XX Primary Refinance Debt_Consolidation   194953
SAIF202621178     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/07/2026 04/08/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.865% APR exceeds the 9.250% threshold to qualify for a safe harbor.         105000.00 XX Primary Refinance Debt_Consolidation   194954
SAIF202621178     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/06/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/15/2026: MHELP provided in trailing docs    04/15/2026: MHELP provided in trailing docs.     105000.00 XX Primary Refinance Debt_Consolidation   194848
SAIF202621178     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/06/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $79 to $997.50. A valid CoC or cure of $918.50 is required.   04/15/2026: CoC provided in trailing docs.     105000.00 XX Primary Refinance Debt_Consolidation   194909
SAIF202621135     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/26/2026 03/27/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,224.05 exceed the threshold of $4,082.24.         141000.00 XX Primary Refinance Debt_Consolidation   192630
SAIF202621135     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 03/25/2026 04/07/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the loan file. Review unable to validate ratios lender used to qualify the loan.   04/07/2026: Provided trailing     141000.00 XX Primary Refinance Debt_Consolidation   192627
SAIF202621135     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/25/2026 04/07/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/07/2026: MHELP provided in trailing docs     141000.00 XX Primary Refinance Debt_Consolidation   192629
SAIF202621172     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/25/2026 04/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         93200.00 XX Primary Refinance CashOut_Other   198292
SAIF202621172     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/25/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1403 to $1439.94.  Valid CoC or cure of $36.94 required.   05/15/2026: CoC provided in trailing docs.     93200.00 XX Primary Refinance CashOut_Other   198295
SAIF202621083     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/02/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     88000.00 XX Primary Refinance Debt_Consolidation   193365
SAIF202621210     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/15/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     100000.00 XX Primary Refinance Debt_Consolidation   196976
SAIF202621210     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/16/2026 04/17/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4280 exceed the threshold of $4139.         100000.00 XX Primary Refinance Debt_Consolidation   197104
SAIF202621237     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/08/2026 04/27/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     55000.00 XX Primary Refinance CashOut_Other   195091
SAIF202621237     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 04/08/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing an additional pay stub for the co-borrower covering the most recent 30-day period as required by guidelines. The file only contains 1 paystub covering the period from 02/22/2026 through 03/7/2026.   04/30/2026: Seller response:  As per the recent updates from sage, One paystub is sufficient when it covers 30 days YTD period. The paystub available in file covers till 3/7, which covers almost 66 days of the year Review agrees with guideline compliance.     55000.00 XX Primary Refinance CashOut_Other   195140
SAIF202621237     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance NOTE1IsPagesGood 04/08/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing page 2 of the Note.   04/30/2026: provided     55000.00 XX Primary Refinance CashOut_Other   195089
SAIF202621120     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/17/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     135500.00 XX Primary Refinance Debt_Consolidation   197198
SAIF202621120     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file.  The 1008 in the file belongs to a different borrower/property.   05/14/2026: Provided trailing     135500.00 XX Primary Refinance Debt_Consolidation   197205
SAIF202621120     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/17/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file only contained 2 CDs that were issued 04/09/2026 and the closing date was 04/10/2026, which is less than 3 days. Per the E-Doc tracking in file there were at least 2 additional CDs provided on 03/25/2026 and 04/07/2026 which were missing from the file. Please provide all CDs that were disclosed to the Borrower.   05/15/2026: iCD and another rCD provided in trailing     135500.00 XX Primary Refinance Debt_Consolidation   197309
SAIF202621120     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Initial 1003   05/14/2026: Provided trailing     135500.00 XX Primary Refinance Debt_Consolidation   197197
SAIF202621104     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/01/2026 04/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 03/24/2026 and the closing date was 03/25/2026 which is less than 3 days.  OD notes that e-Doc tracking indicates documents were sent to the borrowers on 03/19/2026 however it does not reflect if a CD was sent to the borrowers.   04/15/2026: CD provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   193237
SAIF202621121     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 04/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   198784
SAIF202621509     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/01/2026 05/05/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $ 4672.45 exceed the threshold of $4139.00         119500.00 XX Primary Refinance Debt_Consolidation   199254
SAIF202621509     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/01/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount points increased from $1,305 to $2,282.45, Loan Origination increased from $2,310 to $2,390, Appraisal increased from $165 to $620. Lender provided a $72.80 cure for tolerance violation on the final CD, however it is insufficient for total cure. Valid COC or additional cure of $1,512.45 is required.   05/21/2026: CoCs provided     119500.00 XX Primary Refinance Debt_Consolidation   199252
SAIF202621509     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/01/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test. The Abstract /Title Search Fees increased from $150 to $225.  The Title Doc Prep fee increased from $0 to $62. A Valid CoC or additional cure of $72.80 is required.  Lender provided a cure of $72.80 on the final CD, however, due to 0 tolerance cure violation, $72.80 is insufficient to cure total violation.  Until full violation is cured (or CoC provided), both exceptions remain valid.   05/21/2026: CoCs provided     119500.00 XX Primary Refinance Debt_Consolidation   199253
SAIF202621101     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/07/2026 04/27/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     74250.00 XX Primary Refinance Debt_Consolidation   194976
SAIF202621101     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/08/2026 04/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,754  to $1,878.53 and the Transfer Tax Fee increased from $210 to $223.50. A valid CoC or additional cure of $138.03 is required.   04/28/2026: CoC provided in trailing docs     74250.00 XX Primary Refinance Debt_Consolidation   195274
SAIF202621146     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 04/07/2026 04/07/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 3.7 and is not R&W Eligible. ***Full appraisal in file, Non-material, Waived per client directive.***         280000.00 XX Primary Refinance CashOut_Other   194955
SAIF202621146     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 04/07/2026 04/30/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Origination Fee increased from $5400 to $5600. The Lender provided a tolerance cure of $17.30 on the final CD, however it is insufficient for total cure. Valid COC or additional cure of $182.70 required. 04/16/2026: Seller provided a CoC in trailing docs tied to the 03/20/2026 CD for increased Loan Origination fee.  However, the CoC clearly reflects the lender was aware of the changes on 03/10/2026 but did not disclose the change to the borrowers until 03/20 which is more than the 3 days as required by TRID.  The CoC further notes that the Revised CD Due Date was on 03/13, however the CD was not provided until 03/20.  Finding remains valid, additional cure of $182.70 required. 04/30/2026: Corrected CoC provided in trailing docs     280000.00 XX Primary Refinance CashOut_Other   194960
SAIF202621146     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 04/06/2026 04/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report for a loan amount of $270,000, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document with the final loan amount of $280,000, is missing.   04/16/2026: MHELP provided in trailing docs.     280000.00 XX Primary Refinance CashOut_Other   194882
SAIF202621100     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/07/2026 04/27/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     128500.00 XX Primary Refinance CashOut_Other   195063
SAIF202621103     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/01/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     54000.00 XX Primary Refinance CashOut_Other   193315
SAIF202621155     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/02/2026 04/03/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.647%  APR exceeds the 9.480% threshold to qualify for a safe harbor.         78000.00 XX Primary Refinance CashOut_Other   193604
SAIF202621155     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/02/2026 04/03/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         78000.00 XX Primary Refinance CashOut_Other   193608
SAIF202621155     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/01/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/15/2026: MHELP provided in trailing docs     78000.00 XX Primary Refinance CashOut_Other   193165
SAIF202621084     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/06/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   194914
SAIF202621580     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/04/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test. Lender Credit decreased from $886.55 to $722.65.  Valid Change of Circumstance or Cure of $163.90 required.   06/02/2026: Provided in trailing docs.     149000.00 XX Primary Refinance Debt_Consolidation   199636
SAIF202621273     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material C - Value is not within 10% Var B - Secondary Review within 10% var AppraisalCURiskOverallScore 04/10/2026 04/14/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.7 and is not R&W Eligible. ****Full appraisal in file, Non-material, Waived per client directive.****         169500.00 XX Primary Refinance Debt_Consolidation   196443
SAIF202621273     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material C - Value is not within 10% Var B - Secondary Review within 10% var ComplianceEaseQMRegulationFailures 04/10/2026 04/14/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $7898.73 exceed the threshold of $4808.99.         169500.00 XX Primary Refinance Debt_Consolidation   196449
SAIF202621273     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material C - Value is not within 10% Var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 04/10/2026 04/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $3927 to $5008.73 and the State Tax/Stamps increased from $240 to $254.25. Valid COC or cure of $1095.98 required.   04/29/2026: CoCs provided in trailing     169500.00 XX Primary Refinance Debt_Consolidation   196447
SAIF202621273     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material C - Value is not within 10% Var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 04/09/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELP provided in trailing     169500.00 XX Primary Refinance Debt_Consolidation   196404
SAIF202621273     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material C - Value is not within 10% Var B - Secondary Review within 10% var AppraisalNotes 04/10/2026 04/29/2026 Rescinded C A Valuation Value   The 1004 Appraisal dated 03/17/2026 value has a variance of 52.4528% from the AVM dated 03/03/2026 which is greater than the 10% variance permitted for securitization grade A or B.  Per client directive, please provide a 2055 appraisal.  "   04/29/2026: Client rescinds finding, full appraisal in file     169500.00 XX Primary Refinance Debt_Consolidation   196442
SAIF202621713     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/05/2026 05/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   199811
SAIF202621262     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalNotes 04/03/2026 04/03/2026 Waived B B Valuation Documentation   The 1004 Appraisal dated 03/16/2026 value has a variance of 15.8187% from the AVM dated 03/12/2026 which is greater than the 10% variance permitted for securitization grade A or B.  Per client directive, please provide a 2055 appraisal. ***Waived by client due to having a full appraisal in the file with CU score of 1.***  "         60000.00 XX Primary Refinance CashOut_Other   193701
SAIF202621262     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 04/01/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     60000.00 XX Primary Refinance CashOut_Other   193343
SAIF202621262     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 04/01/2026 05/14/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $0 to $665. Valid COC or cure of $665 required. 04/16/2026: Seller reply:  Refund will be issued    04/30/2026: Seller reply:  Refund pending 05/14/2026: PCCD and evidence of cure provided     60000.00 XX Primary Refinance CashOut_Other   193346
SAIF202621264     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/27/2026 04/27/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5970 exceed the threshold of $4301.65         150000.00 XX Primary Refinance CashOut_Other   198337
SAIF202621264     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/27/2026 04/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         150000.00 XX Primary Refinance CashOut_Other   198348
SAIF202621264     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/26/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Appraisal fee increased from $0 to $665. Valid COC or cure of $665 required.   05/15/2026: CoC provided in trailing docs.     150000.00 XX Primary Refinance CashOut_Other   198297
SAIF202621310     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/21/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The Initial 1003 Loan Application for the borrower is missing from the file.  The copy in file belongs to a different borrower/property/loan.   05/15/2026: Provided in trailing docs.     80400.00 XX Primary Refinance CashOut_Other   197637
SAIF202621310     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/21/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The Initial 1003 Loan Application for the Co-Borrower is missing from the file.  The copy in file belongs to a different borrower/property/loan.   05/15/2026: Provided in trailing docs.     80400.00 XX Primary Refinance CashOut_Other   197638
SAIF202621310     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/21/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   05/15/2026: Provided in trailing docs.     80400.00 XX Primary Refinance CashOut_Other   197655
SAIF202621310     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/21/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,124 to $2,134.62, the Loan Origination Fee increased from $1,600 to $1,608 and the City/County Tax Stamps from $66 to $67. A valid CoC or cure of $19.62 is required.   05/15/2026: CoC provided in trailing docs.     80400.00 XX Primary Refinance CashOut_Other   197674
SAIF202621308     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 04/15/2026 04/29/2026 Cleared -Trailing Doc D A Valuation Documentation   The file contains a 1004 appraisal report.  The file is missing the UCDP reports from the file.   04/29/2026: Provided in trailing     149999.00 XX Primary Refinance CashOut_Other   196968
SAIF202621308     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/15/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELP provided     149999.00 XX Primary Refinance CashOut_Other   196969
SAIF202621119     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/08/2026 04/27/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     50000.00 XX Primary Refinance Debt_Consolidation   195201
SAIF202621119     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 04/08/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008. The 1008 in file belongs to a different borrower and property.   04/28/2026: Provided in trailing docs     50000.00 XX Primary Refinance Debt_Consolidation   195236
SAIF202621717     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/12/2026 05/12/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         350000.00 XX Primary Refinance Debt_Consolidation   201165
SAIF202621717     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/12/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in the file was issued 05/01/2026 and the closing date was 0501/2026, which is less than 3 days.   06/02/2026: Provided in trailing docs.     350000.00 XX Primary Refinance Debt_Consolidation   201166
SAIF202621717     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/11/2026 05/26/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   05/26/2026: provided trailing    05/26/2026: corrected grade     350000.00 XX Primary Refinance Debt_Consolidation   200938
SAIF202621717     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/11/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $3,329  to $0.  Valid Change of Circumstance or Cure of $3,329 is required.   06/02/2026: CoC provided in trailing docs.     350000.00 XX Primary Refinance Debt_Consolidation   200956
SAIF202621717     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/11/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $845 to $1,102.50 and the Loan Origination Fee increased from $6,900 to $7000. A Valid CoC or cure of $357.50 is required.   06/02/2026: CoC provided in trailing docs.     350000.00 XX Primary Refinance Debt_Consolidation   200957
SAIF202621717     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/12/2026 05/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 from the loan file.   05/26/2026: provided trailing    06/02/2026:     350000.00 XX Primary Refinance Debt_Consolidation   201163
SAIF202620110     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/27/2026 04/28/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.667% APR exceeds the 9.480% threshold to qualify for a safe harbor.         95000.00 XX Primary Refinance Debt_Consolidation   198386
SAIF202620110     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/27/2026 04/28/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         95000.00 XX Primary Refinance Debt_Consolidation   198388
SAIF202620110     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalDocStatus 04/27/2026 05/15/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the Final Inspection from the file. Per the Final CD there was a Final Inspection Fee charged.   05/15/2026: Provided in trailing docs.     95000.00 XX Primary Refinance Debt_Consolidation   198389
SAIF202620110     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/27/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.  Lender Credit decreased from $2195  to $2175.50.  Valid Change of Circumstance or Cure of $19.50 required.   05/15/2026: CoC provided in trailing docs.     95000.00 XX Primary Refinance Debt_Consolidation   198385
SAIF202620110     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/27/2026 06/11/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Final Inspection Fee increased from $0 to $250. Valid COC or cure of $250 required. 05/15/2026: Seller Response: Refund pending     06/11/2026: PCCD and proof of refund provided to the borrower provided in trailing docs.       95000.00 XX Primary Refinance Debt_Consolidation   198384
SAIF202621304     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/08/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/28/2026: corrected grade     85750.00 XX Primary Refinance CashOut_Other   195110
SAIF202621304     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 04/09/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008. The 1008 in file belongs a different borrower and property.   04/28/2026: Provided in trailing docs     85750.00 XX Primary Refinance CashOut_Other   196351
SAIF202621304     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/10/2026 04/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1785 to $2469.60. Valid COC or cure of $684.60 required.   04/28/2026: CoCs provided in trailing docs     85750.00 XX Primary Refinance CashOut_Other   196432
SAIF202621136     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/01/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     67500.00 XX Primary Refinance CashOut_Other   193217
SAIF202621206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/13/2026 04/14/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         50000.00 XX Primary Refinance CashOut_Other   196621
SAIF202621206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/13/2026 04/14/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.571% APR exceeds the 9.200% threshold to qualify for a safe harbor.         50000.00 XX Primary Refinance CashOut_Other   196622
SAIF202621206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalDocStatus 04/09/2026 04/30/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the Appraisal from the file.   04/30/2026: 1004 provided in trailing     50000.00 XX Primary Refinance CashOut_Other   196280
SAIF202621206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance 1008_Present 04/11/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file. 1008 in file is for a different loan/borrower/property.   04/30/2026: Provided     50000.00 XX Primary Refinance CashOut_Other   196586
SAIF202621206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance IntentToProceed_DocExist 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Acknowledgement of Intent to Proceed. The Intent to Proceed provided in the loan file was for a different borrower and property.   04/30/2026: provided     50000.00 XX Primary Refinance CashOut_Other   196598
SAIF202621206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance Service_Provider_List_DocExist 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Servicer Providers List disclosure.   04/30/2026: provided     50000.00 XX Primary Refinance CashOut_Other   196599
SAIF202621170     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/08/2026 04/27/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     260000.00 XX Primary Refinance CashOut_Other   195277
SAIF202621170     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/09/2026 04/09/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $7878 exceed the threshold of $7556.92.         260000.00 XX Primary Refinance CashOut_Other   196341
SAIF202621170     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/08/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing 1008 from the file.   04/28/2026: Provided in trailing docs     260000.00 XX Primary Refinance CashOut_Other   196279
SAIF202621170     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/09/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial Loan Application.  The earlier application copies in file do not belong to the subject property and borrower.   04/28/2026: Provided in trailing docs     260000.00 XX Primary Refinance CashOut_Other   196339
SAIF202621174     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/01/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     90000.00 XX Primary Refinance Debt_Consolidation   193266
SAIF202621130     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 04/01/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the USA Patriot Act Information disclosure for the Borrower.   04/15/2026: Provided in trailing docs     55000.00 XX Primary Refinance Debt_Consolidation   193154
SAIF202621130     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/01/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/15/2026: MHELP provided in trailing docs     55000.00 XX Primary Refinance Debt_Consolidation   193212
SAIF202621152     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/10/2026 05/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1130 to $1557. Valid COC or cure of $427 required. 04/30/2026: Seller indicates CoC uploaded to portal, however the only document uploaded in trailing was the 1008.  Please reupload. 05/14/2026: CoC provided     90000.00 XX Primary Refinance Debt_Consolidation   196540
SAIF202621152     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/14/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the subject transaction 1008 Transmittal Summary.  The 1008 in file belongs to a different borrower/loan/property. 04/30/2026: Seller provided 1008 Transmittal Summary in trailing docs, however, the 1008 reflects a CLTV of 18.977% which is the same as the LTV which differs 41.519% from the review calculated CLTV of 60.496%.  Provide correct 1008 reflecting the lender qualifying CLTV.    05/14/2026: Seller indicated 05/11/2026 Corrected 1008 uploaded, however it reflects the LTV and CLTV of 18.977% and HCLTV of 60.496%.  The subject second lien note is not a HELOC and therefore the LTV and CLTV are not the same.  Please provide corrected.    05/29/2026: Seller response - In process    06/11/2026: Provided in trailing docs.       90000.00 XX Primary Refinance Debt_Consolidation   196826
SAIF202621225     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 04/13/2026 04/13/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.7 and is not R&W Eligible.***Full appraisal in file, Non-material, Waived per client directive.***         69000.00 XX Primary Refinance Debt_Consolidation   196717
SAIF202621225     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 04/13/2026 04/15/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         69000.00 XX Primary Refinance Debt_Consolidation   196724
SAIF202621225     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 04/13/2026 04/15/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.251% APR exceeds the 9.250% threshold to qualify for a safe harbor.         69000.00 XX Primary Refinance Debt_Consolidation   196725
SAIF202621225     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 04/13/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/28/2026: MHELP provided in trailing docs     69000.00 XX Primary Refinance Debt_Consolidation   196718
SAIF202621225     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var 1008_Present 04/10/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008.   04/28/2026: Provided in trailing docs     69000.00 XX Primary Refinance Debt_Consolidation   196578
SAIF202621295     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/28/2026 04/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         84000.00 XX Primary Refinance Debt_Consolidation   198638
SAIF202621295     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetVerifDocType 04/29/2026 05/18/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing the lender's income calculation worksheet as required by guidelines.   05/18/2026: Provided in trailing docs.     84000.00 XX Primary Refinance Debt_Consolidation   198929
SAIF202621295     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/29/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,589.00 to $2923.20. Valid COC or cure of $1,334.20 required.   05/18/2026: CoCs provided in trailing docs.     84000.00 XX Primary Refinance Debt_Consolidation   198934
SAIF202621295     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/30/2026 06/11/2026 Cleared -Trailing Doc D A Compliance Documentation   This loan failed the Revised Closing Disclosure Delivery Date Test (No Waiting Period Required). The file contains 3 CDs with issue dates of 04/10, 04/17 and 04/20. The 04/20 CD is unsigned but reflects a barcode stamp at the bottom of the disclosure. The 04/17 CD was wet ink signed at closing on 04/20/2026. E-Doc tracking in file makes no reference to when/if the 04/20 disclosure was provided to the borrowers. The closing costs and amounts back to borrower at closing differs on the CDs. 05/19/2026: Seller provided fCD in trailing dated 04/20/2026 ****NEW FINDING****however only the first 3 pages came through.  Missing the signatures and the complete report.   Rerunning the engine based on the data on page 1, clears the timing issue but need a complete, executed copy.  Please re-upload.    06/02/2026: Seller provided a complete copy, however, signature section of the complete copy reveals the 04/20 final CD was digitally executed 05/08/2025.  Using this date to confirm borrower's receipt of the fCD results in the delivery timing test failure again.  Please provide evidence of the final CD that was provided to the borrowers at closing.      06/11/2026: Provided in trailing docs.       84000.00 XX Primary Refinance Debt_Consolidation   199113
SAIF202621177     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/06/2026 04/15/2026 Cleared -Trailing Doc D A Credit Documentation   the file is missingevidence of the unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file conntains a title search report- however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document  is missing   04/15/2026: MHELP provided in trailing docs     74300.00 XX Primary Refinance CashOut_Other   194810
SAIF202621177     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/07/2026 04/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Discount Point fee increased from $1,638 to $1,935.52. A valid CoC or additional cure of $297.52 required.   04/16/2026: CoC provided in trailing docs     74300.00 XX Primary Refinance CashOut_Other   194977
SAIF202621134     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/07/2026 04/29/2026 Cleared -Trailing Doc D A Compliance Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELP provided     105000.00 XX Primary Refinance Debt_Consolidation   195065
SAIF202621134     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/08/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing 1008 from the file.   04/29/2026: Provided     105000.00 XX Primary Refinance Debt_Consolidation   195276
SAIF202621176     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/02/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     60000.00 XX Primary Refinance CashOut_Other   193427
SAIF202621338     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/07/2026 04/08/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.893% APR exceeds the 9.480% threshold to qualify for a safe harbor.         52000.00 XX Primary Refinance Debt_Consolidation   195061
SAIF202621338     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/08/2026 04/08/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         52000.00 XX Primary Refinance Debt_Consolidation   195145
SAIF202621338     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 04/07/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 for the subject property and borrower. The loan file contained two 1008s that were for two different borrowers and properties.   04/28/2026: Provided in trailing docs     52000.00 XX Primary Refinance Debt_Consolidation   195049
SAIF202621338     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/07/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/28/2026: MHELP provided in trailing docs     52000.00 XX Primary Refinance Debt_Consolidation   195052
SAIF202621211     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/28/2026 04/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         55900.00 XX Primary Refinance Debt_Consolidation   198711
SAIF202621211     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/28/2026 05/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclousre Delivery  Date Test.  The file contains only 1 Loan Estimated dated 03/10/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 03/10/2026 but the next disclosure is a CD dated 04/17/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock.   05/20/2026: Revised LE provided in trailing docs.     55900.00 XX Primary Refinance Debt_Consolidation   198718
SAIF202621211     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/28/2026 05/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2239 to $2255.57 . Valid COC or cure of $16.57 required.   05/20/2026: CoC provided in trailing docs.     55900.00 XX Primary Refinance Debt_Consolidation   198719
SAIF202621211     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance NOTE1IsPagesGood 04/28/2026 05/20/2026 Cleared -Trailing Doc D A Credit Documentation   Missing page 2 of the Note.   05/20/2026: Provided in trailing docs.     55900.00 XX Primary Refinance Debt_Consolidation   198710
SAIF202621316     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/17/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $730 to $1,056. Valid CoC or cure of $326 is required.   06/02/2026: CoCs provided in trailing docs.     192000.00 XX Primary Refinance Debt_Consolidation   202220
SAIF202621316     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/19/2026 05/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 Loan Application from the file.  The file only contains the final 1003.   05/26/2026: provided trailing     192000.00 XX Primary Refinance Debt_Consolidation   202441
SAIF202621316     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/19/2026 05/26/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan.   05/26/2026: provided trailing     192000.00 XX Primary Refinance Debt_Consolidation   202445
SAIF202621274     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalAnyAddtnlValuations 05/01/2026 05/05/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.6 and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive.         50000.00 XX Primary Refinance CashOut_Other   199304
SAIF202621274     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 05/01/2026 05/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   199305
SAIF202621274     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 05/02/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains only one CD which was issued 04/22/2026 and the closing date was 04/24/2026 which is less than 3 days.   05/21/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   199481
SAIF202621488     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/24/2026 04/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         55000.00 XX Primary Refinance CashOut_Other   198150
SAIF202621488     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalCURiskOverallScore 04/24/2026 05/29/2026 Cleared -Trailing Doc D A Valuation Documentation   The file contains a 1004 Appraisal but is missing the UCDP reports to confirm the CU Score and Rep and Warrant Relief Eligibility. 05/15/2026: Seller Response: SSR's Uploaded. Document uploaded on OD portal    05/15/2026: OD Reply: The SSR's are not in the file as of 05/15. Please re-upload the documents to the OD Portal. 05/29/2026: provided trailing     55000.00 XX Primary Refinance CashOut_Other   198284
SAIF202621488     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/27/2026 06/11/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $165 to $865. A Valid CoC or cure of $700 is required. 05/15/2026: Seller Response: Valid COC change. as appraisal fees were increaed and revised LE was sent in time. COC saved and uploaded.. Document uploaded on OD portal    05/15/2026: OD Reply: A CoC was not located in the file as of 05/15. Please re-upload the CoC to the OD Portal.    05/19/2026: No CoC provided as of 05/19    05/29/2026: Seller reply:  refund pending    06/11/2026: PCCD and proof of refund to cure violation provided.       55000.00 XX Primary Refinance CashOut_Other   198315
SAIF202621376     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/15/2026 04/16/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         60000.00 XX Primary Refinance Debt_Consolidation   196878
SAIF202621376     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/15/2026 04/16/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.043% APR exceeds the 9.520% threshold to qualify for a safe harbor.         60000.00 XX Primary Refinance Debt_Consolidation   196879
SAIF202621376     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/15/2026 04/15/2026 Waived B B Compliance State Violation   This loan failed the TX prohibited fees test by $47.  Fees included in the test:  Title Certification Fee paid by the Lender - $47.  ***Per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Title Certification Fee paid by the lender, would result in no violation.  Waived.***         60000.00 XX Primary Refinance Debt_Consolidation   196880
SAIF202621305     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/09/2026 04/14/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test / CA AB 260 higher-priced mortgage loan test.         70000.00 XX Primary Refinance CashOut_Other   196395
SAIF202621305     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/09/2026 04/14/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.503% APR exceeds the 9.200% threshold to qualify for a safe harbor.         70000.00 XX Primary Refinance CashOut_Other   196396
SAIF202621305     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 04/09/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008.   04/28/2026: Provided in trailing     70000.00 XX Primary Refinance CashOut_Other   196347
SAIF202621305     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/09/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/28/2026: MHELP provided in trailing docs     70000.00 XX Primary Refinance CashOut_Other   196349
SAIF202621305     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerExecutedProperly 04/09/2026 04/28/2026 Cleared -Trailing Doc D A Compliance Documentation   Notice of RIGHT TO CANCEL for both borowers not provided in flle   04/28/2026: Provided in trailing     70000.00 XX Primary Refinance CashOut_Other   196352
SAIF202621305     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/09/2026 04/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $266 to $703.50. Valid COC or cure of $437.50 required.   04/28/2026: CoC provided in trailing     70000.00 XX Primary Refinance CashOut_Other   196394
SAIF202621208     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/15/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/30/2026: MHELP provided     75000.00 XX Primary Refinance CashOut_Other   196857
SAIF202621208     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 04/15/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 2024 W2 for the Borrower. The loan file only contains the 2025 for Borrower and XXXX guidelines require the prior 2 years W2s.   04/30/2026: Provided in trailing     75000.00 XX Primary Refinance CashOut_Other   196907
SAIF202621173     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 05/04/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         63000.00 XX Primary Refinance Debt_Consolidation   198994
SAIF202621173     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/29/2026 06/01/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $791 to $1064.70 and the Condo Questionnaire fee increased from $450 to $639.90. Lender provided a $189.90 cure for tolerance violation on the final CD, however it is insufficient to cure the total tolerance violation. Valid CoC or additional cure of $463.60 required. 05/20/2026: CoC provided tied to the 3/18 LE. Re-ran compliance and loan still fails the 0% tolerance. The Loan Discount Fee increased from $1027 to $1064.70 and the Condo Questionnaire Fee increased from $450 to $639.90. Total violation is $227.60. The final CD reflects a tolerance cure of $189.90, however it is insufficient to cure the total violation. Valid COC or additional cure of $37.70 required. 06/01/2026: CoC provided in trailing docs.     63000.00 XX Primary Refinance Debt_Consolidation   198999
SAIF202621175     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/02/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/16/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   193605
SAIF202621175     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/02/2026 04/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $628 to $690. A Valid CoC or additional cure of $62 is required.   04/16/2026: CoC provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   193613
SAIF202621175     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 04/03/2026 04/16/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Right to Cancel.   04/16/2026: RTC provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   193662
SAIF202621360     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/23/2026 05/19/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclousre Delivery  Date Test.  The file contains only 1 Loan Estimated dated 03/09/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 03/10/2026 but the next disclosure is a CD dated 04/08/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 05/15/2026: Seller Response: Valid COC change as initial Lock LE was sent on 0311. COC saved and uploaded. Document uploaded on OD portal    05/15/2026: OD Reply: The Initial LE (not locked) issued on 03/09/2026 and received by the Borrowers on 03/09/2026 was re-uploaded and is the only LE located in the file. Lock information in file reflects the loan was locked on 03/10/2026. Please upload the revised (locked) LE to the OD Portal. 05/19/2026: LE provided in trailing docs     55000.00 XX Primary Refinance Debt_Consolidation   197936
SAIF202621307     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/15/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     50000.00 XX Primary Refinance CashOut_Other   196877
SAIF202621529     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/12/2026 06/12/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,337.15 exceed the threshold of $4,139.00.         110500.00 XX Primary Refinance Debt_Consolidation   206043
SAIF202622014     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/19/2026 05/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report reflecting a loan amount of $50,000, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document reflecting the final loan amount of $60,000, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         60000.00 XX Primary Refinance CashOut_Other   202621
SAIF202622014     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/20/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $565 to $594, the Loan Origination Fee increased from $1000 to $1200, the Appraisal Fee increased from $0 to $1055 and the Man. Home Label Verification Fee increased from $0 to $175.00. Total violation is $1459. The post closing CD reflects a tolerance cure of $1055, however,  the cure is insufficient for the total violation. Additional cure of $404 to clear total violation or CoC required. 06/11/2026: CoCs provided in trailing docs.       60000.00 XX Primary Refinance CashOut_Other   202627
SAIF202621600     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/10/2026 06/10/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $13,002.50 exceed the threshold of $10,090.87         350000.00 XX Primary Refinance Debt_Consolidation   205615
SAIF202621600     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/10/2026 06/17/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $1592 to $1836.  Total violation is $84.80. The final CD reflects a tolerance cure of $135.25, however, the loan fails the 0% tolerance, 10% tolerance and lender credits that cannot decrease tests for a combined total of $7032.30, therefore the cure is insufficient. Additional cure of $6897.05 to clear total violation or CoC required. 06/17/2026: Seller response:  In process    06/17/2026: CoCs and CD provided in trailing docs, exception cleared       350000.00 XX Primary Refinance Debt_Consolidation   205623
SAIF202621600     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/10/2026 06/17/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $945 to $0.  Total violation is $945. The final CD reflects a tolerance cure of $135.25, however, the loan fails the 0% tolerance, 10% tolerance and lender credits that cannot decrease tests for a combined total of $7032.30, therefore the cure is insufficient. Additional cure of $6897.05 to clear total violation or CoC required. 06/17/2026: Seller response:  In process    06/17/2026: CoCs and CD provided in trailing docs, exception cleared       350000.00 XX Primary Refinance Debt_Consolidation   205637
SAIF202621600     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/10/2026 06/17/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $6,002.50. Total violation is $6002.50. The final CD reflects a tolerance cure of $135.25, however, the loan fails the 0% tolerance, 10% tolerance and lender credits that cannot decrease tests for a combined total of $7032.30, therefore the cure is insufficient. Additional cure of $6897.05 to clear total violation or CoC required. 06/17/2026: CoCs and CD provided in trailing doc, exception cleared.       350000.00 XX Primary Refinance Debt_Consolidation   205638
SAIF202621600     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance CreditReportFlowOtherPropBefClos 06/10/2026 06/17/2026 Cleared -Trailing Doc D A Credit Documentation   Missing HOA assessment information for the Borrowers' second home. 06/17/2026: provided trailing       350000.00 XX Primary Refinance Debt_Consolidation   205664
SAIF202621600     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 06/08/2026 06/17/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the Appraisal. Per the docs in file and the final CD that reflects the customer paid for an appraisal, a full 1004 appraisal was completed. 06/17/2026: provided trailing       350000.00 XX Primary Refinance Debt_Consolidation   205221
SAIF202621226     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/27/2026 04/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         65000.00 XX Primary Refinance Debt_Consolidation   198393
SAIF202621226     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance 1008_Present 04/29/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   05/01/2026: Provided in trailing docs.     65000.00 XX Primary Refinance Debt_Consolidation   198791
SAIF202621226     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 04/27/2026 05/15/2026 Cleared -Trailing Doc D A Credit Income   Missing the previous 2 years W-2s from the file as required by guidelines.   05/15/2026: Provided in trailing docs.     65000.00 XX Primary Refinance Debt_Consolidation   198390
SAIF202621226     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalOrigAppraisedValue 04/27/2026 05/15/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the Desktop Valuation and any other property valuation reports used for qualification. The file only contained the Desktop Valuation invoice and evidence of  delivery to the borrower.   05/15/2026: Provided in trailing docs.     65000.00 XX Primary Refinance Debt_Consolidation   198391
SAIF202622173     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/15/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,579 to $1,872.50 and the Appraisal Fee increased from $0 to $605. Valid CoC or cure of $898.50 is required. 06/26/2026: CoCs provided in trailing docs.       70000.00 XX Primary Refinance CashOut_Other   206276
SAIF202621449     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/28/2026 04/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         70500.00 XX Primary Refinance Debt_Consolidation   198558
SAIF202621449     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/28/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 04/16/2026 and the closing date was 04/17/2026 which is less than 3 days.   05/15/2026: CDs were provided in trailing docs.     70500.00 XX Primary Refinance Debt_Consolidation   198585
SAIF202621449     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/28/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $559 to $620.40 and the Loan Origination Fee increased from $1270 to $1410. Valid CoC or cure of $201.40 required.   05/15/2026: CoC was provided in trailing docs.     70500.00 XX Primary Refinance Debt_Consolidation   198586
SAIF202621224     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalMoHOAFees 04/09/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   This file is missing the HOA assessment  documentation. Per the 1008 there is monthly HOA fee of $62.17.   04/30/2026: Provided     69800.00 XX Primary Refinance Debt_Consolidation   196392
SAIF202621224     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 04/10/2026 04/30/2026 Cleared -Trailing Doc D A Valuation Documentation   This file is missing a Valuation Report for the subject property. The loan file contained an AVM for a property that was not for the subject property.   04/30/2026: provided     69800.00 XX Primary Refinance Debt_Consolidation   196463
SAIF202621224     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance CreditReportNotes 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Fraud Report.   04/30/2026: provided     69800.00 XX Primary Refinance Debt_Consolidation   196660
SAIF202621272     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 04/14/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     156000.00 XX Primary Refinance CashOut_Other   196798
SAIF202621272     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 04/14/2026 04/16/2026 Waived B B Valuation Value   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 4.5 is greater than 2.5 and is not R&W Eligible.  Full appraisal in file, Non-material, Waived per client directive.         156000.00 XX Primary Refinance CashOut_Other   196821
SAIF202621209     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/15/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/28/2026: MHELP provided in trailing docs     75000.00 XX Primary Refinance Debt_Consolidation   196961
SAIF202621209     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance 1008_Present 04/15/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file. The file contains a 1008 that belongs to a different borrower and property.   04/28/2026: Provided in trailing     75000.00 XX Primary Refinance Debt_Consolidation   196966
SAIF202621209     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ApplicationDate 04/15/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   The initial 1003 is missing from the file. The initial 1003 in file belongs to a different borrower and property. 04/28/2026: Seller reply:  Document upload pending 05/14/2026: provided trailing     75000.00 XX Primary Refinance Debt_Consolidation   196967
SAIF202621209     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalNotes 04/16/2026 04/28/2026 Cleared -Trailing Doc D A Valuation Documentation   Since the file is missing the 1008, review is unable to determine the actual LTV lender used to qualify and per the Final CD the appraised property value was $771,600.   The file only contained 1 AVM with a value of $776,842 which results in a LTV/CLTV discrepancy. Please provide all property valuations used for qualification.   04/28/2026: 1008 provided in trailing docs confirming lender used value of $771,600 to approve the loan which is lower than the AVM estimated value.  Non-material.    04/28/2026: Seller reply:  AVM in file shows higher estimated value and system reflects low value, Hence UW applied conservative judgment when selecting a qualifying property value. The qualifying property value used for underwriting, LTV/CLTV calculation, system records, and the Final Closing Disclosure was $771,600. This value was applied consistently throughout the loan file, and all credit and collateral determinations are based solely on this amount. The presence of an AVM value in the file does not indicate that multiple values were used for qualification. There is no LTV/CLTV discrepancy, as only one property value ($771,600) was used to qualify the loan and to support disclosures.     75000.00 XX Primary Refinance Debt_Consolidation   197070
SAIF202621207     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/09/2026 04/27/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     60000.00 XX Primary Refinance Debt_Consolidation   196402
SAIF202621207     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/09/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing 1008 from the file.   04/29/2026: Provided in trailing     60000.00 XX Primary Refinance Debt_Consolidation   196403
SAIF202621214     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/06/2026 04/16/2026 Cleared -Trailing Doc D A Compliance Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing   04/16/2026: MHELP provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   194921
SAIF202621292     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/13/2026 04/14/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         100000.00 XX Primary Refinance Debt_Consolidation   196738
SAIF202621292     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/13/2026 04/14/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.816% APR exceeds the 9.520% threshold to qualify for a safe harbor.         100000.00 XX Primary Refinance Debt_Consolidation   196741
SAIF202621292     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomesteadPropertyIndicator 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the TX Acknowledgement of Fair Market Value document.   04/30/2026: provided     100000.00 XX Primary Refinance Debt_Consolidation   196744
SAIF202621292     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains only one CD dated that was issued 04/01/2026 and the closing date was 04/02/2026 which is less than 3 days.   04/30/2026: iCD provided in trailing     100000.00 XX Primary Refinance Debt_Consolidation   196740
SAIF202621292     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information form for the Borrower.   04/30/2026: provided     100000.00 XX Primary Refinance Debt_Consolidation   196661
SAIF202621292     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information form for the Co-Borrower.   04/30/2026: provided     100000.00 XX Primary Refinance Debt_Consolidation   196662
SAIF202621292     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Right to Cancel for the Borrower.   04/30/2026: provided     100000.00 XX Primary Refinance Debt_Consolidation   196709
SAIF202621292     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Borrower's 4506-C.   04/30/2026: Provided     100000.00 XX Primary Refinance Debt_Consolidation   196711
SAIF202621292     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Co-Borrower's 4506-C.   04/30/2026: provided     100000.00 XX Primary Refinance Debt_Consolidation   196712
SAIF202621292     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Right to Cancel for the Co-Borrower.   04/30/2026: provided     100000.00 XX Primary Refinance Debt_Consolidation   196731
SAIF202621292     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Service_Provider_List_DocExist 04/13/2026 04/30/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List.   04/30/2026: Provided     100000.00 XX Primary Refinance Debt_Consolidation   196734
SAIF202621231     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/01/2026 04/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing page 1 of the 4506-C for the Borrower.   04/16/2026: Provided in trailing docs     100000.00 XX Primary Refinance CashOut_Other   193309
SAIF202621231     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/01/2026 04/16/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $80 to $205. Valid COC or cure of $125 required.   04/16/2026: CoC provided in trailing docs.     100000.00 XX Primary Refinance CashOut_Other   193333
SAIF202621231     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/01/2026 05/14/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $431 to $615.  Valid COC or cure of $140.90 required 04/16/2026: Seller reply:   Please re-review your fees, total charged do not exceed allowable charges Initial LE: CPL: $25.00 Limited Coverage: 150.00 Settlement Fee: $345.00 Recording: $61.00 Total Fees: $581.00 Total Allowable: 639.10 CD: CPL: $25.00 Limited Coverage: 150.00 Endorsements: $50.00 Settlement Fee: $345.00 Recording: $45.00 Total Fee: $615.00    04/16/2026: OD response:  The iLE reflects the fee listed in the appeal, however the CD dated 03/20/2026 reflects the Limited Coverage fee was dropped from the disclosure.  This action reset the baseline to $431.  When the following CD reintroduce the Limited Coverage fee and a new endorsement fee ($50) was added this resulted in total 10% fee of $615.  10% of the new allowable baseline is $43.10 added to the baseline of $431 = $474.10 allowable total 10% fees.  The difference is excess of $140.90 and required to be cured.  Finding remains.       04/30/2026: Seller reply:  Refund pending 05/14/2026: PCCD and evidence of cure provided     100000.00 XX Primary Refinance CashOut_Other   193335
SAIF202621466     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/15/2026 05/19/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document with the final loan amount of $52,500, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         52500.00 XX Primary Refinance CashOut_Other   202033
SAIF202621466     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerWOE 05/15/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a written verification of employment to validate 2 years of bonus income with average earning of $4146.89. Per the Income Calculation Worksheet in file the Lender used the average over 26.65 months to calculate the bonus income earnings.   06/02/2026: Provided in trailing docs.     52500.00 XX Primary Refinance CashOut_Other   202043
SAIF202621466     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/17/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $1,024 to $1,050. A Valid CoC or cure of $26 is required.   06/02/2026: CoC provided in the trailing docs.     52500.00 XX Primary Refinance CashOut_Other   202197
SAIF202621466     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/19/2026 05/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan. 06/18/2026: corrected exception grade 05/27/2026: Provided trailing     52500.00 XX Primary Refinance CashOut_Other   202452
SAIF202621466     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/19/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in the file was issued 05/9/2026 and the closing date was 05/10/2026, which is less than 3 days.   06/02/2026: Provided in trailing docs.     52500.00 XX Primary Refinance CashOut_Other   202455
SAIF202621546     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/23/2026 04/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   198006
SAIF202621546     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/24/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The following fees increased: Loan Discount Fee from $940 to $1,290 and the Appraisal Fee from $165 to $675. Total violation was $860. The lender provided a tolerance cure of $510 on the final CD however it is insufficient for total cure. Valid CoC or additional cure of $350 is required.   05/15/2026: CoC provided in trailing     50000.00 XX Primary Refinance CashOut_Other   198250
SAIF202621234     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/23/2026 04/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   197940
SAIF202621234     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclousre Delivery  Date Test.  The file contains only 1 Loan Estimated dated 03/12/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 03/12/2026 but the next disclosure is a CD dated 04/08/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock.   05/15/2026: Revised LE provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   197942
SAIF202621234     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stMortgage_Status 04/24/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Exhibit A "Legal Description" from the Mortgage.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198159
SAIF202621234     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RatiosTotalIncomeBackDTI1 04/24/2026 05/15/2026 Cleared -Trailing Doc D A Credit DTI   Review DTI of 43.310%/45.176 is greater than lender DTI of 21.123%/22.032% as reflected on the 1008 in file. Discrepancy is due to missing Borrower income documentation. DTI will be recalculated upon receipt of documentation.   05/15/2026: Cleared with receipt of B1 income docs in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198163
SAIF202621234     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerOtherIncome 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Credit Income   Missing the Social Security and Retirement income documentation for the Borrower.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   197939
SAIF202621682     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/01/2026 06/01/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test. Lender Credit decreased from $3775 to $2165. Valid Change of Circumstance or Cure of $1610. 05/21/2026: seller reply:  In progress 06/01/2026: CoC provided in trailing docs.     100000.00 XX Primary Refinance CashOut_Other   199244
SAIF202621232     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/13/2026 04/14/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         88500.00 XX Primary Refinance Debt_Consolidation   196664
SAIF202621232     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/13/2026 04/14/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.538% APR exceeds the 9.200% threshold to qualify for a safe harbor.         88500.00 XX Primary Refinance Debt_Consolidation   196665
SAIF202621232     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/14/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the file.   04/28/2026: Provided in trailing docs     88500.00 XX Primary Refinance Debt_Consolidation   196780
SAIF202621232     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 04/10/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information Form.   04/28/2026: Provided in trailing docs     88500.00 XX Primary Refinance Debt_Consolidation   196536
SAIF202621232     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/13/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy with the final loan amount of $88,500 per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report for a loan amount of $73,000, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/28/2026: MHELP provided in trailing docs     88500.00 XX Primary Refinance Debt_Consolidation   196623
SAIF202621232     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/13/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C.   04/28/2026: Provided in trailing docs     88500.00 XX Primary Refinance Debt_Consolidation   196625
SAIF202621232     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 04/13/2026 04/28/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Right to Cancel for the Borrower.   04/28/2026: Provided in trailing docs     88500.00 XX Primary Refinance Debt_Consolidation   196626
SAIF202621232     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelNonBorrowingTitleHolderName 04/13/2026 04/28/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Right to Cancel for the Non-Borrowing Title Holder.   04/28/2026: Provided in trailing docs     88500.00 XX Primary Refinance Debt_Consolidation   196627
SAIF202621232     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/13/2026 04/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1646 to $1973.55 and the Loan Origination Fee increased from $1460 to $1770. Valid COC or cure of $637.55 required.   04/28/2026: CD and CoCs provided in trailing docs     88500.00 XX Primary Refinance Debt_Consolidation   196663
SAIF202621235     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 05/04/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report with a loan amount  of $89,900, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document reflecting the final loan amount of $90,100, is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         90100.00 XX Primary Refinance Debt_Consolidation   198857
SAIF202621235     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/29/2026 05/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Transfer Taxes increased from $270 to $271.50. A Valid CoC or cure of $1.50 is required.   05/20/2026: CoC provided in trailing docs.     90100.00 XX Primary Refinance Debt_Consolidation   198973
SAIF202621235     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditHistoryFraudReportRedFlags 04/30/2026 05/20/2026 Cleared -Trailing Doc D A Credit Documentation   The fraud alert on the fraud report in file was not addressed/cleared by the Lender.  There is no evidence the lender addressed the possible undisclosed property with possible mortgage reflected on the fraud report.   05/20/2026: Property profile report provided in trailing docs to clear fraud risk.     90100.00 XX Primary Refinance Debt_Consolidation   199130
SAIF202621235     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalCLTV 04/30/2026 05/20/2026 Cleared -Trailing Doc C A Credit Guidelines   Review CLTV of 85.026% exceeds the max CLTV of 85% per the XXXX guidelines. Review based the CLTV on the loan amount of $90,100.00, UPB of the 1st lien of $362,818.33 as listed on the mortgage statements and credit reports in the file and the AVM value of $532,684.   05/20/2026: Updated mortgage statement used by Lender to qualify was provided in trailing docs.     90100.00 XX Primary Refinance Debt_Consolidation   199133
SAIF202621365     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/01/2026 05/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         55000.00 XX Primary Refinance Debt_Consolidation   199294
SAIF202621248     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance CT22_FloodCert_Status 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Flood Certificate from the file.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   197725
SAIF202621248     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalOrigAppraisedValue 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the AVM and/or other Valuation Models used to qualify. The AVM provided in the file belongs to a different loan/borrower/property.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198002
SAIF202621238     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/14/2026 04/15/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $8,449 exceed the threshold of $5,110.01.         180000.00 XX Primary Refinance CashOut_Other   196796
SAIF202621238     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/14/2026 04/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $4,824 to $5,499. Valid CoC or additional cure of $675 is required.   04/28/2026: CoC provided in trailing docs     180000.00 XX Primary Refinance CashOut_Other   196797
SAIF202621238     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/14/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file.   04/28/2026: Provided in trailing     180000.00 XX Primary Refinance CashOut_Other   196814
SAIF202621238     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance RatiosTotalIncomeBackDTI3 04/14/2026 04/28/2026 Cleared -Trailing Doc C A Credit DTI   Review DTI of 57.62% is greater than the maximum DTI permitted of 50% per XXXX guidelines. The loan file is missing the 1008 therefore OD is unable to determine what DTI the Lender utilized for qualification. The file contains an XXXX statement with the non-borrowing spouse showing as the account holder with a monthly payment of $3302, which is also reflected in the Borrower's credit report pulled on 03/24/2026; however, the account number information doesn't match. If the Lender excluded the monthly XXXX debt in the amount of $3302, documentation to support that the Borrower is not responsible for the monthly payment is required.   04/28/2026: Evidence provided debt does not belong to the borrower.     180000.00 XX Primary Refinance CashOut_Other   196815
SAIF202621238     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/14/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/28/2026: MHELP provided in trailing docs     180000.00 XX Primary Refinance CashOut_Other   196781
SAIF202621238     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/14/2026 04/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C from the loan file.   04/28/2026: Provided in trailing docs     180000.00 XX Primary Refinance CashOut_Other   196782
SAIF202621241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalNotes 05/11/2026 06/02/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing a property valuation. The AVM in the file belongs to a different borrower and property.   06/02/2026: AVM provided in trailing docs.     80600.00 XX Primary Refinance CashOut_Other   200916
SAIF202621241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ApplicationDocStatus 05/12/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 Loan Application. The Initial 1003 in the file belongs to a different borrower and property.   06/02/2026: Provided in trailing docs.     80600.00 XX Primary Refinance CashOut_Other   201174
SAIF202621241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 05/12/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing paystubs or written Truework VOIE as required by guidelines.  The file only contains W2s and the lenders income worksheet.   06/02/2026: Provided in trailing docs.     80600.00 XX Primary Refinance CashOut_Other   201179
SAIF202621241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance 1008_Present 05/12/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     80600.00 XX Primary Refinance CashOut_Other   201192
SAIF202621245     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/11/2026 04/27/2026 Waived C B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees included of $2,599.49 exceed threshold of $1,500 by $1,099.49.  Fees included in testing:  CPL $60, Flood Cert $6, Loan Origination $1000, Discount Pts $952.50, Prepaid Int $255.99 and Settlement Fee $325. Per client instruction this can be waived if exclusion of any lender paid fees would result in total prepaid fees equally 3% or less.  Exclusion of the lender paid Loan Origination fee results in total prepaid fees of $1,599.49 which exceeds the 3% allowable by $99.49.  Cure of $99.49 required.   04/27/2026: Downgrade and waive per client instruction 01/19/2026 on this finding     50000.00 XX Primary Refinance CashOut_Other   196590
SAIF202621245     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportNotes 04/13/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Fraud Report. The Fraud Report in file belongs to a different borrower.   04/29/2026: Provided in trailing     50000.00 XX Primary Refinance CashOut_Other   196671
SAIF202621245     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/14/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008. The 1008 provided in the file belongs to a different borrower and property.   04/29/2026: Provided in trailing     50000.00 XX Primary Refinance CashOut_Other   196845
SAIF202621245     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/10/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial Loan Application for the Borrower.   04/29/2026: Provided in trailing     50000.00 XX Primary Refinance CashOut_Other   196525
SAIF202621245     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/10/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial Loan Application for the Co-Borrower.   04/29/2026: Provided in trailing     50000.00 XX Primary Refinance CashOut_Other   196526
SAIF202621245     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/11/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELP provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   196589
SAIF202621314     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/14/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/30/2026: Mhelp provided     65000.00 XX Primary Refinance Debt_Consolidation   196825
SAIF202621314     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/15/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file.   04/30/2026: 1008 provided     65000.00 XX Primary Refinance Debt_Consolidation   196926
SAIF202621299     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/22/2026 04/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         100000.00 XX Primary Refinance Debt_Consolidation   197746
SAIF202621299     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_FloodCert_Status 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Flood Certification from the file. The Flood Certification in file belongs to a different loan/borrower/property.   05/15/2026: Provided in trailing docs.     100000.00 XX Primary Refinance Debt_Consolidation   197747
SAIF202621299     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/23/2026 06/11/2026 Cured D B Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $2155 to $2115.  Valid Change of Circumstance or Cure of $40 required. 05/15/2026: Seller Response: Emailed Closing it looks like there was there was a rate ext after docs sent     05/29/2026: Seller reply:  Refund pending    06/11/2026: PCCD and Proof of Refund provided to cure failure.       100000.00 XX Primary Refinance Debt_Consolidation   198001
SAIF202621294     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/22/2026 04/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         106000.00 XX Primary Refinance CashOut_Other   197814
SAIF202621294     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount points increased from $747to $2120. Valid CoC or cure of $1373 required.   05/15/2026: CoC provided in trailing docs.     106000.00 XX Primary Refinance CashOut_Other   197759
SAIF202621483     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/21/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     100000.00 XX Primary Refinance Debt_Consolidation   197599
SAIF202621483     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/21/2026 04/21/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4355 exceed the threshold of $4139.         100000.00 XX Primary Refinance Debt_Consolidation   197633
SAIF202621483     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/21/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   05/14/2026: 1008 provided in trailing docs.     100000.00 XX Primary Refinance Debt_Consolidation   197614
SAIF202621246     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/15/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the loan file.   04/29/2026: Provided in trailing     105000.00 XX Primary Refinance CashOut_Other   196876
SAIF202621246     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/15/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELP provided in trailing     105000.00 XX Primary Refinance CashOut_Other   196881
SAIF202621298     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/17/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     101000.00 XX Primary Refinance CashOut_Other   197187
SAIF202621298     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/17/2026 04/22/2026 Waived C B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees included of $5461 exceed threshold of $3030 by $2431.  Borrower paid fees included in testing:  CPL $60, Flood Cert $6, Origination Fee $2020,  Discount Pts $2706.80, Prepaid Interest $343.20 and Settlement Fee $325. There were no Lender paid fees included in testing.   04/22/2026: Downgrade and waive per client instruction 01/19/2026     101000.00 XX Primary Refinance CashOut_Other   197196
SAIF202621298     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/17/2026 04/22/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4726.80 exceed the threshold of $4139.         101000.00 XX Primary Refinance CashOut_Other   197293
SAIF202621298     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan failed the IN HLPA High-Cost Home Loan Points and Fees Threshold Test. Total points and fees of $5177.80 exceeds threshold limit of $5050 by  $67.80.   05/14/2026: Product and Pricing provided in trailing for bona fide discount points     101000.00 XX Primary Refinance CashOut_Other   197298
SAIF202621298     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerBaseIncome 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Credit Income   Missing evidence of overtime income for the prior 2 years. Per the Income Calculation Worksheet in file, a written verification of income was obtained, but was not located in the file.   05/14/2026: WVOI provided in trailing docs.     101000.00 XX Primary Refinance CashOut_Other   197188
SAIF202621298     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the file.   05/14/2026: Provided in trailing docs.     101000.00 XX Primary Refinance CashOut_Other   197190
SAIF202621298     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 04/09/2026 and the closing date was 04/10/2026 which is less than 3 days. The other CDs in file belong to a different borrower/property.   05/14/2026: Initial CD provided in trailing docs.     101000.00 XX Primary Refinance CashOut_Other   197191
SAIF202621298     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclousre Delivery  Date Test.  The file contains only 1 Loan Estimate dated 03/16/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 03/16/206 but the next disclosure is a CD dated 04/09/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock.   05/14/2026: Revised LE provided in trailing docs.     101000.00 XX Primary Refinance CashOut_Other   197192
SAIF202621298     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount points increased from $2076 to $2706.80. Valid COC or cure of $630.80 required.   05/14/2026: CoC provided in trailing docs.     101000.00 XX Primary Refinance CashOut_Other   197194
SAIF202621275     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/18/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   201438
SAIF202621275     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/15/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $1,280.00  to $ 0.00.  Valid Change of Circumstance or Cure of $1,280.00.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   201915
SAIF202621275     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/15/2026 06/26/2026 Cured D B Compliance State Violation   The loan fails the Ohio Discount Fee Test.  The total points of $1,050.00 exceed the 2% threshold by $50.00. 06/02/2026: Seller Response: Refund Pending     06/11/2026: Seller Response: Refund Pending    06/17/2026: Seller Response: Refund Pending    06/26/2026: PCCD and proof of reimbursement provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   201939
SAIF202621330     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/22/2026 05/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $165. A Valid CoC or cure of $165 is required. 05/15/2026: Seller Response: Valid COC as revised LE was sent on 03/20. COC saved and uploaded. Document uploaded on OD portal    05/15/2026: OD Reply: Revised LE is not in the file as of 05/15. Please re-upload to the OD Portal. 05/29/2026: provided in trailing     50000.00 XX Primary Refinance CashOut_Other   197880
SAIF202621330     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/23/2026 05/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimated dated 03/162026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 03/19/2026 but the next disclosure is a CD dated 04/10/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 05/15/2026: Valid COC as Lock LE was sent on 0320. COC saved and uploaded.. Document uploaded on OD portal    05/15/2026: OD  Reply: Revised LE with Rate Lock is not in the file as of 05/15. Please re-upload to the OD Portal.    05/19/2026: CoCs were uploaded but not the referenced 03/20 LE. 05/29/2026: provided in trailing     50000.00 XX Primary Refinance CashOut_Other   197966
SAIF202621293     C - Material Exception A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance 1008_Present 04/14/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the loan file. The two 1008s in the file belong to other borrowers and properties.   04/30/2026: 1008 provided     55000.00 XX Primary Refinance CashOut_Other   196799
SAIF202621293     C - Material Exception A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/15/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/30/2026: MHELP provided     55000.00 XX Primary Refinance CashOut_Other   196851
SAIF202621293     C - Material Exception A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance AppraisalValueUsedLenderLTV 04/15/2026 04/22/2026 Rescinded C A Valuation Value   Most Recent Desk Review  Appraisal Type dated 03/18/2026 value has a variance of 17.4395% from the AVM dated 03/16/2025 which is greater than the 10% variance permitted for securitization grade A or B.  Per client directive, please provide a 2055 appraisal.   04/22/2026: Client rescinds finding     55000.00 XX Primary Refinance CashOut_Other   196850
SAIF202621521     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/23/2026 04/23/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         90000.00 XX Primary Refinance CashOut_Other   197943
SAIF202621435     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/14/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         105000.00 XX Primary Refinance Debt_Consolidation   201416
SAIF202621435     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerWOE 05/14/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a written verification of income to validate the bonus income of $312.50 used to qualify and 2 years of bonus income history.   06/02/2026: Provided in trailing docs.     105000.00 XX Primary Refinance Debt_Consolidation   201622
SAIF202621648     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 05/01/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   198991
SAIF202621648     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/29/2026 05/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal fee increased from $165 to $645. Valid COC or cure of $480 required.   05/20/2026: CoC provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198993
SAIF202621648     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/29/2026 06/11/2026 Cured D B Compliance TRID   This loan failed the lender credits that cannot decrease test. Lender Credit decreased from $125 to $ 0.  Valid Change of Circumstance or Cure of $125 required. 05/20/2026: Seller Response: 3/17 General LC applied  for $125 4/20 General LC removed but $125 paid by lender applied to Recording Fee 4/22 COC states "lender credit change" both General and paid by lender removed.  unable to locate any notes on why General Lender Credit of $125 was ever applied.  Refund due $125    06/01/2026: Seller Response: Refund Pending     06/11/2026: PCCD and proof of refund to borrower provided.       50000.00 XX Primary Refinance CashOut_Other   198992
SAIF202621824     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/28/2026 05/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   203845
SAIF202621824     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/29/2026 05/29/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         50000.00 XX Primary Refinance Debt_Consolidation   204042
SAIF202621824     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/29/2026 05/29/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.878 % APR exceeds the 9.450 % threshold to qualify for a safe harbor.         50000.00 XX Primary Refinance Debt_Consolidation   204043
SAIF202621824     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/29/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $63 to $375. A Valid CoC or cure of $312 is required. 06/11/2026: CoC provided       50000.00 XX Primary Refinance Debt_Consolidation   203955
SAIF202621313     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 04/23/2026 04/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         208000.00 XX Primary Refinance Debt_Consolidation   197999
SAIF202621313     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 04/24/2026 04/24/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.6 and is not R&W Eligible.****Full appraisal in file, Non-material, Waived per client directive.****         208000.00 XX Primary Refinance Debt_Consolidation   198201
SAIF202621313     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var 1008_Present 04/24/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  The 1008 in file belongs to a different borrower and property.  Review unable to validate the ratios used to qualify the loan.   05/15/2026: Provided in trailing docs.     208000.00 XX Primary Refinance Debt_Consolidation   198199
SAIF202621313     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseStateRegsResult 04/24/2026 04/24/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ****Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         208000.00 XX Primary Refinance Debt_Consolidation   198200
SAIF202621749     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 05/15/2026 05/19/2026 Waived B B Valuation Documentation   Full appraisal in file.  Loan has a CU Score of 5 and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive.         152000.00 XX Primary Refinance CashOut_Other   201873
SAIF202621749     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 05/15/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $790.40  to $729.60.  Valid Change of Circumstance or Cure of $60.80 is required.   06/02/2026: CoC provided in trailing docs.     152000.00 XX Primary Refinance CashOut_Other   201899
SAIF202621749     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 05/15/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test. The initial Loan Estimate dated 3/18/2026 reflects the rate was not locked.  The next LE is dated 4/2/2026 . The file contains pricing documentation reflecting the rate was locked on 03/25. There is no LE dated within 3 business days reflecting the lock on the 03/25.   06/02/2026: Provided in trailing docs.     152000.00 XX Primary Refinance CashOut_Other   201902
SAIF202621620     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/24/2026 06/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance CashOut_Other   207748
SAIF202621620     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/24/2026 07/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/15/2026: provided trailing       100000.00 XX Primary Refinance CashOut_Other   207756
SAIF202621425     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELP provided     55000.00 XX Primary Refinance Debt_Consolidation   197145
SAIF202621425     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerAwardOfferLetter 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Borrower's Social Security Award Letter.   04/29/2026: Provided in trailing     55000.00 XX Primary Refinance Debt_Consolidation   197147
SAIF202621425     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 from the file. The Initial 1003 in file belongs to a different borrower and property.   04/29/2026: Provided in trailing docs     55000.00 XX Primary Refinance Debt_Consolidation   197148
SAIF202621425     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/16/2026 04/30/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 04/8/2026 and the closing date was 04/09/2026, which is less than 3 days. The file contained additional CDs that belonged to different borrowers and properties.   04/30/2026: iCD provided     55000.00 XX Primary Refinance Debt_Consolidation   197150
SAIF202621425     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/17/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file. The 1008 in file belongs to a different borrower and property.   04/29/2026: Provided in trailing     55000.00 XX Primary Refinance Debt_Consolidation   197211
SAIF202621309     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/20/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     88700.00 XX Primary Refinance CashOut_Other   197486
SAIF202621309     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance 1008_Present 04/20/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file.  Review unable to validate LTV/CLTV used to qualify the loan.   05/14/2026: Provided in trailing docs.     88700.00 XX Primary Refinance CashOut_Other   197491
SAIF202621309     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance AppraisalNotes 04/20/2026 05/15/2026 Rescinded C A Valuation Value   The Desktop Valuation dated 03/18/2026 value has a variance of 20.3993% from the AVM dated 03/17/2026 which is greater than the 10% variance permitted for securitization grade A or B. Per client directive, please provide a 2055 appraisal.   05/15/2026: Desk Review in file, AVM not regarded, Client rescinds finding     88700.00 XX Primary Refinance CashOut_Other   197485
SAIF202621309     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions C - Value is not within 10% Var A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/20/2026 04/20/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. **** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         88700.00 XX Primary Refinance CashOut_Other   197489
SAIF202621383     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/08/2026 05/08/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   200572
SAIF202621383     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/08/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. . Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   200577
SAIF202621383     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/08/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount points increased from $1240 to $1280. Valid CoC or cure of $40 required.   06/02/2026: CoC provided     50000.00 XX Primary Refinance Debt_Consolidation   200579
SAIF202621377     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/28/2026 04/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   198708
SAIF202621377     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/28/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   The 4506T is missing from the file. 05/20/2026: Seller response: Condition is open to obtain 4506-T    06/01/2026: Seller Response: 4506C  is missing and requested from servicelink.    06/11/2026: Provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   198712
SAIF202621377     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditHistoryFraudReportAvailable 04/28/2026 05/20/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the Fraud Report.  The report in file belongs to a different borrower and property.   05/20/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   198714
SAIF202621311     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  The 1008 in file belongs to a different borrower and property.  Review unable to validate the ratios used to qualify the loan.   05/15/2026: Provided in trailing docs.     71000.00 XX Primary Refinance Debt_Consolidation   197918
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/22/2026 04/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         123500.00 XX Primary Refinance Debt_Consolidation   197783
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information Form for the Borrower from the file.   05/15/2026: Provided in trailing docs.     123500.00 XX Primary Refinance Debt_Consolidation   197886
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stNote_Status 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Subject Note is missing from the file.  Review utilized data points from miscellaneous docs in file in order to test compliance. Once provided, compliance will be retested based on the note.   05/15/2026: Provided in trailing docs.     123500.00 XX Primary Refinance Debt_Consolidation   197887
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Final 1003 for the Borrower from the file.   05/15/2026: Provided in trailing docs.     123500.00 XX Primary Refinance Debt_Consolidation   197888
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Final 1003 for the Co-Borrower from the file.   05/15/2026: Provided in trailing docs.     123500.00 XX Primary Refinance Debt_Consolidation   197889
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information Form for the Co-Borrower from the file.   05/15/2026: Provided in trailing docs.     123500.00 XX Primary Refinance Debt_Consolidation   197890
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stMortgage_Status 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Mortgage/Deed of Trust from the file.   05/15/2026: Provided in trailing docs.     123500.00 XX Primary Refinance Debt_Consolidation   197891
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Right to Cancel for the Borrower from the file.   05/15/2026: Provided in trailing docs.     123500.00 XX Primary Refinance Debt_Consolidation   197898
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 04/22/2026 05/19/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Right to Cancel for the Co-Borrower from the file.   05/19/2026: Provided trailing     123500.00 XX Primary Refinance Debt_Consolidation   197899
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C for the Borrower from the file.   05/15/2026: Provided in trailing docs.     123500.00 XX Primary Refinance Debt_Consolidation   197944
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C for the Co-Borrower from the file.   05/15/2026: Provided in trailing docs.     123500.00 XX Primary Refinance Debt_Consolidation   197945
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/24/2026 05/29/2026 Cleared -Trailing Doc D A Compliance Documentation   This loan failed the charges that cannot increase test. Discount Points fee increased from $889 to $1,395.55 and Loan Origination fee increased from $1,178 to $1,235. Valid CoC or cure of $563.55 required. 05/15/2026: Seller Response: In progress 05/29/2026: CoCs and CD provided in trailing     123500.00 XX Primary Refinance Debt_Consolidation   198202
SAIF202621247     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/24/2026 05/29/2026 Cleared -Trailing Doc D A Compliance Documentation   This loan failed the revised closing disclosure delivery date test (waiting period required).  The file is missing the Final CD. The file contains 2 CDs issued 04/06/2026 and 04/09/2026. Disclosure tracing summary reflects at least one other CD was disclosed after 04/09.  Please provide all other CDs and CoCs that were provided to the Borrower. Once provided, compliance will be retested. 05/15/2026: Seller Response: In progress 05/29/2026: CoCs and CD provided in trailing     123500.00 XX Primary Refinance Debt_Consolidation   198203
SAIF202621489     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/01/2026 05/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         105000.00 XX Primary Refinance Debt_Consolidation   199255
SAIF202621489     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/01/2026 05/05/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4756.50 exceed the threshold of $4139.         105000.00 XX Primary Refinance Debt_Consolidation   199261
SAIF202621489     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/01/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount points increased from $2525.25 to $2656.50, City County tax stamps increased from $0 to $4.56. Lender provided a $4.56 cure for tolerance violation on the final CD, however it is insufficient for total cure. Valid CoC or additional cure of $131.25 is required.   05/21/2026: CoC provided     105000.00 XX Primary Refinance Debt_Consolidation   199262
SAIF202621489     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance RatiosTotalIncomeBackDTI1 05/05/2026 05/21/2026 Cleared -Trailing Doc C A Credit DTI   DTI of 50.343% exceeds maximum of 50% permitted per guidelines. The lender used the monthly P&I of $2,928.26, per the 1008 based on earlier mortgage payment statement in file.  The most current mortgage loan statement reflects monthly P& I is $3,175.31.  Using the most current mortgage statement increases the borrowers DTI from lender qualifying 49.031% to 50.343% and exceeds guideline max allowable.   05/21/2026: Seller provided current mtg stmt in trailing reflecting 1st lien p&i of $2928.26     105000.00 XX Primary Refinance Debt_Consolidation   199804
SAIF202621489     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance FrozenAccount 05/05/2026 05/21/2026 Cleared -Trailing Doc D A Credit Guidelines   Per XXXX Guidelines, credit reports used to evaluate a mortgage loan may not have frozen credit. The most current credit report in file dated 4/15/2026, reflects the borrower has a security freeze with Experian and Transunion. The credit report reflects the only one score for the borrower and 3 scores for the co-borrower.  [Review notes that the file contains a credit score disclosure, dated 4/15/2026, reflecting the borrower with 3 scores, however there is no corresponding credit report reflecting unfrozen bureaus and those 3 scores.]   05/21/2026: Credit report reflecting 3 credit scores for each borrower provided in trailing docs.     105000.00 XX Primary Refinance Debt_Consolidation   199816
SAIF202621327     C - Material Exception B - Non-Material D - Missing docs A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/16/2026 04/22/2026 Waived C B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $3,081.22 exceed threshold of $1,890 by $1,191.22.  Borrower paid fees included in testing:  CPL $60, Flood Cert $6, Origination Fee $1,260,  Discount Pts $1,184.40, Prepaid Int $245.82 and Settlement Fee $325. There were no Lender paid fees included in testing.   04/22/2026: Downgrade and waive per client instruction 01/19/2026     63000.00 XX Primary Refinance CashOut_Other   197084
SAIF202621327     C - Material Exception B - Non-Material D - Missing docs A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 for the Co-Borrower from the file. The file contains other 1003 loan applications that belong to different borrowers and properties.   04/29/2026: Provided in trailing     63000.00 XX Primary Refinance CashOut_Other   197118
SAIF202621327     C - Material Exception B - Non-Material D - Missing docs A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file.   04/29/2026: Provided in trailing     63000.00 XX Primary Refinance CashOut_Other   197120
SAIF202621327     C - Material Exception B - Non-Material D - Missing docs A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file the was issued 04/07/2026 and the closing date was 04/09/2026 which is less than 3 days.   04/29/2026: iCD provided in trailing     63000.00 XX Primary Refinance CashOut_Other   197130
SAIF202621327     C - Material Exception B - Non-Material D - Missing docs A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 for the Borrower from the file. The file contains other 1003 loan applications that belong to different borrowers and properties.   04/29/2026: Provided in trailing     63000.00 XX Primary Refinance CashOut_Other   197074
SAIF202621327     C - Material Exception B - Non-Material D - Missing docs A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELP provided in trailing     63000.00 XX Primary Refinance CashOut_Other   197076
SAIF202621472     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/20/2026 05/21/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report with a loan amount of $215,000, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document reflecting the final loan amount of $226,000, is missing.  Per client, seller to provide MHELP w/in 90 days of closing.         226000.00 XX Primary Refinance CashOut_Other   202711
SAIF202621472     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/20/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $11 to $327 and the Loan Origination Fee increased from $4300 to $4,520. Valid CoC or cure of $536.70 is required. 06/11/2026: CoCs provided in trailing docs.       226000.00 XX Primary Refinance CashOut_Other   202868
SAIF202621472     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerBaseIncome 05/21/2026 06/18/2026 Cured D B Credit Documentation   Co-Borrower appears to be employed by a family member as his employer is XXXX. Guidelines state that if employed by a relative, the business accountant must verify that the Borrower is not self-employed by indicating his or her percentage of interest in the business. The accountant must be a disinterested third party. A letter from the business accountant was not located in the file. 06/11/2026: Seller Response: Remediation underway; awaiting documentation from Processing    06/18/2026: Provided trailing    06/18/2026: Provided trailing post close obtained, cured.       226000.00 XX Primary Refinance CashOut_Other   202948
SAIF202621398     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/15/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing 4506-C for Borrower from the file.   04/30/2026: provided     50000.00 XX Primary Refinance CashOut_Other   196853
SAIF202621398     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/15/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file. The two 1008s provided in the file belong to different borrowers and properties.   04/30/2026: provided     50000.00 XX Primary Refinance CashOut_Other   196854
SAIF202621398     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/15/2026 04/30/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1940 to $2000. Valid COC or cure of $60 required.   04/30/2026: CoC provided     50000.00 XX Primary Refinance CashOut_Other   196856
SAIF202621398     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalMoHOAFees 04/15/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the HOA assessment documentation. Per the Final URLA Lender Loan Information documentation, the subject property has a $70.83/month HOA assessment. 04/30/2026: Seller reply:  Document upload pending 05/14/2026: Provided in trailing     50000.00 XX Primary Refinance CashOut_Other   196874
SAIF202621312     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/21/2026 04/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   197684
SAIF202621312     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/21/2026 04/22/2026 Waived B B Compliance State Violation   This loan failed the Virginia total loan and broker fees inclusion test. Total fees included of $3127.50 exceed threshold of $2347.73 by $779.77. Fees included in testing: Lender Paid Origination Fee $1000 and Borrower Paid Loan Discount fee $2127.50. ****Per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Origination Fee paid by the lender, would result in no violation.  Waived.         50000.00 XX Primary Refinance CashOut_Other   197699
SAIF202621312     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/21/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The Initial 1003 Loan Application is missing from the file.  File contains only the final.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   197685
SAIF202621312     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/21/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   197693
SAIF202621312     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/21/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,753 to $2,127.50. A Valid CoC or cure of $374.50 is required.   05/15/2026: CoC provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   197698
SAIF202621450     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/26/2026 04/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         163000.00 XX Primary Refinance Debt_Consolidation   198301
SAIF202621450     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 04/26/2026 04/28/2026 Waived B B Compliance State Violation   This loan failed the CT Nonprime Home Loan Test.         163000.00 XX Primary Refinance Debt_Consolidation   198305
SAIF202621450     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/28/2026 04/28/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         163000.00 XX Primary Refinance Debt_Consolidation   198621
SAIF202621450     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/28/2026 04/28/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.211% APR exceeds the 9.25% threshold to qualify for a safe harbor.         163000.00 XX Primary Refinance Debt_Consolidation   198624
SAIF202621450     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 04/26/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 04/16/2026 and the closing date was 04/19/2026 which is less than 3 days.   05/18/2026: provided in trailing docs     163000.00 XX Primary Refinance Debt_Consolidation   198302
SAIF202621450     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/26/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $1418.10 and the Loan Origination increased from $3120 to $3260. Valid COC or cure of $1558.10 required.   05/18/2026: CoC provided in trailing     163000.00 XX Primary Refinance Debt_Consolidation   198303
SAIF202621450     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/26/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $8.00 to $ 0.  Valid Change of Circumstance or Cure of $8.00 required.   05/18/2026: CoC provided in trailing     163000.00 XX Primary Refinance Debt_Consolidation   198304
SAIF202621328     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/18/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     60000.00 XX Primary Refinance Debt_Consolidation   197373
SAIF202621328     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/20/2026 04/20/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         60000.00 XX Primary Refinance Debt_Consolidation   197467
SAIF202621328     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/20/2026 04/20/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.690% APR exceeds the 9.250% threshold to qualify for a safe harbor.         60000.00 XX Primary Refinance Debt_Consolidation   197468
SAIF202621328     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/20/2026 05/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1149 to $1170. Valid COC or cure of $21 required.   05/14/2026: CoC provided in trailing docs.     60000.00 XX Primary Refinance Debt_Consolidation   197466
SAIF202621482     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/21/2026 04/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provided MHELP w/in 90 days of closing. Downgrade to non-material and waive.         140000.00 XX Primary Refinance CashOut_Other   197656
SAIF202621482     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/22/2026 05/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 04/10/2026 and the closing date was 04/13/2016 which is less than 3 days.  Please provide all CDs disclosed to the borrower.  Compliance will be retested upon receipt of all disclosed disclosures. 05/15/2026: Seller Response: valid change of COC as for COC 03/20 CD was sent on 0325, COC saved and uploaded.. Document uploaded on OD portal    05/15/2026: OD Reply: The 03/20 CD was not located in the file as of 05/15. Please re-upload. 05/29/2026: provided trailing     140000.00 XX Primary Refinance CashOut_Other   197755
SAIF202621482     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/22/2026 05/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimated dated 03/19/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 03/19 but the next disclosure is a CD dated 04/10/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 05/15/2026: Seller Reply: Valid change of COC as rate lock LE was sent on 0320. COC saved and uploaded.. Document uploaded on OD portal    05/15/2026: OD Response: The 03/20 LE with rate lock was not located in the OD Portal as of 05/15. Please re-upload. 05/29/2026: provided trailing     140000.00 XX Primary Refinance CashOut_Other   197756
SAIF202621361     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/27/2026 04/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         137500.00 XX Primary Refinance CashOut_Other   198525
SAIF202621361     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/28/2026 04/28/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.901% APR exceeds the 9.620% threshold to qualify for a safe harbor.         137500.00 XX Primary Refinance CashOut_Other   198647
SAIF202621361     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMQMStatus2 04/28/2026 04/28/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         137500.00 XX Primary Refinance CashOut_Other   198648
SAIF202621361     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/28/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $196 to $165.  Valid Change of Circumstance or Cure of $31 required.   05/18/2026: CoCs provided in trailing docs.     137500.00 XX Primary Refinance CashOut_Other   198649
SAIF202621619     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stNote_Status 04/29/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   Subject Note is missing from the file.  Review used data points from the last disclosed CD in file but unable to validate.  Compliance will be retested upon receipt of the note. 05/20/2026: Seller Response: Document available already in e-folder; Uploaded the doc again. Document uploaded on OD portal    05/20/2026: OD Reply: The Senior Lien Note was re-uploaded in trailing docs. The Subject Loan Note is not located in the file. Please re-upload the Subject Loan Note to the OD portal.    06/01/2026: Seller Response: Doc Uploaded on OD portal    06/01/2026: OD Reply: The Senior Lien (1st Lien) Note was re-uploaded in trailing docs. The Subject Loan Note is still missing from the file.    06/11/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   198763
SAIF202621619     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/29/2026 06/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Final 1003 from the file. 05/20/2026: Seller Response: 1003 is uploaded. Document uploaded on OD portal    05/20/2026: OD Reply: The final 1003 Loan Application for a different borrower / property / loan was uploaded in trailing docs. The file is still missing the Final 1003 Loan Application for the Subject Loan Borrower. 06/01/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198764
SAIF202621619     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 04/29/2026 06/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information form. 05/20/2026: Seller Response: Patriot Act Information Form for the Borrower is uploaded. Document uploaded on OD portal    05/20/2026: OD Reply: The Patriot Act Information form uploaded in trailing docs is for a different borrower / property / loan. The file is missing the Patriot Act Information form for the Subject Loan Borrower. 06/01/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198765
SAIF202621619     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stMortgage_Status 04/29/2026 06/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Deed of Trust/ Mortgage 05/20/2026: Seller Response: Mortgage uploaded. Document uploaded on OD portal    05/20/2026: OD Reply: The Deed of Trust/Mortgage that was uploaded in trailing docs is for a different borrower / property / loan. The file is missing the Deed of Trust/Mortgage for the Subject Borrower / Property / Loan. 06/01/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198766
SAIF202621619     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/29/2026 06/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing 4506-C from the file. 05/20/2026: Seller Response: Condition is open to obtain 4506-T 06/01/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198768
SAIF202621619     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 04/29/2026 06/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Notice of Right to Cancel from the file. 05/20/2026: Seller Response: Notice of Right to Cancel for the Borrower is uploaded. Document uploaded on OD portal    05/20/2026: OD Reply: The Notice of Right to Cancel uploaded in trailing docs is for a different borrower / property / loan. The file is missing the Notice of Right to Cancel for the Subject Borrower / Property / Loan.    05/21/2026: OD Reply: The Notice of Right to Cancel uploaded in trailing docs is for a different borrower / property / loan. The file is missing the Notice of Right to Cancel for the Subject Borrower / Property / Loan. 06/01/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198769
SAIF202621619     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_Status 04/29/2026 05/21/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing Final Closing Disclosure from the file.  File contains two CDs reflecting issued dates of 04/13/20026 and 04/21/2026.  The 04/21/2026 CD reflects a closing date of 04/22/2026.  There is no CD, signed at closing, in the file.   05/21/2026: Seller provided executed fCD in trailing docs     50000.00 XX Primary Refinance CashOut_Other   198772
SAIF202621619     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/29/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. City/County Tax Stamps increased from $0 to $0.70. Valid COC or cure of $0.70 required. 05/20/2026: Seller Response: In progress 06/02/2026: fCD provided in trailing, exception cleared.     50000.00 XX Primary Refinance CashOut_Other   198773
SAIF202621329     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/23/2026 04/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         100000.00 XX Primary Refinance Debt_Consolidation   197953
SAIF202621329     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/24/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrowers and properties. Review unable to validate the ratios used to qualify the loan.   05/15/2026: Provided in trailing docs.     100000.00 XX Primary Refinance Debt_Consolidation   198167
SAIF202621326     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/11/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/27/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELP provided in trailing     51000.00 XX Primary Refinance Debt_Consolidation   196587
SAIF202621326     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/11/2026 04/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $653 to $958.80. A Valid CoC or additional cure of $305.80 is required.   04/29/2026: CoC provided in trailing     51000.00 XX Primary Refinance Debt_Consolidation   196588
SAIF202621805     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/01/2026 05/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines with the final loan amount of $105,000. The file contains a title search report with a loan amount of $70,000, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive         105000.00 XX Primary Refinance CashOut_Other   199432
SAIF202621805     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/04/2026 05/05/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4484 exceed the threshold of $4139.         105000.00 XX Primary Refinance CashOut_Other   199711
SAIF202621805     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/04/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2016 to $2499 and the Loan Origination Fee increased from $1400 to $1985. Valid COC or additional cure of $1068 required.   05/21/2026: CoC provided in trailing docs.     105000.00 XX Primary Refinance CashOut_Other   199710
SAIF202621332     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTILAResult 06/26/2026 06/27/2026 Waived B B Compliance TRID   This loan failed the Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test. The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date. 06/27/2026: Borrower was cured, downgraded to non-material and waived       68000.00 XX Primary Refinance CashOut_Other   208120
SAIF202621332     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance 1008_Present 04/19/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file.  The file contains a 1008 that belongs to a different loan/borrower/property.   05/15/2026: Provided in trailing docs.     68000.00 XX Primary Refinance CashOut_Other   197390
SAIF202621332     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance LE_Status 04/20/2026 05/15/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing Loan Estimates from the file. The 2 Loan Estimates provided belong to a different loan/borrower/property. OD is unable to test compliance. Upon receipt of all Loan Estimates disclosed to the borrower compliance will be tested.   05/15/2026: LE's provided in trailing docs.     68000.00 XX Primary Refinance CashOut_Other   197438
SAIF202621332     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/15/2026 06/26/2026 Cured D B Compliance TRID   ***New Finding****  This loan failed the charges that cannot increase test. The Transfer Taxes increased from $120 to $136. Valid CoC or cure of $16 required. 05/29/2026: Seller response:  Refund pending    06/11/2026: Seller Response: Refund Pending    06/17/2026: Seller Response:  Refund Pending     06/17/2026: Seller Response:  Refund Pending     06/26/2026: PCCD and proof of reimbursement provided in trailing docs.       68000.00 XX Primary Refinance CashOut_Other   201864
SAIF202621332     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalNotes 04/20/2026 04/22/2026 Rescinded D A Valuation Value   The Desktop Valuation dated 03/20/2026 value has a variance of 20.2678% from the AVM dated 03/18/2026 which is greater than the 10% variance permitted for securitization grade A or B. Per client directive, please provide a 2055 appraisal.   04/22/2026: Client rescinds finding     68000.00 XX Primary Refinance CashOut_Other   197427
SAIF202621479     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/15/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     131000.00 XX Primary Refinance CashOut_Other   196963
SAIF202621479     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/16/2026 04/17/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,629.80 exceed the threshold of $4,139.         131000.00 XX Primary Refinance CashOut_Other   196980
SAIF202621479     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/16/2026 04/30/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,841 to $2,331.80. A Valid CoC or cure of $490.80 is required.   04/30/2026: CoC provided     131000.00 XX Primary Refinance CashOut_Other   196981
SAIF202621479     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/15/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file. The 1008s provided in the file belong to a different borrower and property.   04/30/2026: 1008 provided     131000.00 XX Primary Refinance CashOut_Other   196979
SAIF202621424     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ApplicationDocStatus 04/10/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Final Loan Application for the Borrower   04/30/2026: executed combined final provided in trailing     50000.00 XX Primary Refinance CashOut_Other   196444
SAIF202621424     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 04/10/2026 04/30/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the Appraisal or other Property Valuation.  Per guidelines loan less than $150,00 require an AVM with confidence score of 90 or greater.  There is no evidence of any valuation model in file.   04/30/2026: AVM provided in trailing     50000.00 XX Primary Refinance CashOut_Other   196446
SAIF202621424     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncome4506Indicator 04/10/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C for the Borrower.   04/30/2026: provided     50000.00 XX Primary Refinance CashOut_Other   196451
SAIF202621424     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncome4506Indicator 04/10/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C for the Co-Borrower.   04/30/2026: provided     50000.00 XX Primary Refinance CashOut_Other   196452
SAIF202621424     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ApplicationDocStatus 04/10/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Final Loan Application for the Co-Borrower.   04/30/2026: executed combined final provided in trailing     50000.00 XX Primary Refinance CashOut_Other   196497
SAIF202621424     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalDeliveryDate 04/10/2026 04/30/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing evidence of the appraisal delivery date.   04/30/2026: AVM provided in trailing docs, no appraisal required, no delivery required     50000.00 XX Primary Refinance CashOut_Other   196498
SAIF202621548     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/30/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.         50000.00 XX Primary Refinance CashOut_Other   199194
SAIF202621548     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/30/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Natural Disaster Inspection increased from $0 to $200. Valid COC or cure of $200 required.         50000.00 XX Primary Refinance CashOut_Other   199198
SAIF202621340     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/22/2026 04/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   197879
SAIF202621340     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stNote_Status 04/24/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the complete Note. Page 2 of the Note was not located in the file.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   198196
SAIF202621382     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/17/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     60000.00 XX Primary Refinance Debt_Consolidation   197180
SAIF202621382     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the file.  The 1008 in file belongs to a different loan/borrower/property.   05/14/2026: 1008 provided in trailing docs.     60000.00 XX Primary Refinance Debt_Consolidation   197204
SAIF202621339     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/23/2026 04/23/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   197989
SAIF202621339     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/23/2026 05/15/2026 Cleared -Trailing Doc C A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  Lock information in the file reflects the rate was locked on 03/19/2026 but the only LE in file is dated 03/30/2026 (reflecting the rate was locked).  The Intent to Proceed is also dated 03/30/2026 along with other initial disclosures per e-Doc tracking and copies in file.   05/15/2026: LE provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   198016
SAIF202621375     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/13/2026 04/22/2026 Waived C B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees of $3960.02 exceed threshold of $2100 by $1860.02.  Borrower paid fees included in testing:  CPL $60, Flood Cert $6, Origination Fee $1,400,  Discount Pts $1,862, Prepaid Interest $307.02 and Settlement Fee $325.   04/22/2026: Downgrade and waive per client instruction 01/19/2026     70000.00 XX Primary Refinance CashOut_Other   196767
SAIF202621375     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/13/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELP provided     70000.00 XX Primary Refinance CashOut_Other   196757
SAIF202621375     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/13/2026 04/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The following fees increased: Loan Discount Fee from $1,789 to $1,862; Appraisal Fee from $0 to $165. Valid CoC or cure of $238 is required.   04/29/2026: CoCs provided in trailing docs     70000.00 XX Primary Refinance CashOut_Other   196766
SAIF202621729     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/08/2026 05/08/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   200583
SAIF202621729     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/08/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   200584
SAIF202621729     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/08/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TILA   This loan failed the TILA finance charge test.  Loan is underdisclosed by $200.   06/02/2026: Provided in trailing docs. Corrected Disaster Fee finance charge info and made it "No."     50000.00 XX Primary Refinance CashOut_Other   200585
SAIF202621729     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/08/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $500 to $760 and the Disaster Inspection Fee increased from $0 to $200. Valid CoC or cure of $460 required.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   200586
SAIF202621729     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/08/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 from the file.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   200622
SAIF202621729     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/08/2026 05/08/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. **** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         50000.00 XX Primary Refinance CashOut_Other   200587
SAIF202620394     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/20/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     65500.00 XX Primary Refinance Debt_Consolidation   197509
SAIF202620394     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_FICO 05/15/2026 05/15/2026 Waived B B Credit Credit Score   ****NEW FINDING****  The seller provided the 1008 Transmittal Summary in trailing docs dated 04/07/2026.  The FICO score reflects on the 1008 is 819 wheras both credit reports in file as well as the Credit Score Disclosure, reflect a score of 817.  Non-Material due to scores are higher than the required minimum to qualify.         65500.00 XX Primary Refinance Debt_Consolidation   201942
SAIF202620394     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/20/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 from the file.  File contains the final 1003 but initial is missing.   05/14/2026: Provided in trailing docs.     65500.00 XX Primary Refinance Debt_Consolidation   197506
SAIF202620394     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/21/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 Transmittal Summary is missing from the file.  Review unable to validate the ratios used to qualify the loan.   05/15/2026: Provided in trailing     65500.00 XX Primary Refinance Debt_Consolidation   197607
SAIF202621378     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/07/2026 05/07/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         92500.00 XX Primary Refinance CashOut_Other   200341
SAIF202621343     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/27/2026 04/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   198314
SAIF202621343     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/27/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,328 to $1,640. A Valid CoC or cure of $312 is required.   05/15/2026: CoC provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198403
SAIF202621343     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 04/27/2026 05/15/2026 Cleared -Trailing Doc D A Credit Income   Missing the prior 2 years W-2s for the Borrower. The W-2s provided in the file belong to different borrowers.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198312
SAIF202621452     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/01/2026 05/04/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         70000.00 XX Primary Refinance CashOut_Other   199282
SAIF202621452     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/01/2026 05/04/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. **** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         70000.00 XX Primary Refinance CashOut_Other   199297
SAIF202621359     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/16/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     60000.00 XX Primary Refinance Debt_Consolidation   197159
SAIF202621359     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/16/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 from the file. The Initial 1003 in the file belongs to a different borrower and property.   05/14/2026: Provided in trailing docs.     60000.00 XX Primary Refinance Debt_Consolidation   197165
SAIF202621359     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance NoteDetailUndiscountedRate 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Undiscounted Rate.   05/14/2026: Provided in trailing docs.     60000.00 XX Primary Refinance Debt_Consolidation   197257
SAIF202621359     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan charged one or more fees prohibited under the MI Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction.  Only reasonable and necessary charges that are the actual expenses incurred by the lender in connection with making, closing, disbursing, extending a secondary mortgage can be charged in a secondary mortgage loan transaction.  Total prohibited fee is $1383, fees included in test are:  Discount Point fee (the portion of the fee that is not bona fide).   The loan has discount points but the Undiscounted Rate was not provided, therefore all Discounts Points are considered not bona fide.   05/14/2026: Undiscounted rate provided on trailing docs. Re-ran CE with bona fide discount points. Resolved the failure.     60000.00 XX Primary Refinance Debt_Consolidation   197259
SAIF202621359     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/17/2026 04/17/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. **** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         60000.00 XX Primary Refinance Debt_Consolidation   197258
SAIF202621480     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/18/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     73500.00 XX Primary Refinance Debt_Consolidation   197382
SAIF202621480     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/18/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 from the file. The 2 Initial 1003s in the file belong to different loans/borrowers/properties.   05/14/2026: Provided in trailing docs.     73500.00 XX Primary Refinance Debt_Consolidation   197383
SAIF202621480     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/18/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C from the file.   05/14/2026: 4506-C provided in trailing docs     73500.00 XX Primary Refinance Debt_Consolidation   197384
SAIF202621480     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/18/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file.   05/14/2026: 1008 provided in trailing docs.     73500.00 XX Primary Refinance Debt_Consolidation   197388
SAIF202621480     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/19/2026 05/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,646 to $2,851.80 and Transfer Taxes increased from $219 to $220.50. Valid CoC or cure of $1,207.30 required.   05/14/2026: CoCs provided in trailing docs.     73500.00 XX Primary Refinance Debt_Consolidation   197389
SAIF202621342     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/16/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document with the final loan amount of $100,000, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     100000.00 XX Primary Refinance Debt_Consolidation   197157
SAIF202621342     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/16/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file. The 1008 in file belongs to a different borrower and property.   05/14/2026: Provided in trailing docs.     100000.00 XX Primary Refinance Debt_Consolidation   197158
SAIF202621342     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/17/2026 05/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $1550 to $1884. Valid COC or additional cure of $384 required.   05/14/2026: CoC provided in trailing docs.     100000.00 XX Primary Refinance Debt_Consolidation   197244
SAIF202621401     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/23/2026 04/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         100000.00 XX Primary Refinance CashOut_Other   198094
SAIF202621404     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetVerifDocType 04/29/2026 05/20/2026 Cleared -Trailing Doc D A Credit Documentation   The loan approved as full documentation loan, however all income documents are missing from the file except a VVOE and the lender's income calculation worksheet.   05/20/2026: 2 years W2s and paystubs provided in trailing     50000.00 XX Primary Refinance Debt_Consolidation   198926
SAIF202621404     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMBorrowerIncomeAndAssetsAccurateAndVerifiedIndicator 04/29/2026 06/01/2026 Cleared -Trailing Doc D A Compliance ATR   QM/ATR failure due to file missing all income documentation. The file only contains a VVOE and Income Calculation Worksheet which reflects the lender required a WVOI in addition to the prior 2 years W-2s and paystubs covering a 30-day period.    05/20/2026: Seller provided paystubs and W2s in trailing docs but missing the required written VOE to confirm overtime compensation as conditioned for by the lender.  Recalculating DTI based on income documents provided results in a DTI of 54.562% which still does not support the income used by lender.   06/01/2026: WVOI provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   198928
SAIF202621404     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RatiosCountedAllIncome 04/29/2026 06/01/2026 Cleared -Trailing Doc D A Compliance ATR   QM/ATR failure due to DTI not able to be calculated. Review unable to validate lender's DTI of 43.636%.  Income documentation required by guidelines is missing from the file. 05/20/2026: Seller provided paystubs and W2s in trailing docs but missing the required written VOE to confirm overtime compensation as conditioned for by the lender.  Recalculating DTI based on income documents provided results in a DTI of 54.562% which still does not support the income used by lender. 06/01/2026: WVOI provided in trailing docs. Review Ratios now match 1008.     50000.00 XX Primary Refinance Debt_Consolidation   198930
SAIF202621404     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerWOE 05/20/2026 06/01/2026 Cleared -Trailing Doc D A Credit Documentation   ***New Exception*** Missing a Written Verification of Income to validate 2 years of overtime income. Per the Income Calculation Worksheet provided in trailing docs a WVOE was conditioned for to validate 2 years of overtime earnings and a 24 months average was utilized to calculate overtime monthly income.   06/01/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   202766
SAIF202621434     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/11/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     149999.00 XX Primary Refinance Debt_Consolidation   201002
SAIF202621427     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/23/2026 04/24/2026 Waived B B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         162000.00 XX Primary Refinance Debt_Consolidation   198076
SAIF202621427     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information form from the file.   05/15/2026: Provided in trailing docs.     162000.00 XX Primary Refinance Debt_Consolidation   197949
SAIF202621427     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  The 1008 in file belongs to a different borrower and property.  Review unable to validate the ratios used to qualify the loan.   05/15/2026: Provided in trailing docs.     162000.00 XX Primary Refinance Debt_Consolidation   197962
SAIF202621427     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The following fees increased: Loan Discount Fee from $2,172 to $2,762.10; Loan Origination Fee $1,700 to $1,844; Appraisal Fee from $0 to $165 and; State Tax Stamps from $95 to $162. A Valid CoC or cure of $966.10 is required.   05/15/2026: CoCs provided in trailing docs.     162000.00 XX Primary Refinance Debt_Consolidation   197977
SAIF202621599     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 05/22/2026 05/22/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 3.4 and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive.         118000.00 XX Primary Refinance CashOut_Other   203102
SAIF202621599     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseQMRegulationFailures 05/22/2026 05/22/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5068.10 exceed the threshold of $4139.         118000.00 XX Primary Refinance CashOut_Other   203135
SAIF202621448     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/14/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The Initial 1003 is missing from the loan file. The file contains only the executed final copy but is missing the initial application.   04/29/2026: Provided in trailing     65000.00 XX Primary Refinance CashOut_Other   196844
SAIF202621448     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/14/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELP provided in trailing     65000.00 XX Primary Refinance CashOut_Other   196848
SAIF202621448     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/15/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the loan file.  The 1008s in file belong to a different borrower and loan.   04/29/2026: Provided in trailing     65000.00 XX Primary Refinance CashOut_Other   196849
SAIF202621481     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TitleSearch_DocExists 04/20/2026 04/22/2026 Waived D B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     200000.00 XX Primary Refinance CashOut_Other   197482
SAIF202621481     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_FICO 05/15/2026 05/15/2026 Waived B B Credit Credit Score   ****NEW FINDING****  The seller provided the 1008 Transmittal Summary in trailing docs dated 04/08/2026.  The 1008 reflects a qualifying credit score of 815 whereas the Credit Report and Credit Score Disclosure in file reflect a score of 813.  Non-material due to both scores are higher than the minimum score required to qualify.         200000.00 XX Primary Refinance CashOut_Other   201951
SAIF202621481     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/20/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file. The 1008s in file belong to a different borrower/loan.   05/15/2026: Provided in trailing docs     200000.00 XX Primary Refinance CashOut_Other   197483
SAIF202621402     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/28/2026 04/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive         100000.00 XX Primary Refinance Debt_Consolidation   198742
SAIF202621402     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 04/29/2026 05/04/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,555 exceed the threshold of $4139.         100000.00 XX Primary Refinance Debt_Consolidation   198856
SAIF202621402     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalOrigAppraisedValue 04/28/2026 05/20/2026 Cleared -Trailing Doc D A Valuation Documentation   File is missing a copy of the appraisal or other valuation model used to qualify. The AVM in file belongs to a different borrower and property.   05/20/2026: AVM provided in trailing docs.     100000.00 XX Primary Refinance Debt_Consolidation   198741
SAIF202621454     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/14/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file.   04/29/2026: Provided in trailing     92000.00 XX Primary Refinance CashOut_Other   196795
SAIF202621454     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/14/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing   04/22/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: MHELp provided     92000.00 XX Primary Refinance CashOut_Other   196823
SAIF202621454     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/15/2026 05/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C for the Co-Borrower. 04/29/2026: Seller reply:  Received but exception opened on 4/16/26 for Signatory Attest box is not checked off    05/14/2026: Seller comment 05/12/2026 - Email sent to Servicelink to procure 4506 copy as per the request 05/29/2026: Provided trailing     92000.00 XX Primary Refinance CashOut_Other   196871
SAIF202621462     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/22/2026 04/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   197791
SAIF202621462     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/22/2026 04/23/2026 Waived B B Compliance State Violation   This loan failed the Total Loan and Broker Fee Test for VA. The fees of $2802.50 exceed the $2361.36 threshold. Fees included in testing: Origination Fee paid by the Lender of $1,000 and the Loan Discount Fee paid by the Borrower  of $1,802.50. ****Per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Origination Fee paid by the Lender, would result in no violation.  Waived.****         50000.00 XX Primary Refinance Debt_Consolidation   197829
SAIF202621462     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalDeliveryDate 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of the Appraisal Delivery Date to the Borrower for the appraisal valuation.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   197952
SAIF202621462     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the file.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   197812
SAIF202621462     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,740 to $1,820.50. A Valid CoC or cure of $62.50 is required.   05/15/2026: CoC provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   197828
SAIF202621893     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/27/2026 05/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   203466
SAIF202621893     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1LegalDescription 05/26/2026 06/18/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Exhibit A (Legal Description) of the Deed of Trust. 06/11/2026: Seller Response: Disagree. It is available in the extract folder with all 7 pages. Refer page no. 2. it will not have a separate header    06/11/2026: OD Reply: Per page 2 of the Deed of Trust it states "See Legal Description attached hereto and made a part hereof as 'Exhibit A." Exhibit A of the Deed of Trust was not located in the file.    06/18/2026: provided trailing       50000.00 XX Primary Refinance Debt_Consolidation   203423
SAIF202621400     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/20/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     50000.00 XX Primary Refinance Debt_Consolidation   197519
SAIF202621400     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_HazardInsurance_Status 04/20/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of Homeowner's Insurance from the file.   05/14/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   197520
SAIF202621400     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/20/2026 05/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclousre Delivery  Date Test.  The file contains only 1 Loan Estimated dated 03/23/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 03/23/2026 but the next disclosure is a CD dated 04/09/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 05/15/2026: Seller provided a CoC tied to an LE dated 03/24/2026, reflecting the rate was locked on 03/23/2026, in trailing docs, however, the LE showing the rate was locked was not provided.  Please provide. 05/29/2026: LE provided in trailing     50000.00 XX Primary Refinance Debt_Consolidation   197522
SAIF202621690     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 06/17/2026 06/17/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.6 and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive.         175000.00 XX Primary Refinance CashOut_Other   206625
SAIF202621690     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 06/16/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $2,500 to $3,500. Valid CoC or cure of $1,000 is required. 06/26/2026: CoC provided in trailing docs.       175000.00 XX Primary Refinance CashOut_Other   206589
SAIF202621399     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/15/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the loan file.   04/30/2026: 1008 provided     60000.00 XX Primary Refinance Debt_Consolidation   196938
SAIF202621399     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/16/2026 04/30/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file only contains 1 CD for the Borrowers issued on 04/08/2026 with the closing date of 04/09/2026, which is less than 3 days. The file contained 2 additional CDs that belong to a different borrower and property.   04/30/2026: iCD provided     60000.00 XX Primary Refinance Debt_Consolidation   197017
SAIF202621455     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/27/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,838 to $3,664.62. Valid CoC or cure of $826.62 is required.   05/18/2026: CD and CoC provided in trailing     94449.00 XX Primary Refinance Debt_Consolidation   198435
SAIF202621455     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 04/28/2026 05/19/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed. 05/15/2026: Seller Response: Uploaded XXXX form. Document uploaded on OD portal    05/15/2026: OD Reply: E-Consent Doc not in the file as of 05/15. Please re-upload the doc to the OD Portal. 05/19/2026: Provided trailing     94449.00 XX Primary Refinance Debt_Consolidation   198629
SAIF202621455     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/27/2026 05/29/2026 Rescinded D A Compliance TRID   This loan failed the revised closing disclosure delivery date test (waiting period required).  The file contains two CDs that were signed at closing 04/18/2026.  There is no disclosure tracking in file and no evidence to confirm that either of these CDs were issued and received to the borrowers prior to closing.  The Dates Issued reflected on the CDs are 04/16 and 04/17, however, as stated both were executed at closing on 04/18.  Using the signature date to evidence the borrower receipt date results in the wait period timing exception. 05/18/2026: Compliance retested with additional documents provided in trailing docs.  Exception still remains as APR increased more than allowable.  The loan closed 04/18, the three day wait period required by TRID was not provided. 05/29/2026: Compliance retested as the file contained a CD that did not belong to the subject loan and borrower.  Retest results in no failure. Exception rescinded.     94449.00 XX Primary Refinance Debt_Consolidation   198436
SAIF202621506     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/14/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/29/2026: Provided in trailing     64000.00 XX Primary Refinance CashOut_Other   196804
SAIF202621506     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/14/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the loan file.  The 1008 in file belongs to a different borrower and loan.   04/29/2026: Provided in trailing     64000.00 XX Primary Refinance CashOut_Other   196808
SAIF202621506     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/14/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 from the loan file.  The file contains only the final loan application for the subject loan.  The other applications are for different borrowers and loan.   04/29/2026: Provided in trailng     64000.00 XX Primary Refinance CashOut_Other   196817
SAIF202621506     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/14/2026 04/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $483 to $883.20. Valid COC or cure of $400.20 required.   04/29/2026: CoC provided in trailing     64000.00 XX Primary Refinance CashOut_Other   196818
SAIF202621461     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The loan file is missing the 1008.   04/29/2026: Provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   197061
SAIF202621461     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title Search and Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. Evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. The Title Search in file belongs to a different Borrower and property.   04/29/2026: MHELP provided in trailing docs    04/30/2026: MHELP provided     50000.00 XX Primary Refinance CashOut_Other   197069
SAIF202621461     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/16/2026 04/30/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 04/08/2026 and the closing date was 04/09/2026 which is less than 3 days.   04/30/2026: iCD provided     50000.00 XX Primary Refinance CashOut_Other   197072
SAIF202621461     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportLatestCreditScoreNumberBureausUsed 04/16/2026 04/29/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Credit Report for the Borrowers with 3 credit bureaus listed. The only credit report in file is only a single source report (Equifax).   04/29/2026: Provided in trailing     50000.00 XX Primary Refinance CashOut_Other   197116
SAIF202621461     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 04/16/2026 04/16/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. **** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         50000.00 XX Primary Refinance CashOut_Other   197071
SAIF202621457     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/17/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     70000.00 XX Primary Refinance Debt_Consolidation   197339
SAIF202621457     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance 1008_Present 04/18/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 was missing from the file.   05/15/2026: 1008 provided in trailing docs.     70000.00 XX Primary Refinance Debt_Consolidation   197378
SAIF202621457     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalOrigAppraisedValue 04/17/2026 05/15/2026 Cleared -Trailing Doc D A Valuation Documentation   File is missing a copy of the appraisal or other valuation model used to qualify.  Unable to determine/validate LTV/CLTV.   05/15/2026: AVM provided in trailing docs.     70000.00 XX Primary Refinance Debt_Consolidation   197338
SAIF202621431     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/28/2026 04/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         110000.00 XX Primary Refinance Debt_Consolidation   198526
SAIF202621431     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 04/28/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Credit Inquiry letter for the XXXX inquiry on 02/26/2026.   05/15/2026: Provided in trailing docs.     110000.00 XX Primary Refinance Debt_Consolidation   198665
SAIF202621796     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/24/2026 06/11/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan failed the WA prohibited fees test by $1836.  Fees included in the test:  Loan Discount Fee $1836.   The file does not contain documentation of the undiscounted rate or that the discount fee was a bona fide fee. 06/11/2026: Product and Pricing information provided in trailing docs.       120000.00 XX Primary Refinance CashOut_Other   203168
SAIF202621796     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/24/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 05/12/2026 and the closing date was 05/12/2026 which is less than 3 days. 06/11/2026: Initial CD provided in trailing docs.       120000.00 XX Primary Refinance CashOut_Other   203169
SAIF202621485     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 04/21/2026 04/22/2026 Waived B B Valuation Documentation   Missing the Fannie Mae and Freddie Mac UCDP reports to validate the CU score and Rep and Warrant Relief Eligibility. 2055 appraisal report in file, non-material, waived per client directive.         50000.00 XX Primary Refinance Debt_Consolidation   197664
SAIF202621485     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AssetsIncomePerBorrowerOTIncome 04/21/2026 05/19/2026 Cleared -Trailing Doc D A Credit Documentation   Missing 2 years of verified overtime income as required by XXXX guidelines. Lender used $1,008.41 of overtime income to qualify the borrower per the Income Calculation Worksheet in file the Lender used 24 months to calculate overtime income. The file contained 11 paystubs, no reflect the 2025 year to date earnings nor is there a written VOI validate overtime income.  Exclusion of this unverified income results in a DTI of 49.865% whereas the lender's 1008 transmittal summary reflects a qualifying DTI of 43.533% a variance of 6.332%.  Please provide documentation to justify use of OT income. 05/15/2026: Seller Response: Document available already in e-folder; Uploaded the doc again. Document uploaded on OD portal    05/15/2026: OD Reply: The WVOI or evidence of 2 years of overtime income is not in the file as of 05/15. Please re-upload to the OD Portal. 05/19/2026: Provided trailing     50000.00 XX Primary Refinance Debt_Consolidation   197671
SAIF202621485     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 04/21/2026 06/11/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $200 to $875. Valid COC or cure of $675 required. 05/15/2026: Seller Response: In progress    05/29/2026: Seller response:  Refund pending    06/11/2026: PCCD and cure docs provided       50000.00 XX Primary Refinance Debt_Consolidation   197672
SAIF202621470     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/23/2026 04/23/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   198073
SAIF202621683     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/26/2026 05/26/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4284 exceed the threshold of $4139.         105000.00 XX Primary Refinance CashOut_Other   203290
SAIF202621683     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 05/22/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   Missing W-2 Statements for borrower covering the most recent 2 year period as required by guidelines. The 2024 W-2 was not provided. 06/11/2026: Provided in trailing docs.       105000.00 XX Primary Refinance CashOut_Other   203088
SAIF202621683     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/26/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains a Loan Estimate dated 04/08/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 04/08 but the next disclosure is a LE dated 04/15/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 06/11/2026: Provided in trailing docs.       105000.00 XX Primary Refinance CashOut_Other   203285
SAIF202621683     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/26/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1528 to $2184. Valid CoC or cure of $656.00 required. 06/11/2026: CoC provided in trailing docs.       105000.00 XX Primary Refinance CashOut_Other   203288
SAIF202621683     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/26/2026 05/26/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         105000.00 XX Primary Refinance CashOut_Other   203292
SAIF202621769     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 05/10/2026 05/11/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   200793
SAIF202621769     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 05/11/2026 05/11/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  File is missing USDP reports due to appraisal type being 2055 Appraisal Report. UTD CU Score or R&W Eligible. 2055 in file, non-material, waived per client directive.         50000.00 XX Primary Refinance Debt_Consolidation   200904
SAIF202621769     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 06/02/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test.  The Appraisal Fee increased from $165 to $585. Valid CoC or cure of $420 required. 06/11/2026: CoC provided       50000.00 XX Primary Refinance Debt_Consolidation   204402
SAIF202621769     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTILAResult 06/02/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 04/30/2026 and the closing date was 05/01/2026 which is less than 3 days. 06/11/2026: iCD provided       50000.00 XX Primary Refinance Debt_Consolidation   204403
SAIF202621769     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var 1008_Present 05/10/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   200791
SAIF202621769     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ApplicationDocStatus 05/10/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The Initial 1003 is missing from the file.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   200792
SAIF202621769     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var LE_Status 05/10/2026 06/02/2026 Cleared -Trailing Doc D A Compliance Documentation   The file did not contain any LE(s). Per the e-doc tracking in file, the borrower received the initial LE on 3/25/2026 and a subsequent LE on 3/26/2026. Compliance will be tested upon receipt of the LEs.   06/02/2026: LE provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   200795
SAIF202621769     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var Mortgage1LegalDescription 05/11/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Legal Description "Exhibit A" of the Mortgage.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   200900
SAIF202621769     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AssetsIncome4506Indicator 05/11/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C from the file.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   200903
SAIF202621426     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/15/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.    04/30/2026: MHELP provided     50000.00 XX Primary Refinance CashOut_Other   196899
SAIF202621426     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/15/2026 04/30/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $440 to $752.50. A Valid CoC or cure of $312.50 is required.   04/30/2026: CoC provided     50000.00 XX Primary Refinance CashOut_Other   196922
SAIF202621426     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalDeliveryDate 04/16/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of the appraisal delivery confirmation. The appraisal delivery documentation in file belongs to a different borrower and property.   04/30/2026: Provided     50000.00 XX Primary Refinance CashOut_Other   197014
SAIF202621426     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/16/2026 04/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C from the file.   04/30/2026: Provided in trailng     50000.00 XX Primary Refinance CashOut_Other   197015
SAIF202621426     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Service_Provider_List_DocExist 04/16/2026 04/30/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List from the file.   04/30/2026: Provided     50000.00 XX Primary Refinance CashOut_Other   197016
SAIF202621429     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/27/2026 04/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         80000.00 XX Primary Refinance Debt_Consolidation   198383
SAIF202621429     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 04/28/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1876 to $2504. Valid CoC or cure of $628 required.   05/18/2026: CoC and LE provided     80000.00 XX Primary Refinance Debt_Consolidation   198619
SAIF202621429     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerEmploymentGapLetter 04/28/2026 05/18/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Employment Gap letter for the Borrower who was unemployed for 6 months in the previous 2 years.   05/18/2026: LOX provided     80000.00 XX Primary Refinance Debt_Consolidation   198689
SAIF202621429     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/28/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   05/01/2026: provided in trailing     80000.00 XX Primary Refinance Debt_Consolidation   198691
SAIF202621429     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/28/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimated dated 03/26/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 03/26/2026 but the next disclosure is a CD dated 04/06/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock.   05/18/2026: CoC and LE provided     80000.00 XX Primary Refinance Debt_Consolidation   198695
SAIF202621484     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 04/20/2026 04/21/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         92000.00 XX Primary Refinance CashOut_Other   197533
SAIF202621484     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 04/21/2026 04/21/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.870% APR exceeds the 9.440% threshold to qualify for a safe harbor.         92000.00 XX Primary Refinance CashOut_Other   197568
SAIF202621484     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/21/2026 05/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $317.60. Valid COC or additional cure of $317.60 required.   05/14/2026: CoC provided in trailing docs.     92000.00 XX Primary Refinance CashOut_Other   197566
SAIF202621484     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/20/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 from the file. The Initial 1003 in file belongs to a different loan/borrower/property.   05/14/2026: Provided in trailing docs.     92000.00 XX Primary Refinance CashOut_Other   197527
SAIF202621484     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/20/2026 05/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 1008 from the file. The 1008 in file belongs to a different loan/borrower/property.  Review unable to validate/verify ratios used to qualify the loan.   05/14/2026: Provided in trailing docs.     92000.00 XX Primary Refinance CashOut_Other   197529
SAIF202621531     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/07/2026 07/07/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.043 % APR exceeds the 9.440 % threshold to qualify for a safe harbor.         100000.00 XX Primary Refinance Debt_Consolidation   209932
SAIF202621531     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/07/2026 07/07/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         100000.00 XX Primary Refinance Debt_Consolidation   209935
SAIF202621531     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/07/2026 07/07/2026 Waived B B Compliance State Violation   This loan failed the TX prohibited fees test by $71.  Lender paid fees included in the test:  Title - Tax Certificate. Per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Title - Tax Certificate paid by the lender, would result in no violation.  Waived.         100000.00 XX Primary Refinance Debt_Consolidation   209947
SAIF202621531     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance RatiosTotalIncomeBackDTI1 08/05/2026 08/13/2026 Cleared -Trailing Doc D A Credit Documentation   ****NEW EXCEPTION**** Seller provided current hazard policies in trailing docs. Hazard insurance increased with trailing materials. File also contains Wind Hail Insurance. Total combined annual hazard and wind hail insurance is $5,723.72 or $476.98/mo.  Per the 1008 Transmittal Summary, Lender qualified the borrower with total insurance of $200.42/mo with resulting DTI ratios of 31.699%/40.129%.  Review calculated ratios, using the most current hazard documents, results in ratios of 35.046%/43.476% which is a variance of 3.347%.  Please provide corrected/updated 1008. 08/13/2026: corrected 1008 provided       100000.00 XX Primary Refinance Debt_Consolidation   215533
SAIF202621531     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_HazardInsurance_Status 07/02/2026 08/13/2026 Cleared -Trailing Doc D A Credit Documentation   Hazard Insurance is expires prior to disbursement of the loan. Please provide current policy.    07/27/2026: Remediation pending 08/10/2026: provided trailing       100000.00 XX Primary Refinance Debt_Consolidation   209273
SAIF202621573     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/05/2026 05/08/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   199838
SAIF202620475     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceHazardInsuranceDocStatus 05/05/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the premium amount from homeowners insurance. Provide a copy with the premium amount.   06/02/2026: provided trailing     55000.00 XX Primary Refinance Debt_Consolidation   199911
SAIF202620475     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/06/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 04/28/2026 and the closing date was 04/29/2026 which is less than 3 days.   06/02/2026: iCD provided trailing     55000.00 XX Primary Refinance Debt_Consolidation   200126
SAIF202620475     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/06/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimate dated 03/30/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 03/31/2026 but the next disclosure is a CD dated 04/28/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock.   06/02/2026: provided in trailing     55000.00 XX Primary Refinance Debt_Consolidation   200127
SAIF202620475     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/06/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $1,000.00 to $1,100.00 and the Appraisal Fee increased from $0.00 to $925.00. Valid CoC or cure of $1,025.00 required. 06/02/2026: Seller response via email dated 05.28.2026 indicates the appraisal utilized was from a prior transaction and the fee was paid outside of closing on a different transaction.  PCCD will be issued correcting the fee entry.    06/02/2026: OD reply, the PCCD correcting the entry of the appraisal fee will only partially remedy this finding, there is still an increase to the Loan Origination fee of $100 without a valid CoC, please provide valid CoC or evidence of $100 cure.    06/11/2026: Provided in trailing docs.       55000.00 XX Primary Refinance Debt_Consolidation   200129
SAIF202621786     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/14/2026 05/15/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         120000.00 XX Primary Refinance CashOut_Other   201625
SAIF202621786     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/14/2026 06/26/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $165.00 to $635.00. A valid CoC or cure of $470.00 is required. 06/02/2026: Seller Response: Refund Pending     06/11/2026: Seller Response: Refund Pending    06/17/2026: Seller Response: Refund Pending    06/26/2026: PCCD and proof of reimbursement provided in trailing docs.       120000.00 XX Primary Refinance CashOut_Other   201684
SAIF202621786     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/15/2026 05/15/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. **** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         120000.00 XX Primary Refinance CashOut_Other   201903
SAIF202621451     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 05/01/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         63000.00 XX Primary Refinance CashOut_Other   198988
SAIF202621465     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 04/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         149000.00 XX Primary Refinance Debt_Consolidation   198869
SAIF202621465     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceCreditScore_Difference 04/30/2026 05/20/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the updated 1008 reflected the median credit score of 759 per the Credit Report in file date 03/27/2026. The other 3 credit reports in file were pulled with the Non-Borrowing spouse who had a median score of 725.   05/20/2026: Provided in trailing docs.     149000.00 XX Primary Refinance Debt_Consolidation   199120
SAIF202621508     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/24/2026 04/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         91500.00 XX Primary Refinance Debt_Consolidation   198275
SAIF202621508     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/27/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimated dated 03/26/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 03/27 but the next disclosure is a CD dated 04/07/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock.   05/15/2026: Revised LE provided in trailing docs.     91500.00 XX Primary Refinance Debt_Consolidation   198414
SAIF202621507     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/24/2026 04/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         85000.00 XX Primary Refinance CashOut_Other   198251
SAIF202621507     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/27/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Co-Borrower's 4506-C.   05/15/2026: Provided in trailing docs.     85000.00 XX Primary Refinance CashOut_Other   198351
SAIF202621507     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Service_Provider_List_DocExist 04/27/2026 05/15/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List disclosure from the file.  Disclosure in file is for a different borrower and loan number.   05/15/2026: Provided in trailing docs.     85000.00 XX Primary Refinance CashOut_Other   198376
SAIF202621545     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/23/2026 04/23/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         53000.00 XX Primary Refinance CashOut_Other   198000
SAIF202621657     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/04/2026 05/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         71300.00 XX Primary Refinance Debt_Consolidation   199543
SAIF202621657     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/04/2026 05/06/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         71300.00 XX Primary Refinance Debt_Consolidation   199646
SAIF202621657     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/05/2026 05/06/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.902% APR exceeds the 9.440% threshold to qualify for a safe harbor.         71300.00 XX Primary Refinance Debt_Consolidation   199803
SAIF202621657     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/04/2026 06/02/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan failed the PA prohibited fees test by $21.39.  Fees included in the test:  Points - Loan Discount Fee. 06/02/2026: Seller Response: The discount point charged qualifies as a bona fide discount point in accordance with the PA definition. Please see the attached rate lock confirmation, which includes the rate stack for reference. Document uploaded on OD portal 06/02/2026: Product and Pricing info provided in trailing docs.     71300.00 XX Primary Refinance Debt_Consolidation   199649
SAIF202621657     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/04/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $21.39 and the Loan Origination Fee increased from $1050 to $1426. Valid CoC or cure of $397.39 is required.   06/02/2026: CoC provided in trailing docs.     71300.00 XX Primary Refinance Debt_Consolidation   199644
SAIF202621657     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/04/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $39  to $0.  Valid Change of Circumstance or Cure of  $39 is required.   06/02/2026: CoC provided in trailing docs.     71300.00 XX Primary Refinance Debt_Consolidation   199645
SAIF202621579     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 04/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive         150000.00 XX Primary Refinance CashOut_Other   198774
SAIF202621471     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/06/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Disaster Inspection Fee increased from $0 to $200. A Valid CoC or cure of $200 is required. 06/02/2026: Seller Response: Please see COC forms  Document uploaded on OD portal 06/02/2026: Provided in trailing docs.     75000.00 XX Primary Refinance CashOut_Other   200197
SAIF202621689     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/13/2026 06/26/2026 Waived D B Compliance TRID   This loan failed the Revised Closing Disclosure Delivery Date Test (Waiting Period Required) test.   The file contains 2 CDs, 1 of which reflects Date Issued of 04/28/2026 with a loan amount of $270,000 and interest rate of 9% and the final CD with Date Issued of 05/01/2026 that was wet ink signed on 05/02/2026 with a loan amount of $280,000 and interest rate of 8.75% resulting in an APR tolerance exceeding finding.  The wait period was less than three business days before closing. 06/02/2026: Seller Response: The APR on this loan went down, and no waiting period is required...CFPB's Guidance....A disclosed APR is accurate under Regulation Z if the difference between the disclosed APR and the actual APR for the loan is within an applicable tolerance in Regulation Z, 12 CFR § 1026.22(a). For transactions secured by real property or a dwelling, Regulation Z includes several tolerances that might apply, including a tolerance whereby the disclosed APR is considered accurate if it results from the disclosed finance charge being overstated. See 12 CFR § 1026.22(a)(4). For example, if the APR and finance charge are overstated because the interest rate has decreased, the APR is considered accurate. Thus, the creditor may provide the corrected Closing Disclosure to the consumer at consummation, and is not required to ensure that the consumer receives the corrected Closing Disclosure at least three business days before consummation.    06/03/2026: OD Response:  The matter was escalated to the compliance engine with the following escalation response:  The TRID APR Tolerance Exceeding Finding will be “Yes” if the APR has become inaccurate due to the APR increasing or decreasing by more than 1/8 of 1%. If the TRID APR Tolerance Exceeded Finding is “Yes” then the TRID APR and Finance Charge Tolerance Exceeded Finding compares the calculated finance charge from the current closing disclosure to the disclosed finance charge from the most recent accurate previous closing disclosure. If the TRID APR and Finance Charge Tolerance Exceeded Finding is “Yes” then the Revised Closing Disclosure Waiting Period Required Finding result will also be “Yes.”  On the 05/01/2026 revised closing disclosure, the calculated APR was 8.988% and the disclosed APR on the 04/28/2026 initial closing disclosure was 9.345%. The difference between the two APRs was 0.357%, which is greater than 1/8 of 1% (0.125%), so the TRID APR Tolerance Exceeded Finding was "Yes."   The TRID APR and Finance Charge Tolerance Exceeded Finding was also “Yes.” The calculated finance charge on the 05/01/2026 disclosure was $520,647.93 and the disclosed finance charge on the initial closing disclosure was lower $520,222.08. Therefore, the disclosed finance charge was understated, not overstated, and the APR was considered inaccurate.   Because the TRID APR and Finance Charge Tolerance Exceeded Finding was "Yes" due to the finance charge being understated, the Revised Closing Disclosure Waiting Period Finding was also “Yes.”    Therefore, the Revised Closing Disclosure Delivery Date Test (Waiting Period Required) ran, and the test failed due to the revised closing disclosure receipt rate was less than three business days before the consummation date.    06/03/2026: The issue has been sent to CLIENT for review.  No further action needed by Seller until Client review.    06/26/2026: Client has agreed to downgrade waive this exception for loans SAIF202621687 and SAIF202621689 but advised the seller they will not accept these types of issues moving forward. 06/04/2026: Per client this loan is rejected.     280000.00 XX Primary Refinance Debt_Consolidation   201363
SAIF202621689     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/05/2026 08/05/2026 Waived B B Compliance TRID   ****NEW EXCEPTION**** PCCD and cure provided in trailing docs to address the $200 charges that cannot increase violation due to the rCD timing issue, however the PCCD was issued more than 60 calendar days of closing.  Non-material per XXXX, downgraded and acknowledged.         280000.00 XX Primary Refinance Debt_Consolidation   215502
SAIF202621689     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/08/2026 08/05/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $5,000 to $5,600 and the Lender Inspection Fee from increased from $0 to $250. A valid CoC or cure of $850 is required.    07/27/2026: Refund pending 06/02/2026: Seller Response: COC forms uploaded. Document uploaded on OD portal    06/02/2026: OD Reply: CoCs tied to the 04/21 and 04/27 LEs were provided. Compliance retested, still fails by $200 due the Origination Fee increasing from $5400 to $5600 on the final CD dated 05/01.    06/03/2026: Due to the Revised CD timing exception, CE does not acknowledge the CoC as valid.  Matter has been elevated to CLIENT for review.    06/03/2026:     06/26/2026: Client has agreed to downgrade waive the timing exception but advised the seller they expect a cure.    08/05/2026: Seller provided $200 cure on PCCD to remedy per client directive.  PCCD documentation in trailing docs. 06/04/2026: Per client this loan is rejected.     280000.00 XX Primary Refinance Debt_Consolidation   200668
SAIF202621528     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/30/2026 05/01/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   199072
SAIF202621528     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/30/2026 06/01/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 04/22/2026 and the closing date was 04/23/2026 which is less than 3 days.   06/01/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   199126
SAIF202621528     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/21/2026 06/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the complete Final 1003 Loan Application from the file. The only pages of the Final 1003 in file are pages 1, 7 and 9.   06/01/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   202889
SAIF202621780     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/15/2026 05/19/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   202029
SAIF202621780     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/19/2026 05/27/2026 Waived D B Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   05/27/2026: provided trailing     50000.00 XX Primary Refinance Debt_Consolidation   202446
SAIF202621780     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/18/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $565 to $615. A Valid CoC or cure of $50 is required.    06/02/2026: CoC provided in trailing docs.   06/02/2026:     50000.00 XX Primary Refinance Debt_Consolidation   202291
SAIF202621780     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/18/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test. The following fees increased: Title Doc Prep Fee from $0 to $120 and Recording Fee from $334 to $623. Valid CoC or cure of $297.10 is required.   06/02/2026: CoC provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   202293
SAIF202621547     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/26/2026 04/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         90000.00 XX Primary Refinance Debt_Consolidation   198309
SAIF202621547     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/26/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount points increased from $1737 to $3087. Valid COC or cure of $1350 required.   05/15/2026: CoCs provided     90000.00 XX Primary Refinance Debt_Consolidation   198310
SAIF202621597     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceBEDTI_Difference 05/08/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Review DTI of 38.033% is more than the Lender DTI of 36.817% per the most recent 1008 provided in the file. The 1008 reflects monthly PI payment for the subject loan of $367.14 whereas the executed Note in file indicates a PI payment of $418.22.  Provide corrected 1008.   06/02/2026: provided trailing     50000.00 XX Primary Refinance Debt_Consolidation   200590
SAIF202621973     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/12/2026 06/12/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $3,180.83 exceed threshold of $1,815 by $1,365.83. Borrower paid fees included in testing: CPL $60, Flood Cert $6, Origination Fee $1,200, Discount Pts $1,618.38, Prepaid Interest $-38.55 and Settlement Fee $325. There were no Lender paid fees included in testing.  ***Downgrade and waive per client instruction via email chain 01/19/2026 ***         60500.00 XX Primary Refinance Debt_Consolidation   206017
SAIF202621973     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/12/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $791 to $1,618.38. A Valid CoC or cure of $827.88 is required. 06/26/2026: CoCs provided in trailing docs.       60500.00 XX Primary Refinance Debt_Consolidation   206011
SAIF202621490     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/14/2026 05/18/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.   05/21/2026: Corrected grade     130000.00 XX Primary Refinance Debt_Consolidation   201687
SAIF202621490     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 05/15/2026 05/21/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $6,019.00 exceed the threshold of $4,139.00.         130000.00 XX Primary Refinance Debt_Consolidation   202030
SAIF202621490     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/19/2026 05/26/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   05/26/2026: received trailing     130000.00 XX Primary Refinance Debt_Consolidation   202456
SAIF202621490     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/15/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount fee increased from $1,144.00 to $3,419.00. Valid COC or additional cure of $2,275.00 required.   06/02/2026: CoC provided in trailing docs.     130000.00 XX Primary Refinance Debt_Consolidation   202025
SAIF202621490     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/15/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $570.00 to $690.00.  Valid COC or cure of $63.00 required   06/02/2026: CoC provided in trailing docs.     130000.00 XX Primary Refinance Debt_Consolidation   202027
SAIF202621907     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/28/2026 05/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   203723
SAIF202621907     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/28/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $753 to $827.50. Valid CoC or cure of $74.50 required. 06/11/2026: CoCs provided       50000.00 XX Primary Refinance Debt_Consolidation   203726
SAIF202621907     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RatiosCountedAllIncome 05/29/2026 06/11/2026 Cleared -Trailing Doc D A Credit Guidelines   Review DTI of 54.077% exceeds the max allowable DTI of 50% and the Lender DTI of 39.607% per the 1008. Upon receipt of the co-borrower's pension income documentation as required by guidelines, ratios will be re-calculated. 06/11/2026: provided trailing, no resulting DTI exception       50000.00 XX Primary Refinance Debt_Consolidation   204019
SAIF202621907     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerOtherIncome 06/01/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of pension income used to qualify the Co-Borrower.  File contains only her SS benefit statement. 06/11/2026: Provided trailing       50000.00 XX Primary Refinance Debt_Consolidation   204149
SAIF202621469     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 04/28/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the VOE within 10 days of closing.   05/01/2026: Provided in trailing docs.     145000.00 XX Primary Refinance CashOut_Other   198664
SAIF202621469     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/29/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,182.00 to $3,060.19. Valid COC or additional cure of $878.19 required.   05/15/2026: CoC provided in trailing docs.     145000.00 XX Primary Refinance CashOut_Other   198806
SAIF202621469     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/29/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 from the file.   05/01/2026: Provided in trailing docs.     145000.00 XX Primary Refinance CashOut_Other   198896
SAIF202621469     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/29/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   05/01/2026: Provided in trailing docs.     145000.00 XX Primary Refinance CashOut_Other   198906
SAIF202621613     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLInsuredAmount 04/24/2026 04/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         55000.00 XX Primary Refinance CashOut_Other   198221
SAIF202621613     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 04/27/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 2025 W-2 for the Borrower. Per XXXX guidelines the most recent 2 years W-2s are required and the file only contained the 2024 W-2 for the Borrower.  Both of the Co-Borrower's W2s were located in the file.   05/15/2026: Provided in trailing docs.     55000.00 XX Primary Refinance CashOut_Other   198313
SAIF202621576     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/10/2026 05/11/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $6,595.25 exceed the threshold of $4,413.82         155000.00 XX Primary Refinance Debt_Consolidation   200790
SAIF202621576     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/11/2026 05/12/2026 Waived D B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.   05/21/2026: corrected grade     155000.00 XX Primary Refinance Debt_Consolidation   200939
SAIF202621716     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsExists 05/01/2026 05/05/2026 Waived B B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive         157000.00 XX Primary Refinance CashOut_Other   199356
SAIF202621716     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/02/2026 05/05/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5,699.10 exceed the threshold of $4526.34.         157000.00 XX Primary Refinance CashOut_Other   199476
SAIF202621716     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/04/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains one CD issued 04/23/2026 and the closing date was 04/24/2026 which is less than 3 days.   05/21/2026: Provided in trailing docs.     157000.00 XX Primary Refinance CashOut_Other   199674
SAIF202621716     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/04/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,170 to $2,559.10, the Loan Origination Fee increased from $3,100 to $3,140 and the Appraisal Fee increased from $0.00 to $$665.00. The final CD reflects a tolerance cure of $665, however the cure is insufficient to cure the entire violation. Valid COC or additional cure of $1429.10 required.   05/21/2026: CoC provided in trailing docs.     157000.00 XX Primary Refinance CashOut_Other   199678
SAIF202621716     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 05/01/2026 05/22/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Pay Stubs for Borrower covering the most recent 30-day period as required by guidelines. The paystub in the file is dated for 3/8/2026 - 3/21/2026. 05/21/2026: Seller Response: Document available already in e-folder; Uploaded the doc again. Document uploaded on OD portal    05/21/2026: OD Reply: The paystub uploaded in trailing docs is the same paystub that was originally uploaded covering the pay period 03/08/2026 - 03/21/2026. The file is missing paystubs to cover the most recent 30-day period. 05/22/2026: paystub reflects YTD total, more than 30 days.     157000.00 XX Primary Refinance CashOut_Other   199341
SAIF202621716     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 05/01/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing for the Co-Borrower.   05/21/2026: Provided in trailing docs.     157000.00 XX Primary Refinance CashOut_Other   199350
SAIF202621564     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/22/2026 04/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         55000.00 XX Primary Refinance Debt_Consolidation   197821
SAIF202621564     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportNotes 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Credit Report from the file. The Credit Report provided in the file belongs to a different borrower.   05/15/2026: Provided in trailing docs.     55000.00 XX Primary Refinance Debt_Consolidation   197835
SAIF202621564     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stNote_Status 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Subject Note is missing from the file.  Unable to complete compliance testing.   05/15/2026: Note provided in trailing docs.     55000.00 XX Primary Refinance Debt_Consolidation   197870
SAIF202621564     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Final 1003 from the file.   05/15/2026: Provided in trailing docs.     55000.00 XX Primary Refinance Debt_Consolidation   197872
SAIF202621564     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information disclosure from the file.   05/15/2026: Provided in trailing docs.     55000.00 XX Primary Refinance Debt_Consolidation   197873
SAIF202621564     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stMortgage_Status 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Deed of Trust from the file.   05/15/2026: Provided in trailing docs.     55000.00 XX Primary Refinance Debt_Consolidation   197874
SAIF202621564     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C from the file.   05/15/2026: Provided in trailing docs.     55000.00 XX Primary Refinance Debt_Consolidation   197876
SAIF202621564     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_Status 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Final CD executed by the Borrower from the file. The file only contains 1 CD issued 4/10/2026.  Please provide all disclosures disclosed to the borrower.  Compliance testing incomplete due to missing documentation and will be retested upon receipt.   05/15/2026: Provided in trailing     55000.00 XX Primary Refinance Debt_Consolidation   197878
SAIF202621564     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TILA   This loan failed the TILA Right of Rescission Test.  The file is missing the Right To Cancel for both the borrower and non-borrowing spouse.   05/15/2026: Provided in trailing docs     55000.00 XX Primary Refinance Debt_Consolidation   197998
SAIF202621564     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance FACTADeliveryDate 04/23/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the Risk Based Pricing - Credit Score and Notice to Home Loan Applicant disclosures.  Evidence that they were delivered to the borrower is in file but copies of the disclosures are missing from the file.   05/15/2026: Provided in trailing docs.     55000.00 XX Primary Refinance Debt_Consolidation   198005
SAIF202621564     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/15/2026 06/11/2026 Cleared -Trailing Doc D A Compliance Documentation   ****NEW EXCEPTION****  Revised Closing Disclosure Delivery Date Test (No Waiting Period Required).  This loan failed the revised CD delivery date test due to the final CD dated 04/14/2026 was not signed at closing but was digitally signed on 05/08/2026. 05/29/2026: Seller response:  The 4/14 Closing Disclosure, which was signed by the borrower on 5/8, reflects a decrease in the recording fees. This revised 4/14 disclosure was intended to replace the CD signed by the borrower at closing (please see attached). However, it appears that at closing, the borrower signed a prior version that did not include the updated decrease in recording fees. Document uploaded on OD portal.    05/29/2026: OD reply:  The seller provided the final CD dated 04/14 signed by the borrowers at closing on 04/15.  However, the loan still fails as the redisclosed CD reflects the issue date of 04/14 which is prior to consummation and there is nothing in the file to evidence the borrower's were provided the redisclosed CD as a Post Consummation Closing Disclosure.    06/11/2026: Provided in trailing docs.       55000.00 XX Primary Refinance Debt_Consolidation   201965
SAIF202621486     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/04/2026 05/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         96500.00 XX Primary Refinance Debt_Consolidation   199534
SAIF202621486     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/04/2026 05/06/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4543.45 exceed the threshold of $4139.         96500.00 XX Primary Refinance Debt_Consolidation   199604
SAIF202621551     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance NOTE1BorrNameString_All 05/14/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Subject note missing in file.  Only note in file is a copy of the first lien.   06/02/2026: Provided in trailing docs.     54000.00 XX Primary Refinance CashOut_Other   201637
SAIF202621551     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/18/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the initial loan application for the borrower.   06/02/2026: Provided in trailing docs.     54000.00 XX Primary Refinance CashOut_Other   202359
SAIF202621551     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/18/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the initial loan application for the co-borrower.   06/02/2026: Provided in trailing docs.     54000.00 XX Primary Refinance CashOut_Other   202360
SAIF202621551     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/18/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. State Tax Stamps increased from $275.00 to $297.00. Valid COC or additional cure of $22.00 required.   06/02/2026: CoC provided in trailing docs.     54000.00 XX Primary Refinance CashOut_Other   202387
SAIF202621551     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/19/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     54000.00 XX Primary Refinance CashOut_Other   202447
SAIF202621762     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/15/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         75000.00 XX Primary Refinance CashOut_Other   201415
SAIF202620844     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/06/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimate dated 03/30/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 03/31/2026 but the next disclosure is a CD dated 04/14/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock.   06/02/2026: Provided in trailing docs.     109000.00 XX Primary Refinance CashOut_Other   200193
SAIF202621594     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/26/2026 04/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         106000.00 XX Primary Refinance CashOut_Other   198300
SAIF202621594     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 04/28/2026 05/29/2026 Cleared -Trailing Doc D A Compliance Documentation   This loan failed the High-Cost Mortgage Date the Rate Was Set Validation Test.  The file is missing evidence of Rate Lock Date. The iLE dated 3/31/2026 showed the rate was not locked. The only other LE in file is dated 4/2/2026 shows the rate was locked but there is no evidence in file of the actual lock date to validate an LE was timely/properly disclosed. Upon receipt of the rate lock documentation, compliance will be re-tested. 05/15/2026: seller reply: In progress 05/29/2026: lock data provided in trailing     106000.00 XX Primary Refinance CashOut_Other   198630
SAIF202621552     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/18/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   201497
SAIF202621552     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/14/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Condo Questionnaire Fee increased from $0.00 to $269.86. Total violation is $269.86. The Final CD reflects a tolerance cure of $137.60, however, the loan fails both the 0% tolerance and 10% tolerance tests by a combined total of $407.46.  Therefore, a cure of $137.60 is insufficient.  Additional cure of $269.86 is required to clear the violation or a valid COC.   06/02/2026: CoC provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   201639
SAIF202621552     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/14/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test. Fees increased from $804 to $1022. Total violation is $137.60.  The Final CD reflects a tolerance cure of $137.60, however, the loan fails both the 0% tolerance and 10% tolerance tests by a combined total of $407.46.  Therefore, a cure of $137.60 is insufficient.  Additional cure of $269.86 is required to clear the violation or a valid COC.   06/02/2026: CoC provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   201658
SAIF202621572     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/22/2026 04/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   197752
SAIF202621572     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $803 to $1115. Valid COC or cure of $312 required.   05/15/2026: CoC provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   197813
SAIF202621812     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/18/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         80000.00 XX Primary Refinance CashOut_Other   201454
SAIF202621522     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/24/2026 04/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   198145
SAIF202621522     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditHistoryMetGuidelines 04/24/2026 05/15/2026 Cleared -Trailing Doc C A Credit Guidelines   Credit history does not meet client underwriting guidelines. The credit reports used to evaluate a mortgage loan may not have Frozen Credit. The 04/08/2026 and /04/09/2026 credit reports in file reflect the Co-Borrower's TransUnion account is Frozen.   05/15/2026: Credit report meeting guidelines provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198147
SAIF202621522     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/24/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198148
SAIF202621523     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 04/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive         100000.00 XX Primary Refinance Debt_Consolidation   198893
SAIF202621523     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/29/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains only the final closing disclosure signed at closing, 04/20/2026.   05/18/2026: Provided in trailing docs.     100000.00 XX Primary Refinance Debt_Consolidation   198799
SAIF202621523     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/29/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   05/01/2026: Provided in trailing docs.     100000.00 XX Primary Refinance Debt_Consolidation   198890
SAIF202621565     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/24/2026 04/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   198139
SAIF202621565     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_Status 04/24/2026 05/15/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing Final Closing Disclosure signed by all borrowers, upon receipt compliance will be retested. The file contains only 1 CD issued 04/09/2026, e-signed by the borrower on the same date and the CD reflects a closing date of 04/17/2026.  Provide all CDs and CoCs disclosed to the borrower(s).   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198140
SAIF202621565     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToReceiveAppraisal_DocExist 04/24/2026 05/15/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Right to Receive Appraisal disclosure.   05/15/2026: Reviewed Final CD and Borrower was not charged an appraisal fee. Seller response: LO Response - There was no appraisal used on this loan. An AVM was used and I don't believe this disclosure was generated as there was no appraisal done.     50000.00 XX Primary Refinance CashOut_Other   198143
SAIF202621565     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/24/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   198144
SAIF202621699     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         104250.00 XX Primary Refinance CashOut_Other   201349
SAIF202621699     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/09/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $891.00 to $1412.59.  Valid CoC or cure of $521.59 required.   06/02/2026: Provided in trailing docs.     104250.00 XX Primary Refinance CashOut_Other   200787
SAIF202621699     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/09/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     104250.00 XX Primary Refinance CashOut_Other   200789
SAIF202621569     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/21/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Borrower's Initial 1003 from the file.  The final 1003 loan application is in the file but the initial is missing.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   197597
SAIF202621569     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDate 04/21/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Co-Borrower's Initial 1003 from the file.  The final 1003 loan application is in the file but the initial is missing.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   197598
SAIF202621569     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/21/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   05/15/2026: 1008 provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   197612
SAIF202621745     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/18/2026 05/19/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         229000.00 XX Primary Refinance CashOut_Other   202310
SAIF202621712     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/01/2026 05/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains one CD that issued 04/22/2026 and the closing date was 04/23/2026 which is less than 3 days.   05/20/2026: Initial CD provided in trailing docs.     58000.00 XX Primary Refinance CashOut_Other   199301
SAIF202621712     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/01/2026 05/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $0 to $735. The Final CD reflects a tolerance cure of $135, however it is insufficient to cure the exception.  Valid COC or additional cure of $600 required.   05/20/2026: CoC provided in trailing docs.     58000.00 XX Primary Refinance CashOut_Other   199302
SAIF202621574     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/02/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $$290.00. Valid COC or cure of $290.00 required.   05/21/2026: CoC provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   199478
SAIF202621574     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/02/2026 06/01/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $23.00  to $0.00.  Valid Change of Circumstance or Cure of $23 required. 05/21/2026: Seller Response: KT: General Lender credit on initial and revised LE. removed at initial CD 4/16.  Unable to identify reason for Lender credit or removal?? 06/01/2026: CoC provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   199479
SAIF202621631     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 04/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive         50000.00 XX Primary Refinance CashOut_Other   198866
SAIF202621631     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_Status 04/30/2026 05/20/2026 Cleared -Trailing Doc D A Compliance Documentation   The final executed CD dated 04/20/2026 is missing pages 3 and 4.   05/20/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   199090
SAIF202621954     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/10/2026 06/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1415 to $1477.50. Valid CoC or cure of $62.50 required. 06/18/2026: CoC and CD provided in trailing       50000.00 XX Primary Refinance CashOut_Other   205567
SAIF202621954     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 06/10/2026 06/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 05/28/2026 and the closing date was 05/28/2026 which is less than 3 days. 06/18/2026: CoC and CD provided in trailing       50000.00 XX Primary Refinance CashOut_Other   205568
SAIF202621649     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsExists 04/30/2026 05/04/2026 Waived B B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         200000.00 XX Primary Refinance CashOut_Other   199170
SAIF202621544     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/21/2026 04/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         149000.00 XX Primary Refinance Debt_Consolidation   197697
SAIF202621544     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerOTIncome 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of 2 consecutive years of overtime income from the file. The file contains a year-end paystub for 2025, but is missing the written verification of income referenced by the lender's income calculation worksheet for the OT income used in qualifying.   05/15/2026: Provided in trailing docs.     149000.00 XX Primary Refinance Debt_Consolidation   197776
SAIF202621543     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/19/2026 04/22/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   04/22/2026:  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     50000.00 XX Primary Refinance Debt_Consolidation   197393
SAIF202621578     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 04/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         74000.00 XX Primary Refinance Debt_Consolidation   198822
SAIF202621578     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/30/2026 05/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $855.00 to $1,317.20. Valid COC or cure of $462.20 required.   05/20/2026: CoC provided in trailing docs.     74000.00 XX Primary Refinance Debt_Consolidation   199073
SAIF202621578     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1GAAttorneyandWaiverFound 04/30/2026 05/20/2026 Cleared -Trailing Doc D A Credit Documentation   The Borrower's Acknowledgement of Rights is missing from the file.   05/20/2026: Notice on Security Instrument    05/20/2026:     74000.00 XX Primary Refinance Debt_Consolidation   199160
SAIF202621520     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/21/2026 04/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   197639
SAIF202621520     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   197770
SAIF202621520     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 04/14/2026 and the closing date was 04/15/2026 which is less than 3 days.  Provide all CDs disclosed to the borrower, compliance will be retested upon receipt.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   197773
SAIF202621520     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 04/22/2026 05/15/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan failed the MA High-Cost Home Loan Points and Fees Threshold Test. Points and fees of $2515 exceed the threshold of $2500.  Fees included in testing:  Loan Origination fee of $1000, Loan Discount Fee of $1065, Settlement/Closing fee of $425.00 and Title Tax Search Fee of $25.  A cure of $15 required.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   197774
SAIF202621212     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/01/2026 05/04/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $10,611.25 exceed the threshold of $6,416.62.         225000.00 XX Primary Refinance Debt_Consolidation   199292
SAIF202621212     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceCLTV_Difference 05/04/2026 06/11/2026 Cleared -Trailing Doc D A Credit CLTV   Lender's 1008 reflects LTV/CLTV of 20%.  Per documentation in file, the borrower has a first lien balance of $421,338.  Review calculated CLTV is 57.452% based on the loan amount and UPB of the senior lien.  Provide corrected 1008.    05/20/2026: Seller Response: Corrected 1008 uploaded. Document uploaded on OD portal 05/20/2026: Seller Response: Corrected 1008 uploaded. Document uploaded on OD portal    05/20/2026: OD Reply: The corrected 1008 dated 05/11/2026 still reflected CLTV of 20.00%. Review calculated CLTV is 57.452% based on the loan amount and UPB of the senior lien. Please provide corrected 1008 or an explanation as to how the Lender calculated the CLTV of 20.00%.    05/20/2026: OD Reply: The corrected 1008 dated 05/11/2026 still reflected CLTV of 20.00%. Review calculated CLTV is 57.452% based on the loan amount and UPB of the senior lien. Please provide corrected 1008 or an explanation as to how the Lender calculated the CLTV of 20.00%.    06/01/2026: Seller Response: In Process    06/11/2026: Provided in trailing docs.       225000.00 XX Primary Refinance Debt_Consolidation   199716
SAIF202621212     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/01/2026 05/01/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. **** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         225000.00 XX Primary Refinance Debt_Consolidation   199293
SAIF202621567     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 04/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         60000.00 XX Primary Refinance CashOut_Other   198886
SAIF202621567     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_EscrowPropertyCostsOverYear1 04/30/2026 05/20/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing page 4 of the Final CD.   05/20/2026: Provided in trailing docs.     60000.00 XX Primary Refinance CashOut_Other   199046
SAIF202621567     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 04/30/2026 05/20/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document.  The e-doc tracking documents in file belong to a different borrower and property.   05/20/2026: Provided in trailing docs.     60000.00 XX Primary Refinance CashOut_Other   199156
SAIF202621567     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1GAAttorneyandWaiverFound 04/30/2026 05/20/2026 Rescinded D A Credit Documentation   Missing the Borrower's Acknowledgement of Rights document from the file.   05/20/2026: Located document in file.     60000.00 XX Primary Refinance CashOut_Other   199154
SAIF202621577     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stNote_Status 04/30/2026 05/20/2026 Cleared -Trailing Doc D A Credit Documentation   The Note in the loan file is missing page 2, the signature page.  Please supply the complete note.   05/20/2026: Provided in trailing docs.     126000.00 XX Primary Refinance Debt_Consolidation   199153
SAIF202621566     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/28/2026 04/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         60000.00 XX Primary Refinance CashOut_Other   198635
SAIF202621687     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLInsuredAmount 05/05/2026 05/06/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a short form policy Commitment with a proposed amount of insurance of $51,000, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document reflecting coverage for the final loan amount of $58,881, is missing.    Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         58881.00 XX Primary Refinance Debt_Consolidation   199797
SAIF202621687     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/05/2026 06/26/2026 Waived D B Compliance TRID   This loan failed the revised closing disclosure delivery date test (waiting period required).  The file contains to CDs; with dates issued of 04/20 and 04/24.  The 04/24 CD was signed at closing and there is no evidence in file when this CD was received by the borrower other than to assume it was received when signed, at closing on 04/25.  All LEs and the iCD reflect an interest rate of 9.5%, the final CD reflects the interest rate of 8.875% which matches the note.  Rate lock information in file reflects the rate changed but does not provide the date to validate when the rate was changed between the 04/20 and 04/24 CDs.  Without a valid CoC to confirm the rate change date, the APR and Finance Charge tolerances exceeding allowable limits, a 3-day wait period was required. Please provide valid CoC reflecting the rate change and evidence when the fCD was disclosed to the borrower and compliance will be retested. 06/02/2026: Seller Response: In Process    06/11/2026: CoC for rate change the day of closing was provided, however loan still fails due to:  The fCD 04/24 calculated APR was 9.474% and the disclosed APR on the rCD 04/20 was 10.187%.  The difference is greater than .125% (in either direction), so the TRID APR Tolerance Exceeded Finding is Yes.  Calculated finance charge on the fCD 04/24 was $112,831.55 and the disclosed finance charge on the rCD 04/20 was lower at $75,621.86.  Therefore the disclosed finance charge was understated, and the APR was considered inaccurate.  ****ESCALATED TO CLIENT REVIEW****    06/17/2026: Seller Response:  Under review by leadership    06/26/2026: Client has agreed to downgrade waive this exception for loans SAIF202621687 and SAIF202621689 but advised the seller they will not accept these types of issues moving forward.       58881.00 XX Primary Refinance Debt_Consolidation   199798
SAIF202621687     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/04/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $913.00 to $1,489.69 and the Loan Origination Fee increased from $1,020.00  to $1,177.62. Valid CoC or cure of $734.31 required.   06/02/2026: Provided in trailing docs.     58881.00 XX Primary Refinance Debt_Consolidation   199590
SAIF202621886     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/28/2026 06/01/2026 Waived B B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         180000.00 XX Primary Refinance Debt_Consolidation   203727
SAIF202621886     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/28/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $4464 to $4392.  Valid Change of Circumstance or Cure of $72. 06/11/2026: CoCs provided       180000.00 XX Primary Refinance Debt_Consolidation   203732
SAIF202621886     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/01/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $3000 to $3600 and the Appraisal Fee increased from $0 to $610. Valid CoC or cure of $1210 required. 06/11/2026: CoCs provided       180000.00 XX Primary Refinance Debt_Consolidation   204148
SAIF202621694     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 05/01/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         102000.00 XX Primary Refinance CashOut_Other   198932
SAIF202621693     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/29/2026 04/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive         64000.00 XX Primary Refinance CashOut_Other   198836
SAIF202621693     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 04/29/2026 05/20/2026 Cleared -Trailing Doc D A Credit Documentation   The 4506-C is missing from the file.   05/20/2026: Provided in trailing docs.     64000.00 XX Primary Refinance CashOut_Other   198849
SAIF202621693     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/30/2026 05/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,427.00 to $1,507.20. Valid COC or cure of $80.20 required.   05/20/2026: CoC provided in trailing docs.     64000.00 XX Primary Refinance CashOut_Other   199034
SAIF202621614     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/27/2026 04/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         65000.00 XX Primary Refinance CashOut_Other   198428
SAIF202621614     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/28/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 for the Borrower.   05/01/2026: Provided in trailing docs.     65000.00 XX Primary Refinance CashOut_Other   198698
SAIF202621614     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/28/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 for the Co-Borrower.   05/01/2026: Provided in trailing docs.     65000.00 XX Primary Refinance CashOut_Other   198699
SAIF202621614     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 04/28/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing for the Borrower.   05/15/2026: Provided in trailing docs.     65000.00 XX Primary Refinance CashOut_Other   198700
SAIF202621614     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 04/28/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 2025 W-2 for the Co-Borrower. The file only contained the 2024 W-2.   05/15/2026: Provided in trailing docs.     65000.00 XX Primary Refinance CashOut_Other   198701
SAIF202621614     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/28/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   05/01/2026: Provided in trailing docs.     65000.00 XX Primary Refinance CashOut_Other   198704
SAIF202621781     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/21/2026 05/26/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         105325.00 XX Primary Refinance CashOut_Other   202896
SAIF202621781     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/21/2026 05/26/2026 Waived B B Compliance State Violation   This loan failed the IN HLPA High-Cost Mortgage Loan Points and Fees Threshold Test.  Total points and fees of $5333.82 exceeds threshold limit of $5266.25 by  $67.57.         105325.00 XX Primary Refinance CashOut_Other   203000
SAIF202621781     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/26/2026 05/26/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test. Total points and fees of $4942.82 exceed the threshold of $4139.         105325.00 XX Primary Refinance CashOut_Other   203271
SAIF202621781     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/26/2026 05/26/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees included of $6,379.18 exceed threshold of $3,159.75 by $3,219.43.  Borrower paid fees included in testing:  CPL $60, Flood Cert $6, Origination Fee $1,356.50,  Discount Pts $3,586.32, Prepaid Int $295.36 and Settlement Fee $325. Lender paid fees included in testing: Origination Fee $750. Downgrade and waive per client instruction via email chain 01/19/2026         105325.00 XX Primary Refinance CashOut_Other   203272
SAIF202621781     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/21/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,806 to $3,586.32 and the Appraisal Fee increased from $165 to $630. Valid CoC or cure of $1,245.32 is required. 06/11/2026: CoCs provided in trailing docs.       105325.00 XX Primary Refinance CashOut_Other   202998
SAIF202621598     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceEffectiveDate_Latest 05/14/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Homeowners Insurance Policy from the file.   06/02/2026: Provided in trailing docs.     75000.00 XX Primary Refinance CashOut_Other   201759
SAIF202621696     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/28/2026 04/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   198682
SAIF202621696     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_FloodCert_Status 04/28/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   The Flood cert is missing from the file.   05/01/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   198685
SAIF202621696     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 04/28/2026 05/01/2026 Cleared -Trailing Doc D A Compliance Documentation   The file is missing the e-Consent.  The file contains documents e-signed by the borrower dated as early as 04/09/2026. There is no electronic document tracking or other evidence in file of e-consent.   05/01/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   198690
SAIF202621696     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/28/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test. Lender Credit decreased from $185.00  to $122.50. Valid CoC or Cure of $62.50 is required.   05/15/2026: CoC provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   198696
SAIF202621696     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceCLTV_Difference 05/15/2026 06/01/2026 Cleared -Trailing Doc A A Credit Documentation   ***New Exception*** The 1008 provided in the file used an appraised value of $1,100,000, however, the only property valuation model in file is an AVM with a value of $972,820. Review LTV/CLTV is 5.140% / 34.436% and the Lender LTV/CLTV is 4.545% / 30.688%. Please provide a corrected 1008, an additional property valuation model or an explanation for the LTV/CLTV discrepancy.         50000.00 XX Primary Refinance Debt_Consolidation   202076
SAIF202621696     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/28/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  The 1008 in file belongs to a different borrower and property.  Review unable to validate the ratios used to qualify the loan.   05/15/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   198673
SAIF202621688     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/14/2026 05/18/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         54000.00 XX Primary Refinance CashOut_Other   201599
SAIF202621688     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/18/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     54000.00 XX Primary Refinance CashOut_Other   202300
SAIF202621688     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/15/2026 06/26/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $630 to $740. Total violation is $47. The post closing CD reflects a tolerance cure of $80, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $103, therefore the cure is insufficient. Additional cure of $23 to clear total violation or CoC required. 06/02/2026: Seller Response: Refund Pending     06/11/2026: Seller Response: Refund Pending    06/17/2026: Seller Response: Refund Pending    06/26/2026: PCCD and proof of reimbursement provided in trailing docs.       54000.00 XX Primary Refinance CashOut_Other   201967
SAIF202621688     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/15/2026 06/26/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The City/County Tax Stamps Fee increased from $700 to $756. Total violation is $56. The post closing CD reflects a tolerance cure of $80, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $103, therefore the cure is insufficient. Additional cure of $23 to clear total violation or CoC required. 06/02/2026: Seller Response: Refund Pending     06/11/2026: Seller Response: Refund Pending    06/17/2026: Seller Response: Refund Pending    06/26/2026: PCCD and proof of reimbursement provided in trailing docs.       54000.00 XX Primary Refinance CashOut_Other   201969
SAIF202621630     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomePerBorrowerWOE 04/29/2026 05/15/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Written Verification of Income to validate 2 years of overtime income. Per the Income Calculation Worksheet in file a VOI was utilized to calculate and validate overtime income.   05/15/2026: Provided in trailing docs.     70000.00 XX Primary Refinance CashOut_Other   198793
SAIF202621630     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance 1008_Present 04/29/2026 05/01/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   05/01/2026: Provided in trailing docs.     70000.00 XX Primary Refinance CashOut_Other   198794
SAIF202621630     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalNotes 04/29/2026 05/15/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the Valuation Model used to qualify the loan. The file contained 2 AVMs which belong a different borrower and property. Unable to determine LTV/CLTV.   05/15/2026: Provided in trailing docs     70000.00 XX Primary Refinance CashOut_Other   198795
SAIF202621630     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 04/29/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $815 to $1018.50 and the Loan Origination Fee increased from $1000 to $1400. Valid COC or cure of $603.50 required.   05/15/2026: CoC provided in trailing docs.     70000.00 XX Primary Refinance CashOut_Other   198796
SAIF202621763     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/12/2026 05/14/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   201270
SAIF202621806     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/18/2026 05/19/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         130925.00 XX Primary Refinance CashOut_Other   202316
SAIF202621806     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/19/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $1,700.00 to $2,618.50. Valid CoC or cure of $918.50 required.   06/02/2026: CoC provided in trailing docs.     130925.00 XX Primary Refinance CashOut_Other   202395
SAIF202621633     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/05/2026 05/06/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5,008.50 exceed the threshold of $4,139.00.         106000.00 XX Primary Refinance CashOut_Other   199793
SAIF202621633     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/04/2026 05/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         106000.00 XX Primary Refinance CashOut_Other   199587
SAIF202621633     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/05/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,523 to $2,888.50. Valid COC or cure of $365.50 required. 06/01/2026: Seller Response: COC form uploaded .Document uploaded on OD portal    06/01/2026: OD Reply: The CoC provided was tied to the 04/20/2026 LE; however, the 04/20 LE was not included in the file. Please provide the 04/20 LE.    06/11/2026: Provided in trailing docs.       106000.00 XX Primary Refinance CashOut_Other   199792
SAIF202621633     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/04/2026 06/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Final 1003 from the file.   06/01/2026: Provided in trailing docs.     106000.00 XX Primary Refinance CashOut_Other   199556
SAIF202621633     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stNote_Status 05/05/2026 06/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing page 2 of the Note.   06/01/2026: Provided in trailing docs.    06/01/2026: Provided in trailing docs.     106000.00 XX Primary Refinance CashOut_Other   199820
SAIF202621633     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 05/05/2026 06/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information Form from the file.   06/01/2026: Provided in trailing docs.     106000.00 XX Primary Refinance CashOut_Other   199821
SAIF202621633     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportDate 05/05/2026 06/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the credit report from the file. The credit report provided is for a different borrower. Upon receipt the DTI will be calculated and credit score validated.   06/01/2026: Provided in trailing docs.     106000.00 XX Primary Refinance CashOut_Other   199826
SAIF202621633     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/05/2026 06/01/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan failed the MN Financed Lender Fees Test. The loan has financed lender fees that exceed 5% of the loan amount. Lender financed fees of $5030.58 exceed the $5005.01 threshold. Borrower paid fees included in test:  Prepaid Interest $22.08,  Origination fee $2120 and, Discount pt fee $2888.50.   06/01/2026: PCCD provided in trailing docs.     106000.00 XX Primary Refinance CashOut_Other   199834
SAIF202621662     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/22/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,419 to $1,548 and the Loan Origination Fee increased from $1,100 to $1,200.  A Valid CoC or cure of $229 is required. 06/11/2026: CoC provided in trailing docs.       60000.00 XX Primary Refinance Debt_Consolidation   203138
SAIF202621659     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/12/2026 05/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         95000.00 XX Primary Refinance Debt_Consolidation   201155
SAIF202621659     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/12/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,963.00 to $2,356.00. A valid CoC or cure of $393.00 required. 06/02/2026: Seller Response: COC form uploaded. Document uploaded on OD portal    06/02/2026: OD Reply: CoC was not located in the loan. Please re-upload doc to OD Portal.    06/11/2026: Provided in trailing docs.       95000.00 XX Primary Refinance Debt_Consolidation   201199
SAIF202621636     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/26/2026 05/26/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         119300.00 XX Primary Refinance CashOut_Other   203332
SAIF202621636     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/22/2026 06/11/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan charged one or more fees prohibited under the MI Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction.  only reasonable and necessary charges that are the actual expenses incurred by the lender in connection with making, closing, disbursing, extending a secondary mortgage can be charged in a secondary mortgage loan transaction.  Total prohibited fee is $5.97, fees included in test are:  Discount Point fee (the portion paid by the Borrower). 06/11/2026: Rate lock provided, Discount fee is bona fide, compliance retested, exception cleared.       119300.00 XX Primary Refinance CashOut_Other   203099
SAIF202621636     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/22/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $2,000 to $2,386. Valid CoC or cure of $386 is required. 06/11/2026: CoC and additional CDs provided in trailing docs.       119300.00 XX Primary Refinance CashOut_Other   203096
SAIF202621636     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/22/2026 05/26/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         119300.00 XX Primary Refinance CashOut_Other   203097
SAIF202621634     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/14/2026 Waived B B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 250k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         260000.00 XX Primary Refinance Debt_Consolidation   201353
SAIF202621634     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 05/14/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a letter of explanation for the credit inquiry with XXXX on 04/03/2026.   06/02/2026: Provided in trailing docs.     260000.00 XX Primary Refinance Debt_Consolidation   201602
SAIF202621634     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceCLTV_Difference 05/14/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Lender CLTV of 84.939 is based on subject loan amount of $260,000, UPB of senior lien of $251,331 and appraised value of $602,000. The Lender 1008 CLTV is 43.189%. Provide updated 1008 or explanation for CLTV discrepancy.   06/02/2026: Updated 1008 provided in trailing docs.     260000.00 XX Primary Refinance Debt_Consolidation   201607
SAIF202621650     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/30/2026 05/05/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive         149400.00 XX Primary Refinance Debt_Consolidation   199224
SAIF202621735     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/08/2026 05/08/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         52000.00 XX Primary Refinance Debt_Consolidation   200603
SAIF202621735     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/08/2026 05/08/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.677% APR exceeds the 9.450% threshold to qualify for a safe harbor.         52000.00 XX Primary Refinance Debt_Consolidation   200604
SAIF202621651     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/05/2026 05/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         74000.00 XX Primary Refinance CashOut_Other   199782
SAIF202621660     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/14/2026 05/19/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         54000.00 XX Primary Refinance CashOut_Other   201613
SAIF202621904     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/14/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         145000.00 XX Primary Refinance CashOut_Other   201374
SAIF202621904     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/13/2026 05/14/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,937.25  exceed the threshold of $4,169.63.         145000.00 XX Primary Refinance CashOut_Other   201412
SAIF202621904     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/13/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,131 to $2037.25 and the Appraisal Fee increased from $165 to $635. Valid CoC or cure of $1,376.25 is required.   06/02/2026: CoCs provided in trailing docs.     145000.00 XX Primary Refinance CashOut_Other   201411
SAIF202621658     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/11/2026 05/11/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   200886
SAIF202621658     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/11/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   200899
SAIF202621971     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/22/2026 05/27/2026 Waived B B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         250000.00 XX Primary Refinance CashOut_Other   203008
SAIF202621971     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/27/2026 05/27/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $8387.50 exceed the threshold of $7219.10.         250000.00 XX Primary Refinance CashOut_Other   203470
SAIF202621971     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/22/2026 06/26/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $0 to $865. Valid CoC or cure of $865 required. 06/11/2026: Seller Response: Refund Pending    06/17/2026: Seller Response: Refund Pending    06/26/2026: PCCD and proof of reimbursement provided in trailing docs.       250000.00 XX Primary Refinance CashOut_Other   203010
SAIF202621787     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLInsuredAmount 05/26/2026 05/26/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a Junior Loan Policy with an insured about of $50,000, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document with the final loan amount of $65,900, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         65900.00 XX Primary Refinance Debt_Consolidation   203262
SAIF202621684     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsExists 05/26/2026 05/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         149000.00 XX Primary Refinance CashOut_Other   203427
SAIF202621684     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/26/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimate dated 04/08/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 04/08/2026 but the next disclosure is a CD dated 04/23/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 06/11/2026: rLE provided       149000.00 XX Primary Refinance CashOut_Other   203453
SAIF202621684     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stNote_Status 05/26/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   The loan file is missing page 2 of the subject note including signatures. 06/11/2026: provided trailing       149000.00 XX Primary Refinance CashOut_Other   203425
SAIF202621684     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/26/2026 05/28/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         149000.00 XX Primary Refinance CashOut_Other   203454
SAIF202621675     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/01/2026 05/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         57000.00 XX Primary Refinance Debt_Consolidation   199354
SAIF202621782     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/21/2026 05/26/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         59500.00 XX Primary Refinance Debt_Consolidation   202964
SAIF202621782     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/21/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,144.00 to $1,163.23 and the Loan Origination Fee increased from $1,170.00 to $1,190.00. Valid CoC or cure of $39.23 required. 06/11/2026: CoC provided in trailing docs.       59500.00 XX Primary Refinance Debt_Consolidation   203002
SAIF202621761     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/11/2026 05/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   201023
SAIF202621761     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/13/2026 05/13/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         50000.00 XX Primary Refinance Debt_Consolidation   201386
SAIF202621761     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/13/2026 05/13/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.177 % APR exceeds the 9.450 % threshold to qualify for a safe harbor.         50000.00 XX Primary Refinance Debt_Consolidation   201388
SAIF202621761     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/11/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   05/21/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   201022
SAIF202621700     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/12/2026 05/18/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   201273
SAIF202621883     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/22/2026 05/27/2026 Waived B B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         350000.00 XX Primary Refinance CashOut_Other   203012
SAIF202621772     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/12/2026 05/14/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         120000.00 XX Primary Refinance CashOut_Other   201259
SAIF202621772     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/14/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   05/21/2026: provided trailing     120000.00 XX Primary Refinance CashOut_Other   201696
SAIF202621730     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/28/2026 05/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         73000.00 XX Primary Refinance Debt_Consolidation   203874
SAIF202621730     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/29/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test.  The Loan Discount Fee increased from $1,518 to $2,065.90 and the State tax/Stamps Fee increased from $90 to $109.50.  Valid CoC or cure of $567.40 is required. 06/11/2026: CoCs provided    06/11/2026: CoCs provided, update exception grade       73000.00 XX Primary Refinance Debt_Consolidation   203977
SAIF202621730     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance FrozenAccount 06/01/2026 06/11/2026 Cleared -Trailing Doc D A Credit Guidelines   The Co-Borrower's Experian credit repository was frozen per the most recent credit report in file. Per underwriting guidelines, credit reports may not have frozen credit. 06/11/2026: Unfrozen report provided in trailing       73000.00 XX Primary Refinance Debt_Consolidation   204150
SAIF202621695     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/30/2026 05/04/2026 Waived D B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing   05/04/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.     95000.00 XX Primary Refinance Debt_Consolidation   199177
SAIF202621695     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/04/2026 05/05/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4322.25 exceed the threshold of $4139.         95000.00 XX Primary Refinance Debt_Consolidation   199631
SAIF202621695     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/04/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2155 to $2522.25. Valid COC or cure of $367.25 required.   05/21/2026: CoC provided in trailing docs.     95000.00 XX Primary Refinance Debt_Consolidation   199629
SAIF202621741     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/06/2026 05/08/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         70000.00 XX Primary Refinance Debt_Consolidation   200057
SAIF202621703     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 06/08/2026 06/17/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclousre Delivery  Date Test.  The file contains an Loan Estimated dated 04/10/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 04/10/2026 but the next disclosure LE  dated 05/13/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 06/17/2026: LE provided in trailing       53000.00 XX Primary Refinance Debt_Consolidation   205292
SAIF202621703     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceBEDTI_Difference 06/09/2026 06/17/2026 Cleared -Trailing Doc D A Credit DTI   Review DTI of 40.647% exceeds Lender DTI of 35.173%. Lender qualified Borrower with an income of $7804/mth per the 1008 and final 1003 Loan Application; however, per the Income Calculation Worksheet and income documents in file, Review calculates income of $6753.72/mth. Provide updated 1008 or explanation for Lender income calculation of $7804/mth. 06/17/2026: Seller provided updated 1008 in trailing docs as well as an updated loan application reflecting the borrower's income of $6753.72.       53000.00 XX Primary Refinance Debt_Consolidation   205483
SAIF202621703     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 06/17/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   ****NEW EXCEPTION**** Seller provided updated final 1003 in trailing docs to reflect the borrower's corrected, qualifying income of $6753.72/mo, however the 1003 is not signed by the borrower and loan officer.  Please provide executed copy. 06/26/2026: Seller response: LP is working to get corrected Final 1003 signed and dated by Borrower and LO    07/16/2026: Provided in trailing docs.       53000.00 XX Primary Refinance Debt_Consolidation   206780
SAIF202621996     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/21/2026 05/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report with a loan amount of $71,500, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document with the final loan amount of $81,125, is missing.   Per client, seller to provide MHELP w/in 90 days of closing         81125.00 XX Primary Refinance Debt_Consolidation   202907
SAIF202621996     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/27/2026 05/27/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         81125.00 XX Primary Refinance Debt_Consolidation   203506
SAIF202621996     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/27/2026 05/27/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.489% APR exceeds the 9.480% threshold to qualify for a safe harbor.         81125.00 XX Primary Refinance Debt_Consolidation   203508
SAIF202621996     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/21/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test.  The Loan Discount Fee increased from $1,766.00 to $2,003.79 and the Loan Origination Fee increased from $1,430.00 to $1,622.50. Valid CoC or cure of $430.29 is required. 06/11/2026: CoC provided in trailing docs.       81125.00 XX Primary Refinance Debt_Consolidation   202965
SAIF202621702     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/24/2026 05/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing         100000.00 XX Primary Refinance CashOut_Other   203174
SAIF202621746     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/20/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee from $1,991 to $3,066 and the Transfer Taxes increased from $105 to $140. Valid CoC or cure of $1,110 is required. 06/11/2026: CoCs provided in trailing docs.       70000.00 XX Primary Refinance Debt_Consolidation   202865
SAIF202621764     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/27/2026 05/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   203667
SAIF202621764     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalMoHOAFees 05/27/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   The loan file is missing the HOA Fee statement or evidence to confirm the monthly HOA fee reflected on the 1008. 06/11/2026: Provided trailing       50000.00 XX Primary Refinance CashOut_Other   203668
SAIF202621701     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/19/2026 05/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         53000.00 XX Primary Refinance CashOut_Other   202614
SAIF202621701     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/19/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $815 to $863.90 and the Loan Origination Fee increased from $1000 to $1060. Total violation is $108.90. The final CD reflects a tolerance cure of $55.20, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $131.10, therefore the cure is insufficient. Additional cure of $75.90 to clear total violation or CoC required. 06/11/2026: CoC provided in trailing docs.       53000.00 XX Primary Refinance CashOut_Other   202619
SAIF202621701     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/19/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $828 to $933.  Total violation is $22.20. The final CD reflects a tolerance cure of $55.20, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $131.10, therefore the cure is insufficient. Additional cure of $75.90 to clear total violation or CoC required. 06/11/2026: CoC provided in trailing docs.       53000.00 XX Primary Refinance CashOut_Other   202620
SAIF202621785     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/14/2026 05/14/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         70000.00 XX Primary Refinance CashOut_Other   201624
SAIF202621785     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 05/12/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a letter of explanation of recent credit inquiries with XXXX on 04/07/2026. 06/02/2026: Seller Response: Credit report shows that an account with XXXX opened on 04/07/2026 hence CIL is not required 06/02/2026: Provided in trailing - Inquiry was opened and reporting on credit.     70000.00 XX Primary Refinance CashOut_Other   201237
SAIF202621785     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/13/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $865.00 to $1,421.00, the Loan Origination Fee increased from $1,000.00 to $1,400.00 and Transfer Taxes increased from $150.00 to $210.00. A Valid CoC or cure of $1,016.00 is required.   06/02/2026: CoC provided in trailing docs.     70000.00 XX Primary Refinance CashOut_Other   201484
SAIF202622271     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/24/2026 06/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   207682
SAIF202622271     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/24/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207683
SAIF202622271     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 06/23/2026 07/09/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207585
SAIF202622271     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 06/23/2026 07/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in the file was issued 06/05/2026 and the closing date was 06/09/2026.  The Closing Instructions indicate the Initial Closing Disclosure was received 06/04 and the document date is 06/09 but there is no CD dated 06/09 or 06/04. There is no disclosure tracking summary in file or e-doc tracker supporting the customer received the CD dated 06/05 prior to closing on 06/09 when the borrower signed and dated the CD. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207595
SAIF202621750     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/29/2026 05/29/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $7886 exceed the threshold of $4846.37.         170000.00 XX Primary Refinance Debt_Consolidation   204011
SAIF202621740     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/28/2026 04/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive         50000.00 XX Primary Refinance Debt_Consolidation   198746
SAIF202621740     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_FloodCert_Status 04/28/2026 05/20/2026 Cleared -Trailing Doc D A Credit Documentation   The flood cert is missing from the file.   05/20/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   198747
SAIF202621740     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stNote_Status 04/28/2026 06/01/2026 Cleared -Trailing Doc D A Credit Documentation   Missing page 2 of the Note. 05/20/2026: Seller response: Note is uploaded. Document uploaded on OD portal    05/20/2026: OD reply: Seller uploaded a Note that belongs to different borrower / property / loan. Please re-upload the complete Note (page 2 was not located in the file). 06/01/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   198744
SAIF202621740     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 04/28/2026 05/20/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  The 1008 in file belongs to a different borrower and property.  Review unable to validate the ratios used to qualify the loan.   05/20/2026: Provided in trailing docs.     50000.00 XX Primary Refinance Debt_Consolidation   198745
SAIF202621744     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/14/2026 05/14/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         60500.00 XX Primary Refinance Debt_Consolidation   201654
SAIF202621825     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/27/2026 05/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance CashOut_Other   203717
SAIF202621825     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 05/27/2026 06/11/2026 Cured D B Credit Documentation   Missing VOE dated within 10 days of closing. The file only contains a WVOE dated 04/22/2026 and the loan closed 05/20/2026. 06/11/2026: Provided VVOE post-close       100000.00 XX Primary Refinance CashOut_Other   203719
SAIF202621823     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/27/2026 05/28/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         53000.00 XX Primary Refinance CashOut_Other   203663
SAIF202621823     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/28/2026 05/28/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.783 % APR exceeds the 9.480 % threshold to qualify for a safe harbor.         53000.00 XX Primary Refinance CashOut_Other   203776
SAIF202621807     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/20/2026 05/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         70000.00 XX Primary Refinance Debt_Consolidation   202709
SAIF202621807     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/22/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $91 to $178.50. A Valid CoC or additional cure of $87.50 is required. 06/11/2026: CoC provided in trailing docs.       70000.00 XX Primary Refinance Debt_Consolidation   203007
SAIF202621748     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/08/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan   05/21/2026: Provided trailing     50000.00 XX Primary Refinance Debt_Consolidation   200593
SAIF202621970     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/21/2026 06/11/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan failed the IA prohibited fees test by $255.00.  Fees included in the test:  Title Opinion Letter Fee. 06/11/2026: Seller response:  Iowa code 535.8 (loan charges), documents that Attorney opinions, the purpose of this fee, is an allowable fee that a lender can charge a borrower.    06/11/2026: OD Reply: review of seller's response and fee name sent to compliance engine, OD retested naming this fee as Attorney fee instead of Title Other Services fee, exception cleared       149999.00 XX Primary Refinance Debt_Consolidation   202946
SAIF202621902     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/28/2026 05/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   203733
SAIF202622450     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/08/2026 07/08/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         75000.00 XX Primary Refinance CashOut_Other   210038
SAIF202622450     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance HazardCertPropAddr 07/08/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The Homeowners Insurance Policy reflects the insured premises to be XXXX, whereas the subject property address is XXXX 07/27/2026: Supporting material provided in trailing docs, Assessor's parcel # shows addresses are 1 in the same.       75000.00 XX Primary Refinance CashOut_Other   210039
SAIF202621743     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/14/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         78700.00 XX Primary Refinance CashOut_Other   201364
SAIF202621743     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/14/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 Loan Application. The file only contained 2 copies of the Final 1003 Loan Application.   05/21/2026: Provided trailing     78700.00 XX Primary Refinance CashOut_Other   201659
SAIF202621743     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/14/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   05/21/2026: Provided trailing     78700.00 XX Primary Refinance CashOut_Other   201662
SAIF202621743     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 05/14/2026 05/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the high-cost mortgage date the rate was set validation test. The rate lock date documentation was not provided.  The file contains only 1 LE which was issued on 04/13/2026 reflecting the loan was not locked.  The Product and Pricing sheets in file reflect the loan was not locked.  There is no CoC, e-Doc tracking, Rate Lock agreement, or other to validate when the loan was locked.   05/21/2026: provided trailing     78700.00 XX Primary Refinance CashOut_Other   201663
SAIF202621778     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/08/2026 05/12/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 9.928%. The APR threshold to qualify for a safe harbor is 9.870%         160000.00 XX Primary Refinance Debt_Consolidation   200655
SAIF202621778     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/12/2026 05/12/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         160000.00 XX Primary Refinance Debt_Consolidation   201172
SAIF202621778     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/12/2026 05/12/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         160000.00 XX Primary Refinance Debt_Consolidation   201181
SAIF202621778     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/08/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     160000.00 XX Primary Refinance Debt_Consolidation   200657
SAIF202621771     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         125000.00 XX Primary Refinance Debt_Consolidation   201444
SAIF202621771     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/13/2026 05/13/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5,818.75 exceed the threshold of $4,139.00.         125000.00 XX Primary Refinance Debt_Consolidation   201450
SAIF202621771     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/12/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,655 to $3,318.75, the Loan Origination Fee increased from $2,000 to $2,500 and State Tax/Stamps increased from $230 to $287.50.  A valid CoC or cure of $1,221.25 is required.   06/02/2026: CoC provided in trailing docs.     125000.00 XX Primary Refinance Debt_Consolidation   201168
SAIF202621771     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/12/2026 06/27/2026 Cured D B Compliance State Violation   This loan failed the MN Financed Lender Fees Test. The Lender financed fees of $6474.91 exceeded the threshold of $5880.86, or 5% of the loan amount. Borrower paid fees included in testing: Origination fee - $2500, Discount Points - $3318.75 and Prepaid Interest - $656.16. License type of Minnesota Residential Mortgage Originator License was used to test compliance.  If Lender has different license, please provide and compliance will be retested. 06/02/2026: Seller Response: Refund Pending     06/11/2026: Seller Response: Refund Pending    06/27/2026: PCCD and cure provided in trailing docs.       125000.00 XX Primary Refinance Debt_Consolidation   201173
SAIF202621742     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         88000.00 XX Primary Refinance Debt_Consolidation   201419
SAIF202621742     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/12/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,175.00 to $1,874.40. Valid CoC or cure of $699.40 required.   06/02/2026: Provided in trailing docs.     88000.00 XX Primary Refinance Debt_Consolidation   201079
SAIF202621770     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/09/2026 05/12/2026 Waived B B Compliance TRID   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         111000.00 XX Primary Refinance Debt_Consolidation   200780
SAIF202621770     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/09/2026 06/26/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,345.00 to $2,891.55 and the Transfer Taxes increased from $270.00 to $333.00.  Valid CoC or cure of $609.55 required. 06/02/2026: Seller Response: Please See COC forms. Please note: A refund will be given for the transfer tax in the amount of $63.00  Document uploaded on OD portal    06/02/2026: OD Reply: CoC provided, compliance retested, still fails by $63.  Per client refund will be provided.    06/11/2026: Seller Response: Refund Pending    06/17/2026: Seller Response: Refund Pending    06/26/2026: CoC, PCCD and evidence of refund provided in trailing docs.       111000.00 XX Primary Refinance Debt_Consolidation   200783
SAIF202621765     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_TPOL_Status 05/28/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   Missing all pages of the Junior Loan Title Policy. The file contains only pages 1 and 2 of 8 pages.  Pages 3-8 are missing. 06/11/2026: Provided trailing       50000.00 XX Primary Refinance CashOut_Other   203763
SAIF202621765     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceCLTV_Difference 05/28/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   The CLTV on the 1008 of 7.994% is the same as the LTV and does not reflect the first lien in the ratio. Please provide an updated 1008 or an explanation for the Lender's CLTV calculation. 06/11/2026: provided trailing       50000.00 XX Primary Refinance CashOut_Other   203766
SAIF202621888     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/03/2026 06/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         125000.00 XX Primary Refinance CashOut_Other   204640
SAIF202621779     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TitleSearch_DocExists 05/13/2026 05/18/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance Debt_Consolidation   201492
SAIF202621779     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/18/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     100000.00 XX Primary Refinance Debt_Consolidation   202298
SAIF202621821     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/12/2026 05/18/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   201196
SAIF202621821     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerAwardOfferLetter 05/12/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Social Security Award letter for the Borrower from the file. The only Social Security Award letter in the file was for the Co-Borrower.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   201200
SAIF202621991     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/26/2026 05/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   203409
SAIF202621991     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/26/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $165 to $1,800. A Valid CoC or cure of $1,635 is required. 06/11/2026: CoCs provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   203438
SAIF202621857     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   201397
SAIF202621857     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/13/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. The 1008 in file belongs to a different borrower and property. Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   201409
SAIF202621857     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/11/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimate dated 04/18/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 04/20/2026 but the next disclosure is a CD dated 04/28/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock.   06/02/2026: Provided in trailing docs.    06/02/2026:     50000.00 XX Primary Refinance CashOut_Other   201044
SAIF202621857     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/13/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 Loan Application from the file.   05/21/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   201396
SAIF202621810     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/29/2026 06/01/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50650.00 XX Primary Refinance Debt_Consolidation   203903
SAIF202621810     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsAddendumPresent 06/01/2026 06/18/2026 Cleared -Trailing Doc D A Credit Documentation   Missing addendum for the multiple judgments, liens and/or bankruptcies that were found per page 5 of the Title Search Report, Item #2.  Review unable to evaluate required payoffs, etc. 06/11/2026: Seller response:  Remediation underway; awaiting documentation from Processing    06/18/2026: Supplement to Title Commitment provided in trailing reflecting the item referencing multiple judgments, liens, etc has been deleted.       50650.00 XX Primary Refinance Debt_Consolidation   204167
SAIF202621794     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/06/2026 05/07/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive         70000.00 XX Primary Refinance CashOut_Other   200208
SAIF202621794     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/06/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  The 1008 in file belongs to a different borrower and property.  Review unable to validate the ratios used to qualify the loan.   06/02/2026: Provided in trailing docs.     70000.00 XX Primary Refinance CashOut_Other   200210
SAIF202621860     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/29/2026 06/01/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   203890
SAIF202621860     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/31/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $225 to $1,327.50. A Valid CoC or cure of $1,102.50 is required. 06/11/2026: CoC provided       50000.00 XX Primary Refinance Debt_Consolidation   204145
SAIF202621866     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/23/2026 06/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         129400.00 XX Primary Refinance Debt_Consolidation   207537
SAIF202621866     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/24/2026 06/24/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $6112.67 exceed the threshold of $4139.00.         129400.00 XX Primary Refinance Debt_Consolidation   207724
SAIF202621866     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/23/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       129400.00 XX Primary Refinance Debt_Consolidation   207527
SAIF202621866     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/23/2026 07/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2655 to $3629.67, the Loan Origination Fee increased from $2000 to $2483, the Appraisal Fee increased from $0 to $765 and State Tax/Stamps increased from $110 to $129.40. Valid CoC or cure of $2242.07 is required. 07/09/2026: CoC's provided in trailing docs.       129400.00 XX Primary Refinance Debt_Consolidation   207672
SAIF202621885     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLInsuredAmount 05/28/2026 06/01/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         85100.00 XX Primary Refinance Debt_Consolidation   203769
SAIF202621885     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/01/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,529 to $3,259.33. A Valid CoC or cure of $730.33 is required. 06/11/2026: CoCs provided       85100.00 XX Primary Refinance Debt_Consolidation   204146
SAIF202621885     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1BorrowerMaritalStatus_AutoSet 06/01/2026 06/11/2026 Cured D B Credit Documentation   The Deed of Trust vesting states the Borrower is "an unmarried man" while the Final 1003 Loan Application states the Borrower is married. 06/11/2026: corrected executed 103 provided    06/11/2026: grade corrected as cured post-close       85100.00 XX Primary Refinance Debt_Consolidation   204147
SAIF202621906     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/21/2026 05/26/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provide MHELP w/in 90 days of closing.         75000.00 XX Primary Refinance Debt_Consolidation   202880
SAIF202621906     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/26/2026 05/26/2026 Waived B B Compliance HPML   This loan failed the CA AB 260 higher-priced mortgage loan test.         75000.00 XX Primary Refinance Debt_Consolidation   203268
SAIF202621906     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/26/2026 05/26/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.895 % APR exceeds the 9.800 % threshold to qualify for a safe harbor.         75000.00 XX Primary Refinance Debt_Consolidation   203269
SAIF202621906     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/21/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 05/13/2026 and the closing date was 05/14/2026 which is less than 3 days. 06/11/2026: Provided in trailing docs.    06/11/2026: Provided in trailing docs.       75000.00 XX Primary Refinance Debt_Consolidation   203003
SAIF202621906     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/21/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $675 to $1987.50 Valid CoC or cure of $1,312.50 is required. 06/11/2026: Corrected grade to A       75000.00 XX Primary Refinance Debt_Consolidation   203004
SAIF202621797     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/29/2026 05/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         85000.00 XX Primary Refinance Debt_Consolidation   204032
SAIF202621797     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/28/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,427.00 to $2,439.50. Valid CoC or cure of $12.50 is required. 06/11/2026: CoC provided       85000.00 XX Primary Refinance Debt_Consolidation   203873
SAIF202621840     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/13/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 Loan Application from the file.   05/21/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   201486
SAIF202621840     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/13/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   05/21/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   201493
SAIF202621884     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/26/2026 05/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         107202.00 XX Primary Refinance Debt_Consolidation   203364
SAIF202621884     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/26/2026 05/28/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees included of $4,865.02 exceed threshold of $3,216 by $1,648.96. Fees included in testing (all paid by the Borrower):  CPL $60, Flood Cert $6, Origination Fee $2144.04,  Discount Pts $2058.28, Prepaid Int $271.70 and Settlement Fee $325.     ***Downgrade and waive per client instruction via email chain 01/19/2026         107202.00 XX Primary Refinance Debt_Consolidation   203396
SAIF202621884     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/28/2026 05/28/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,202.32 exceed the threshold of $4,139.         107202.00 XX Primary Refinance Debt_Consolidation   203748
SAIF202621884     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/26/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1989 to $2058.28.  Valid CoC or cure of $69.28 is required. 06/11/2026: CoC provided in trailing docs.       107202.00 XX Primary Refinance Debt_Consolidation   203378
SAIF202621799     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/08/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.  The 1008 belongs to a different borrower/loan.   05/21/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   200567
SAIF202621799     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/08/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains 1 Loan Estimate dated 04/17/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 04/17 but the next disclosure is a CD dated 04/24/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   200570
SAIF202621799     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/11/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 for the Co-Borrower from the file.   05/21/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   200889
SAIF202621799     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/11/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 for the Borrower from the file.   05/21/2026: Provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   200890
SAIF202621122     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/20/2026 05/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         225400.00 XX Primary Refinance CashOut_Other   202683
SAIF202621892     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/26/2026 05/26/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provide MHELP w/in 90 days of closing.         145000.00 XX Primary Refinance CashOut_Other   203323
SAIF202622024     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/15/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1340 to $1375. Valid CoC or cure of $35 is required. 06/26/2026: CoC provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   206235
SAIF202622024     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 06/15/2026 06/15/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. *** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         50000.00 XX Primary Refinance Debt_Consolidation   206255
SAIF202622276     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/02/2026 07/07/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document is missing. Per client, seller to provide MHELP w/in 90 days of closing.         108000.00 XX Primary Refinance Debt_Consolidation   209419
SAIF202622276     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/06/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2756 to $3142.80 and the Closing Protection Letter increased from $25 to $50. Valid CoCs or cure of $411.80 is required. 07/27/2026: CoCs provided       108000.00 XX Primary Refinance Debt_Consolidation   209706
SAIF202621915     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/29/2026 06/01/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.    Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         120000.00 XX Primary Refinance Debt_Consolidation   203943
SAIF202621915     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/01/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $2,000 to $2,400. A Valid CoC or cure of $400 is required. 06/11/2026: CoC provided       120000.00 XX Primary Refinance Debt_Consolidation   204198
SAIF202621972     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/05/2026 06/17/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $40 to $922.50. A Valid CoC or cure of $882.50 is required. 06/17/2026: CoC provided trailing       50000.00 XX Primary Refinance CashOut_Other   204974
SAIF202621972     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1CheckboxPUDRider 06/05/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   The Security Instrument does not have the Planned Unit Development Rider box checked. Per the documentation in file including the PUD Rider for the Senior Lien, PUD Approval and Desktop Review, the subject property is in a PUD. 06/17/2026: Seller response:  working to obtain    06/26/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   205023
SAIF202621972     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1IsPUDRider 06/05/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the PUD Rider for the subject loan. The PUD Rider in file is for the Senior Lien. 06/17/2026: Seller response:  working to obtain    06/26/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   205024
SAIF202621841     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/19/2026 05/21/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   202599
SAIF202621841     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/19/2026 05/21/2026 Waived B A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.*** 06/18/2026: corrected exception grade       50000.00 XX Primary Refinance Debt_Consolidation   202600
SAIF202621813     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance IntentToProceed_DocExist 06/10/2026 06/17/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Intent to Proceed from the file. 06/17/2026: provided trailing       50000.00 XX Primary Refinance CashOut_Other   205647
SAIF202621813     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/10/2026 08/05/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Credit Report Fee increased from $128 to $138.56. A Valid CoC or cure of $10.56 is required.    08/05/2026: The actual credit report fee charged was $128.34; however, in accordance with the Loan Estimate rounding requirements, the fee was disclosed as $128.00 on the initial LE. Please refer to the attached Encompass screenshot, which reflects the fees disclosed on the initial Loan Estimate. Document uploaded on OD portal 06/17/2026: Seller response: Refund Pending    06/26/2026: Seller response: refund pending     07/09/2026: Seller Response: Refund pending     07/27/2026: Seller provided PCCD and cure of $10.22 in trailing docs.  Original cure required was $10.56.  Loan still fail test, out of tolerance by $0.34.      08/05/2026: Compliance retested with rounding adjustment, exception cleared       50000.00 XX Primary Refinance CashOut_Other   205663
SAIF202621813     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ApplicationDocStatus 06/10/2026 06/17/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 Loan Application from the file.  The file only contains the final 1003 Loan Application. 06/17/2026: Provided trailing       50000.00 XX Primary Refinance CashOut_Other   205715
SAIF202621813     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 06/10/2026 06/17/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing a secondary property valuation as required for loans with AVM confidence scores less than 90. The AVM in file has a confidence score of 86. The file contains an invoice for a Desktop Valuation Report which was not located in the file. LTV/CLTV will be determined upon receipt of secondary valuation. 06/17/2026: desk review provided trailing       50000.00 XX Primary Refinance CashOut_Other   205719
SAIF202621813     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance 1008_Present 06/10/2026 06/17/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 06/17/2026: provided trailing       50000.00 XX Primary Refinance CashOut_Other   205720
SAIF202621813     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance Service_Provider_List_DocExist 06/10/2026 06/17/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List Disclosure. 06/17/2026: provided trailing       50000.00 XX Primary Refinance CashOut_Other   205721
SAIF202621842     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/27/2026 05/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report with a loan amount of $86,000, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document reflecting the final loan amount of $92,000, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         92000.00 XX Primary Refinance Debt_Consolidation   203712
SAIF202621842     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/27/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $3014 to $4098.60. Valid CoC or cure of $1084.60 required. 06/11/2026: CoC provided       92000.00 XX Primary Refinance Debt_Consolidation   203714
SAIF202621842     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/27/2026 05/29/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         92000.00 XX Primary Refinance Debt_Consolidation   203715
SAIF202621912     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 05/18/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information Form for the co-borrower.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   202289
SAIF202621940     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/20/2026 05/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         54000.00 XX Primary Refinance CashOut_Other   202670
SAIF202621843     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 06/10/2026 06/11/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         75000.00 XX Primary Refinance Debt_Consolidation   205773
SAIF202621861     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/28/2026 05/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         75000.00 XX Primary Refinance CashOut_Other   203816
SAIF202621839     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/08/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan.   05/21/2026: Provided in trailing docs.     126000.00 XX Primary Refinance CashOut_Other   200654
SAIF202622212     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceBEDTI_Difference 07/13/2026 07/27/2026 Cleared -Trailing Doc D A Credit DTI   The Lender DTI of 45.089% is less than the Review DTI of 48.177% by 3.088%. The variance is attributed to the homeowner's insurance monthly payment. The Lender qualified the borrower with a HOI payment of $315.34 where the Review calculates a HOI payment of $476.75 based on documentation in file which reflects an annual premium of $5712. Please provide an updated/corrected 1008 or an explanation. 07/27/2026: Updated 1008 provided in trailing       83500.00 XX Primary Refinance Debt_Consolidation   210974
SAIF202621859     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/27/2026 05/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         60000.00 XX Primary Refinance CashOut_Other   203547
SAIF202621859     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/27/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Condo Questionnaire Fee increased from $0 to $479.95. The final CD reflected a cure of $29.95, however it is insufficient to cure the total violation. Valid CoC or additional cure of $450 required. 06/11/2026: CoC provided in trailing docs.       60000.00 XX Primary Refinance CashOut_Other   203669
SAIF202622023     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 06/16/2026 06/16/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.6 and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive.         136000.00 XX Primary Refinance CashOut_Other   206436
SAIF202622023     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 06/16/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $165 to $635. Valid CoC or cure of $470 required. 06/26/2026: CoC provided in trailing docs.       136000.00 XX Primary Refinance CashOut_Other   206590
SAIF202621822     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/12/2026 05/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         115000.00 XX Primary Refinance CashOut_Other   201161
SAIF202621822     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/12/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $793 to $1587, the Loan Origination Fee increased from $2,100 to $2,300 and the City/County Tax/Stamps increased from $45.50 to $95.83. Valid CoC or cure of $1044.33 is required. 06/02/2026: Seller Response: COC form uploaded. Document uploaded on OD portal    06/02/2026: OD Reply: CoC provided, compliance retested, still fails by $719. The only CoC provided was tied to the 04/27 LE; however, the Discount Fee increased again on the 04/29 CD.    06/11/2026: CoC provided in training for remaining tolerance failure.       115000.00 XX Primary Refinance CashOut_Other   201241
SAIF202621822     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 05/13/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Initial 1003 Loan Application from the file.  The file contains only the final 1003 and another application that does not belong to the subject borrower/loan.   05/21/2026: provided trailing     115000.00 XX Primary Refinance CashOut_Other   201476
SAIF202621822     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/13/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan.   05/21/2026: provided trailing     115000.00 XX Primary Refinance CashOut_Other   201478
SAIF202621858     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 05/15/2026 05/19/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5,414.96 exceed the threshold of $4,305.62.         149999.00 XX Primary Refinance CashOut_Other   202071
SAIF202621858     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/18/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) test.   The file contains 3 CDs with one dated 05/04/2026,and the other two dated 05/07/2026.  The electronically signed 05/07 CD reflects a barcode stamp at the bottom of the disclosure with timestamp 11:59am.  The other 05/07 CD reflects a timestamp of 03:24 and was wet inked signed on 05/09 while the closing date on the CD reflects 05/08.   The closing costs and amounts back to borrower at closing differs on the two 05/07 CDs. 06/02/2026: Seller response:  Appears to be an NORTC timing issue not referenced in the finding It looks like the intention was for the borrower to close on 5/8 but they actually closed on 5/9. I think that we would correct this by sending the borrower a new RTC.  Confirm with diligence. 06/02/2026: OD reply:  Rescission was not called out previously as the CD's reflect the closing date of 05/08.  When the actual date of 05/09 is enter, the compliance engine was rerun and did generate the rescission exception (refer to new exception).     149999.00 XX Primary Refinance CashOut_Other   202357
SAIF202621858     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/15/2026 06/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,176 to $2,414.98. Valid CoC or cure of $238.98 is required.   06/02/2026: CoC provided in trailing docs.     149999.00 XX Primary Refinance CashOut_Other   202070
SAIF202621858     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 06/02/2026 06/11/2026 Cured D B Compliance TILA   ****NEW EXCEPTION****   This loan failed the Right of Rescission Test.  The loan closed 05/09/2026 and the Right to Cancel reflects a Cancel By date of 05/12/2026.   The documents in file reflect closing date of 05/08/2026 but the actual closing date was 05/09/2026 as signed by the borrowers on all docs.  As per comments in the Revised CD Delivery Timing exception, the seller acknowledges a NORTC timing issue.  Please reopen rescission. 06/11/2026: Seller provided evidence of re-opening rescission on 05/28/2026 via overnight mail, with Cancel By date of 06/03/2026.  The borrower and spouse did not execute their right to rescind.  Exception cured post close.       149999.00 XX Primary Refinance CashOut_Other   204456
SAIF202621988     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/26/2026 05/26/2026 Waived B B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 150k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         205000.00 XX Primary Refinance Debt_Consolidation   203266
SAIF202621865     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/11/2026 06/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,271 to $1,497.60. A Valid CoC or cure of $226.60 is required. 06/18/2026: CoC provided       78000.00 XX Primary Refinance Debt_Consolidation   205811
SAIF202622065     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/22/2026 05/26/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   203020
SAIF202622065     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/26/2026 05/26/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         50000.00 XX Primary Refinance CashOut_Other   203263
SAIF202622065     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/26/2026 05/26/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.152 % APR exceeds the 9.760 % threshold to qualify for a safe harbor.         50000.00 XX Primary Refinance CashOut_Other   203264
SAIF202621880     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/12/2026 05/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         60000.00 XX Primary Refinance Debt_Consolidation   201167
SAIF202621880     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/13/2026 05/21/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan.   05/21/2026: provided trailing     60000.00 XX Primary Refinance Debt_Consolidation   201473
SAIF202622041     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/22/2026 07/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/15/2026: provided trailing       68000.00 XX Primary Refinance Debt_Consolidation   207268
SAIF202622177     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/10/2026 06/10/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   205685
SAIF202621941     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/19/2026 05/21/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         60000.00 XX Primary Refinance CashOut_Other   202579
SAIF202621941     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/19/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $612.00 to $12.00.  Valid Change of Circumstance or Cure of $600. 06/11/2026: CoC provided in trailing docs.       60000.00 XX Primary Refinance CashOut_Other   202617
SAIF202621993     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/27/2026 05/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   203627
SAIF202621993     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 05/28/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 Statements for the Borrower covering the most recent 2 year period as required by guidelines. 06/11/2026: Provided trailing       50000.00 XX Primary Refinance CashOut_Other   203833
SAIF202621881     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/13/2026 05/14/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   201475
SAIF202621881     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 05/18/2026 06/02/2026 Cleared -Trailing Doc D A Credit Documentation   Per XXXX guidelines, a detailed LOE from the Borrower is required for an inquiry within 30 days of closing. Credit report reflects inquiry 04/22/2026 from XXXX, no LOX in file.   06/02/2026: Provided in trailing docs.     50000.00 XX Primary Refinance CashOut_Other   202306
SAIF202621923     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 05/19/2026 05/19/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 3.1 and is not R&W Eligible. ***Full appraisal in file, Non-material, Waived per client directive.***         50000.00 XX Primary Refinance CashOut_Other   202570
SAIF202621953     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 06/08/2026 06/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file only contains 1 Loan Estimate dated 04/23/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 04/23 but the next disclosure is a CD dated 05/11/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. Per the E-Doc Tracking an additional LE was issued on 04/24/2026 and sent to the Borrower. 06/18/2026: LE provided trailing       100000.00 XX Primary Refinance Debt_Consolidation   205268
SAIF202622001     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TitleSearch_DocExists 05/14/2026 05/18/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   201713
SAIF202621952     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 05/19/2026 05/19/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  File is missing USDP reports due to appraisal type being 2055 Appraisal Report.  UTD CU Score or R&W Eligible. 2055 in file, non-material, waived per client directive.         66000.00 XX Primary Refinance Debt_Consolidation   202471
SAIF202621952     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 05/17/2026 06/26/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $917 to $1,152.00.  Valid COC or cure of $143.30 required 06/02/2026: Seller Response: Refund Pending     06/11/2026: Seller Response: Refund Pending    06/17/2026: Seller Response: Refund Pending    06/26/2026: PCCD and proof of reimbursement provided in trailing docs.       66000.00 XX Primary Refinance Debt_Consolidation   202219
SAIF202622447     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/30/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.    Review unable to validate the ratios used to qualify the loan. 07/27/2026: provided trailing       57500.00 XX Primary Refinance CashOut_Other   208709
SAIF202622113     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseExceptionsResult 07/23/2026 08/13/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the revised loan estimate delivery date test (prior to consummation) for LE's dated 05/15,05/26,06/04,06/25.  The file contains a Closing Disclosure that was issued dated 5/14/2025, 11:27am.  The 4 listed LEs were issued after the initial Closing Disclosure was issued to the borrower. 08/05/2026: Seller provided 2 LEs that already were uploaded and considered.  The issue is that LEs were issued AFTER the 05/14 Closing Disclosure.  Therefore any LE that was issued after the CD are not considered valid.    08/13/2026: Seller reply: Thank you for providing XXXX with the document you referenced. The Closing Disclosure that appears under CD_to_Title is an internal document provided to the title company for balancing and settlement purposes only. It is not delivered to the borrower.  We are currently working with our document extraction team to ensure that this internal document is excluded from document deliveries, as we understand how its presence could create confusion.  Attached is a Letter of Explanation, along with screenshots from both our Encompass Loan Origination System (LOS) and Blend portal, which confirm that the 05/14/2026 Closing Disclosure was not delivered to the borrower. Document uploaded on OD portal.    08/13/2026: Per seller and supporting documentation, 05/14 CD not disclosed to borrower.  Compliance retested, no exceptions.       50000.00 XX Primary Refinance Debt_Consolidation   213372
SAIF202622113     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseExceptionsResult 07/23/2026 08/13/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID disclosure delivery date validation test. The file contains multiple Loan Estimates that were issued to the borrower after the initial Closing Disclosure was issued.    08/05/2026: Disagree - The Closing Disclosure that you are referring to that was dated 5/14 was issued by the title company as a Pre-Lim CD.  Please take note that the first page does not show a "date issued"    08/13/2026: Thank you for providing XXXX with the document you referenced. The Closing Disclosure that appears under CD_to_Title is an internal document provided to the title company for balancing and settlement purposes only. It is not delivered to the borrower.  We are currently working with our document extraction team to ensure that this internal document is excluded from document deliveries, as we understand how its presence could create confusion.  Attached is a Letter of Explanation, along with screenshots from both our Encompass Loan Origination System (LOS) and Blend portal, which confirm that the 05/14/2026 Closing Disclosure was not delivered to the borrower. Document uploaded on OD portal. 08/05/2026: Disagree.  The 05/14 CD absolutely has an issued date, further it also has the date and timestamp (05/14/2026 11:27pm) at the bottom of the CD.  Please refer to the 6th page of the document uploaded to the portal labeled CD_to_Title.  We have been advised numerous times that fully completed LEs and CDs with date and timestamp at the bottom are to be considered/regarded as disclosures that were issued to the borrower.  There is nothing in the file to indicate this CD was not disclosed to the borrower.    08/13/2026: Per seller and supporting documentation, 05/14 CD not disclosed to borrower.  Compliance retested, no exceptions.       50000.00 XX Primary Refinance Debt_Consolidation   213373
SAIF202622113     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var RatiosTotalIncomeBackDTI1 07/30/2026 08/13/2026 Cleared -Trailing Doc C A Credit Guidelines   Review calculated DTI of 50.392% exceeds guideline max allowable of 50%.  The lender did not include monthly HOA dues of $66.67 in their DTI calculation.  The 1004 appraisal report reflects annual HOA dues of $800.  There is no explanation in file why the HOA dues were excluded from the ratios.  Inclusion of the liability results in a DTI over 50%. 08/06/2026: Seller provided documents from the title company with a Hold Harmless Agreement stating there is no active HOA.  Per Client, the want the appraisal corrected to reflect the property type and HOA dues.    08/13/2026: Seller obtained and provided a corrected appraisal reflecting property is not a PUD.  DTI of 49.590% under max allowable.       50000.00 XX Primary Refinance Debt_Consolidation   214313
SAIF202622113     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var AppraisalInPUD 07/28/2026 08/13/2026 Cured D B Valuation Property Type   The 1004 Appraisal in file reflects that the subject property is a PUD, however, the Security Deed for the subject loan and senior lien to do not reflect that the property is a PUD.  The property report in file does reflect the property is in a subdivision and internet search reflects the community is a PUD.  There is no evidence in file the lender addressed these discrepancies. 08/06/2026: Seller provided documents from the title company with a Hold Harmless Agreement stating there is no active HOA.  Per Client, the want the appraisal corrected to reflect the property type and HOA dues.    08/13/2026: Corrected appraisal provided in trailing docs reflecting property is not a PUD       50000.00 XX Primary Refinance Debt_Consolidation   213775
SAIF202621905     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TitleSearch_DocExists 05/15/2026 05/19/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   201879
SAIF202621994     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 06/08/2026 06/08/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         50000.00 XX Primary Refinance CashOut_Other   205164
SAIF202621900     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/19/2026 05/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   202615
SAIF202621900     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/22/2026 05/22/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         50000.00 XX Primary Refinance Debt_Consolidation   203159
SAIF202622082     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/24/2026 07/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test.  The Loan Discount Fee increased from $2,108 to $2,150.50. Valid CoC or cure of $42.50 is required. 07/09/2026: CoC provided in trailing docs.       85000.00 XX Primary Refinance Debt_Consolidation   207721
SAIF202622082     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceHazardAnnualPremium 06/25/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   Lender used annual premium of $5712 for Hazard Insurance. Review used annual premium of $14,295 based on the 2 Hazard Insurance policies included in the loan file with California FAIR Plan Association in the amount of $8583, which includes wind/hail coverage, and Farmers Insurance which documentation indicates is a fire policy in the amount of $5712 and requires the CA Fair policy to be active and in place. Please provide clarification on why only the Farmers Insurance policy was used for loan qualification or provide updated 1008. 07/16/2026: Provided in trailing docs.       85000.00 XX Primary Refinance Debt_Consolidation   207941
SAIF202622082     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceBEDTI_Difference 06/25/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   Lender DTI of 22.760% is 5.082% less than Review DTI of 27.842%. The Lender used a lower Hazard Insurance payment of $476, whereas Review calculates monthly Hazard Insurance from both policies at $1191.25. The Lender also used a lower PI payment for the Senior Lien of 2842.91, whereas Review used $3398.29 per the mortgage statement in file as well as the credit report. The Senior Lien is a Fixed/ARM. The guidelines require that Senior Lien ARMs be underwritten to the fully amortized rate to determine ATR. Review is unable to determine how the Lender calculated Senior Lien PI.  Please provide explanation or updated 1008. 07/16/2026: Provided in trailing docs.       85000.00 XX Primary Refinance Debt_Consolidation   207943
SAIF202621901     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/27/2026 05/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         94000.00 XX Primary Refinance Debt_Consolidation   203462
SAIF202622056     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/23/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       53000.00 XX Primary Refinance CashOut_Other   207404
SAIF202622057     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/14/2026 07/16/2026 Waived B B Compliance TRID   This loan failed the higher-priced mortgage loan test         75000.00 XX Primary Refinance Debt_Consolidation   211079
SAIF202622057     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/16/2026 07/16/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.246% APR exceeds the 9.760% threshold to qualify for a safe harbor.         75000.00 XX Primary Refinance Debt_Consolidation   211830
SAIF202622057     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 07/13/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing for the Co-Borrower.  File contains only the VVOE for the Borrower. 07/27/2026: provided trailing       75000.00 XX Primary Refinance Debt_Consolidation   211037
SAIF202622011     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 06/04/2026 06/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimated dated 04/27/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 05/01 but the next disclosure is a CD dated 05/12/2026.  There is no corresponding LE, CD or CoC reflecting the rate lock. 06/18/2026: LE provided in trailing       50000.00 XX Primary Refinance CashOut_Other   204723
SAIF202621992     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/28/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains 1 CD that reflects an issued date of 05/18/2026 and the closing date was 05/19/2026 which is less than 3 days.  There is also a PCCD in file but the finding is related to the delivery of the initial CD delivery timing. 06/11/2026: iCD provided       105570.00 XX Primary Refinance Debt_Consolidation   203829
SAIF202621899     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/21/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 05/09/2026 and the closing date was 05/12/2026 which is less than 3 business days. 05/26/2026: seller reuploaded the 05/09 CDs referenced in the exception. Exception remains.    06/11/2026: Initial CD provided in trailing docs.       80000.00 XX Primary Refinance Debt_Consolidation   202957
SAIF202622015     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/24/2026 05/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report with a loan amount of $108,500, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document with the final loan amount of $116,200, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         116200.00 XX Primary Refinance CashOut_Other   203178
SAIF202621942     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/29/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the Revised Closing Disclosure Delivery Date Test (No Waiting Period Required). The file contains 3 CDs reflecting Issue Dates of 05/13, 05/19 and 05/20. The CD issued 05/19 was wet inked signed at closing on 05/20. The CD issued on 05/20 is unsigned and reflects a barcode stamp at the bottom of the disclosure with timestamp 07:22 AM.  The closing costs and amounts back to borrower at closing differs on the CDs, with the 05/20 CD reflecting lower closing costs and more cash back at closing than the wet ink signed CD issued on 05/19.  The Settlement Statement in file, signed by the closing agent, does not match the cash back to the borrower on either the 05/19 or 05/20 CDs but the figures on the settlement statement more closely align to the 05/20 CD.  Please provide confirmation or clarification of delivery of the 05/20 CD.  Thank you. 06/11/2026: doc tracking provided       50000.00 XX Primary Refinance Debt_Consolidation   203944
SAIF202621997     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/16/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1424 to $1524 and the Transfer Taxes increased from 195 to $240. Total Violation is $145. The final CD reflects a tolerance cure of $45, however it is insufficient to cure the total violation. Valid CoC or additional cure of $100 required. 06/26/2026: CoC provided in trailing docs.       80000.00 XX Primary Refinance CashOut_Other   206339
SAIF202622098     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 06/17/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Pay Stubs for co-borrower covering the most recent 30-day period as required by guidelines.  All income docs except the VVOE are missing from the file. 06/26/2026: WVOI provided in trailing docs.       54000.00 XX Primary Refinance CashOut_Other   206636
SAIF202622098     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 06/17/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Pay Stubs for borrower covering the most recent 30-day period as required by guidelines.  All income docs except the VVOE are missing from the file. 06/26/2026: WVOI provided in trailing docs.       54000.00 XX Primary Refinance CashOut_Other   206637
SAIF202622098     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/17/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing W-2 Statements for co-borrower covering the most recent 2 year period as required by guidelines.  All income docs except the VVOE are missing from the file. 06/26/2026: WVOI provided in trailing docs.       54000.00 XX Primary Refinance CashOut_Other   206638
SAIF202622098     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/17/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 Statements for borrower covering the most recent 2 year period as required by guidelines.  All income docs except the VVOE are missing from the file. 06/26/2026: WVOI provided in trailing docs.       54000.00 XX Primary Refinance CashOut_Other   206639
SAIF202622398     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/14/2026 07/14/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         71500.00 XX Primary Refinance Debt_Consolidation   211189
SAIF202622009     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/27/2026 05/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   203460
SAIF202621913     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/16/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 Statements for borrower covering the most recent 2 year period as required by guidelines.  Only the CoBorrower W2s are in file. 06/26/2026: WVOI provided in trailing docs.       75000.00 XX Primary Refinance CashOut_Other   206344
SAIF202621913     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 06/16/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing Pay Stubs for Co-Borrower covering the most recent 30-day period as required by guidelines.  Only the Borrower's paystubs are in file. 06/26/2026: WVOI provided in trailing docs.       75000.00 XX Primary Refinance CashOut_Other   206345
SAIF202622016     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 06/17/2026 06/17/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.943 % APR exceeds the 9.450 % threshold to qualify for a safe harbor.         119020.00 XX Primary Refinance CashOut_Other   206741
SAIF202622016     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 06/17/2026 06/17/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         119020.00 XX Primary Refinance CashOut_Other   206742
SAIF202621987     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/21/2026 05/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   202888
SAIF202622099     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/30/2026 06/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX  Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         54135.00 XX Primary Refinance CashOut_Other   208699
SAIF202622099     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/30/2026 08/05/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $231 to $6.  Valid Change of Circumstance or Cure of $225 required.    07/27/2026: Disagree -A courier fee and notary fee were initially disclosed on the Loan Estimate as lender-paid charges. These fees were ultimately not incurred, and therefore were removed from the transaction. As a result, the reduction in lender credits was solely due to the removal of fees that were not charged and not the addition of any new borrower costs. No Cure Required 07/27/2026: OD disagrees with the seller's response.  The LEs reflect an estimate of fees paid by the borrower.  The file contains 2 LEs, the initial LE  (05/11) reflects NO Lender credit and both those fees are listed on the iLE; the lender credit appears on the redisclosed LE dated 05/26.  If the lender credit was removed due to it being tied to specific fees, a valid CoC needs to be documented.    08/05/2026: CoC provided trailing       54135.00 XX Primary Refinance CashOut_Other   208701
SAIF202622099     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/30/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan. 07/27/2026: provided trailing       54135.00 XX Primary Refinance CashOut_Other   208782
SAIF202622099     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/30/2026 08/05/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The City/County Tax/Stamps increased from $31.50 to $45.17. Valid CoC or cure of $13.67 required.    07/27/2026: Refund Pending 08/05/2026: PCCD and cure docs provided in trailing       54135.00 XX Primary Refinance CashOut_Other   208702
SAIF202622039     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/16/2026 06/16/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $6010 exceed the threshold of $5802.50.         200000.00 XX Primary Refinance Debt_Consolidation   206380
SAIF202622003     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/27/2026 05/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         60000.00 XX Primary Refinance Debt_Consolidation   203456
SAIF202622003     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/27/2026 05/27/2026 Waived B B Compliance State Violation   This loan failed the origination fee test. The loan is a second lien and charges more than a 5% origination fee. Borrower paid fees included in test: Loan origination - $750 and Discount Points - $1938.00 and  Lender paid fees included - $450.00.         Per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the $450 Loan Origination Fee paid by the lender, would result in no violation.  Waived.         60000.00 XX Primary Refinance Debt_Consolidation   203459
SAIF202622083     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/19/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $2000 to $2300. Valid CoC or cure of $300 required. 07/09/2026: A CoC tied to the 05/12 LE was provided in trailing docs. However, the file is missing the 05/12 LE.    07/27/2026: LE and CoC provided in trailing       115000.00 XX Primary Refinance CashOut_Other   207140
SAIF202622044     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/22/2026 05/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance Debt_Consolidation   203016
SAIF202622040     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/23/2026 06/24/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         75200.00 XX Primary Refinance Debt_Consolidation   207498
SAIF202622040     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/23/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       75200.00 XX Primary Refinance Debt_Consolidation   207492
SAIF202622002     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/24/2026 05/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   203177
SAIF202622010     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 06/16/2026 06/16/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         106000.00 XX Primary Refinance Debt_Consolidation   206365
SAIF202622010     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/16/2026 06/16/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4907.80 exceed the threshold of $4139.         106000.00 XX Primary Refinance Debt_Consolidation   206366
SAIF202622010     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 06/16/2026 06/16/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.369 % APR exceeds the 9.450 % threshold to qualify for a safe harbor.         106000.00 XX Primary Refinance Debt_Consolidation   206368
SAIF202622010     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/16/2026 06/16/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 10.369 %. The APR threshold to qualify for a safe harbor is 9.450 %         106000.00 XX Primary Refinance Debt_Consolidation   206369
SAIF202622329     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/10/2026 08/12/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   216435
SAIF202622012     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/10/2026 06/15/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   205732
SAIF202622012     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 06/10/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the final 1003 Loan Application from file. The file only contained the initial 1003 Loan Application. 06/26/2026: Seller response: Disagree- final 1003 was part of the extract sent on 6/2    06/26/2026: OD reply: Missing page 1 of the final 1003. Pages 2-8 were located in the file.    07/15/2026: Seller reply:  Disagree - page 1 is part of the Underwriting documentation extract sent on 5/27. uploaded to portal to close out finding. Document uploaded on OD portal    07/15/2026: OD response:  The copy of the 1003 that has been uploaded is not the final EXECUTED 1003.  The date stamp on this 1003 is 05/15/2026.  The EXECUTED final 1003 signed at closing has date stamp of 05/18/2026 and was signed on 05/19/2026.  The file is still missing page 1 of the final 1003 executed at closing.    07/27/2026: trailing provided       50000.00 XX Primary Refinance CashOut_Other   205727
SAIF202622017     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/10/2026 06/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,448 to $1,620.85. A Valid CoC or additional cure of $172.85 is required. 06/18/2026: CoC provided       77000.00 XX Primary Refinance Debt_Consolidation   205771
SAIF202622055     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/17/2026 07/27/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $810.00 to $894.00.  Valid CoC or cure of $3.00 is required 06/27/2026: The Seller provided a CoC tied to the 05/18 for the new Deed prep fee and Recording fee that increased to $376.    The file contains 4 Cds dated 05/21; two were executed by the borrowers at closing on  05/22.  One reflects the Recording Fee of $376 (approx time stamp is 1:40) and the other reflects $379 (approx time stamp is 2:10pm).   Review also notes the file contains the latest Loan Disbursement Instructions, time stamped 3:12, reflects Recording fee of $379. Using the latest dated signed disclosure, the loan fails the Charges that Cannot Increase by More than 10% by $3.00.   Please provide cure or evidence of the actual/correct final CD.    07/09/2026: Seller Response: Remediation pending: Waiting for confirmation from the settlement agent regarding the actual recording charges.     07/27/2026: PCCD and evidence of cure provided in trailing       93000.00 XX Primary Refinance CashOut_Other   206775
SAIF202622273     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/24/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       90000.00 XX Primary Refinance CashOut_Other   207852
SAIF202622211     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 06/25/2026 06/25/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         50000.00 XX Primary Refinance CashOut_Other   207977
SAIF202622211     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 06/25/2026 06/25/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.687% APR exceeds the 9.520% threshold to qualify for a safe harbor.         50000.00 XX Primary Refinance CashOut_Other   207978
SAIF202622211     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/24/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/16/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207896
SAIF202622493     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 07/02/2026 07/08/2026 Waived B B Valuation Documentation   Missing  UCDP reports to determine the CU score and Rep and Warranty Eligibility.  Full appraisal in file, Non-material, Waived per client directive.         80000.00 XX Primary Refinance CashOut_Other   209269
SAIF202622240     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 06/15/2026 06/16/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         50000.00 XX Primary Refinance CashOut_Other   206320
SAIF202622114     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/09/2026 06/10/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 10.393%. The APR threshold to qualify for a safe harbor is 9.820%         90510.00 XX Primary Refinance CashOut_Other   205447
SAIF202622114     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 06/10/2026 06/10/2026 Waived B B Compliance HPML   This loan failed the MD COMAR higher-priced mortgage loan test.         90510.00 XX Primary Refinance CashOut_Other   205535
SAIF202622058     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/06/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1417 to $1469. Valid CoC or cure of $52 required. 07/27/2026: CoC provided trailing       65000.00 XX Primary Refinance Debt_Consolidation   209506
SAIF202622106     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/17/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing W2 statements for borrower covering the recent 2 year period as required by guidelines.  The file is missing income documentation. 07/09/2026: WVOI with Truework provided in trailing docs.       64800.00 XX Primary Refinance CashOut_Other   206768
SAIF202622106     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 06/17/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Pay Stubs for borrower covering the most recent 30 day period as required by guidelines.  The file is missing income documentation. 07/09/2026: WVOI with Truework provided in trailing docs.       64800.00 XX Primary Refinance CashOut_Other   206770
SAIF202622106     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 06/18/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains a Loan Estimate dated 05/04/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 05/07/2026 but the next disclosure is a LE dated 05/20/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 07/09/2026: Seller Response: Locked LE uploaded. Document uploaded on OD portal    07/09/2026: OD Reply: A duplicate LE (05/20/2026) was uploaded along with a CoC tied to the 05/12/2026 LE. The loan file is missing the 05/12 LE. The original exception remains valid.     07/27/2026: LE and CoC provided       64800.00 XX Primary Refinance CashOut_Other   206914
SAIF202622106     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/18/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $1000 to $1296. Valid CoC or cure of $296 is required. 07/09/2026: Seller Response: COC Forms uploaded. Document uploaded on OD portal    07/09/2026: OD Reply: The CoC provided is tied to the 05/12 LE which is not in the file. Please provide the 05/12 LE.    07/27/2026: LE and CoC provided       64800.00 XX Primary Refinance CashOut_Other   206915
SAIF202622106     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMBorrowerIncomeAndAssetsAccurateAndVerifiedIndicator 06/18/2026 07/09/2026 Cleared -Trailing Doc D A Compliance ATR   Missing income documentation from the file. Review is unable to validate the ability to repay. 07/09/2026: WVOI with Truework provided in trailing docs.       64800.00 XX Primary Refinance CashOut_Other   206938
SAIF202622033     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/04/2026 06/05/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,907.80 exceed the threshold of $4,139.00         106000.00 XX Primary Refinance Debt_Consolidation   204817
SAIF202622033     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerWOE 06/05/2026 06/18/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Written Verification of income for the Co-Borrower to validate 2 years of overtime income and the monthly amount used to qualify. 06/18/2026: Provided trailing       106000.00 XX Primary Refinance Debt_Consolidation   204891
SAIF202622107     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/25/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207988
SAIF202622081     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/09/2026 07/27/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $606 to $918.50.  Valid CoC or cure of $251.90 required. Lender provided a $112.20 cure for tolerance violation on the final CD, however it is insufficient to cure total 10% tolerance violations.  The baseline was reset to $606 due to the LEs reflect fees that were removed from the CDs: Insurance Replacement Value, Title Limited Coverage and Title Limited Binder fees, and, the CDs introducing new fees of Title Document Signing and Title Doc Prep fees as well as increased Title Abstract fees. 06/17/2026: Seller Response:  In process    06/26/2026: Seller response: Refund Pending     07/09/2026: Seller Response: Refund pending     07/27/2026: PCCD and cure docs provided in trailing       149999.00 XX Primary Refinance Debt_Consolidation   205302
SAIF202622066     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/27/2026 05/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         54000.00 XX Primary Refinance Debt_Consolidation   203533
SAIF202622066     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_IssueDescr 05/27/2026 06/11/2026 Cleared -Trailing Doc D A Compliance Documentation   The final CD dated 05/14/2026 is not executed.  The signature section of page 5 does not appear in the uploaded copies. 06/11/2026: Provided in trailing docs.       54000.00 XX Primary Refinance Debt_Consolidation   203620
SAIF202622066     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_IssueDescr 05/27/2026 06/18/2026 Cleared -Trailing Doc D A Compliance Documentation   The CD dated 05/13/2026 is missing page 5. 06/11/2026: Seller Response: Signature page was missing during extract. Copy saved on loan also document saved in sharepoint. Document uploaded on OD portal    06/11/2026: OD Reply: The signature page for the CD dated 05/14 was uploaded. The signature page for the CD dated 05/13 is still missing from the file.    06/18/2026: Provided trailing       54000.00 XX Primary Refinance Debt_Consolidation   203621
SAIF202622129     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/04/2026 06/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $1,354.03 to $1,165.00.  Valid Change of Circumstance or Cure of $189.03 required. 06/18/2026: CoC provided       92425.00 XX Primary Refinance CashOut_Other   204845
SAIF202622112     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/13/2026 07/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   210925
SAIF202622258     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/22/2026 06/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   207190
SAIF202622258     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/19/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $165 to $765. Total violation is $600. The final CD reflects a tolerance cure of $165, however it is insufficient to cure the total violation. Valid CoC or additional cure of $435 is required. 07/09/2026: The CoC tied to the 05/12 LE was provided in trailing docs. However, it was related to the increase in the appraisal fee as indicated in the exception. Valid CoC or additional cure of $435 required.    07/27/2026: CoC provide in trailing       50000.00 XX Primary Refinance Debt_Consolidation   207158
SAIF202622067     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 06/05/2026 06/05/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. **** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         50000.00 XX Primary Refinance CashOut_Other   205016
SAIF202622214     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CD_Status 07/15/2026 07/27/2026 Cleared -Trailing Doc D A Compliance Documentation   The file contains four CDs dated:  05/28, 06/01, 06/03 and 06/25.  The file contains 3 CoCs dated 05/28/2026 tied a CD dated the same, however, there is no such CD in file.  It also contains a CoC tied to a CD dated 06/08 but this CD is also not in the file. The file also contains a CoC tied to the 06/01 CD reflecting a CoC reason of "Rate Change", however, the rate on the 06/01 CD is the same as the four CDs in file. The last CoC in file is not completed and tied to the 06/25 CD. 07/27/2026: Missing CDs and CoCs provided       54000.00 XX Primary Refinance Debt_Consolidation   211613
SAIF202622214     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/13/2026 08/13/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1285 to $1290.60, the City/County Tax/Stamps increased from $0 to $573.30 and the Transfer Taxes increased from $86 to $108. Valid CoC or cure of $600.90 required. 07/27/2026: Missing CDs and CoCs provided in trailing.  Compliance retested, fails by $595.30 due to City tax stamps increased from $0 to $573.30 and State tax stamps increased from $167 to $189.  Refund of $595.30 required.  Per seller response:  A refund for the transfer taxes is pending.    08/05/2026: Seller indicates refund pending as of 08/04    08/13/2026: Seller provided evidence of cure and PCCD in trailing docs       54000.00 XX Primary Refinance Debt_Consolidation   211012
SAIF202622087     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/27/2026 05/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         55000.00 XX Primary Refinance Debt_Consolidation   203477
SAIF202622260     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/15/2026 06/15/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         200000.00 XX Primary Refinance Debt_Consolidation   206192
SAIF202622260     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/15/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $0 to $835 and the Transfer Taxes increased from $367 to $666.67. Valid CoC or cure of $1,134.67 is required. 06/26/2026: CoC provided in trailing docs.       200000.00 XX Primary Refinance Debt_Consolidation   206259
SAIF202622152     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 06/08/2026 06/18/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing for the Borrower. 06/18/2026: Provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   205166
SAIF202622152     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerWOE 06/08/2026 06/18/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Written Verification of Income for the Co-Borrower to verify 2 years of commissions earnings and amount used to qualify. 06/18/2026: Original finding incorrectly reference CoBorrower, finding was referencing the borrower.  Provided in trailing.       149999.00 XX Primary Refinance Debt_Consolidation   205167
SAIF202622097     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/05/2026 06/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         57000.00 XX Primary Refinance CashOut_Other   204846
SAIF202622254     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/15/2026 06/15/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4656 exceed the threshold of $4139.         120000.00 XX Primary Refinance Debt_Consolidation   206247
SAIF202622254     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/15/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1630 to $2256 and the Origination Fee increased from $2000 to $2400. Valid CoC or cure of $1026 required. 06/26/2026: CoCs provided in trailing docs.       120000.00 XX Primary Refinance Debt_Consolidation   206245
SAIF202622259     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/24/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/16/2026: Provided in trailing docs.       72400.00 XX Primary Refinance Debt_Consolidation   207897
SAIF202622111     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/15/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $2.50. Valid CoC or cure of $2.50 required. 06/26/2026: CoC provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   206277
SAIF202622111     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/15/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $60 to $0.  Valid Change of Circumstance or Cure of $60 required. 06/26/2026: CoC provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   206279
SAIF202622109     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/05/2026 06/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance CashOut_Other   204850
SAIF202622109     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 06/04/2026 06/17/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the final  executed 1003 Loan Application. 06/17/2026: provided trailing       100000.00 XX Primary Refinance CashOut_Other   204821
SAIF202622167     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 06/23/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information form for the Co-Borrower.  File contains only a copy of the Borrower's. 07/16/2026: Seller response: Remediation pending: USA Patriot Act is missing for Co-borrower, reviewer missed to check the same. condition has been added and requested from servicelink. Updated comment as Completed as advised by XXXX. document still not received and sent remediation.    07/27/2026: provided trailing       71500.00 XX Primary Refinance CashOut_Other   207406
SAIF202622414     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/13/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $51.05. Valid CoC or cure of $51.05 required. 07/27/2026: CoC provided       145852.00 XX Primary Refinance Debt_Consolidation   211020
SAIF202622414     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/13/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $66 to $0.  Valid Change of Circumstance or Cure of $66 required. 07/27/2026: CoC provided       145852.00 XX Primary Refinance Debt_Consolidation   211021
SAIF202622210     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/17/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 Statements for the borrower covering the most recent 2 year period as required by guidelines. Only W2 for year 2024 provided. 06/26/2026: WVOI provided in trailing docs to satisfy the 2025 W-2 requirement.       50000.00 XX Primary Refinance CashOut_Other   206600
SAIF202622108     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 06/10/2026 06/10/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $3175.87 exceed threshold of $1500 by $1675.87. Borrower paid fees included in testing: CPL $60, Flood Cert $6, Origination Fee $600, Discount Pts $1,752.50, Prepaid Interest $32.37 and Settlement Fee $325.  Lender paid fees included in testing: Origination Fee $400. The fees excluding the Lender paid fees exceed 3% of the loan amount.   Downgrade and waive per client instruction via email chain 01/19/2026         50000.00 XX Primary Refinance CashOut_Other   205555
SAIF202622101     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/27/2026 05/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   203467
SAIF202622101     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/27/2026 06/11/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $890 to $1,202.50. Valid CoC or cure of $312.50 required. 06/11/2026: CoC provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   203555
SAIF202622151     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/08/2026 06/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Points increased from $1390.00 to $1577.50. Valid CoC or cure of $187.50 is required. 06/18/2026: CoC provided       50000.00 XX Primary Refinance CashOut_Other   205131
SAIF202622238     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 06/24/2026 06/24/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         77400.00 XX Primary Refinance Debt_Consolidation   207798
SAIF202622238     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 06/24/2026 06/24/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.911% APR exceeds the 9.820% threshold to qualify for a safe harbor.         77400.00 XX Primary Refinance Debt_Consolidation   207862
SAIF202622238     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/23/2026 07/15/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan. 07/15/2026: provided trailing       77400.00 XX Primary Refinance Debt_Consolidation   207500
SAIF202622219     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/29/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: 1008 provided in trailing docs.       80000.00 XX Primary Refinance Debt_Consolidation   208378
SAIF202622219     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/29/2026 07/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $924. Valid CoC or cure of $924 required. 07/09/2026: CoC provided in trailing docs.       80000.00 XX Primary Refinance Debt_Consolidation   208379
SAIF202622219     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceBEDTI_Difference 07/09/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   ***New Exception*** A 1008 dated 06/09/2026 with timestamp 05:09 AM was provided in trailing docs. However, the DTI variance between the Lender's DTI calculations of 12.512% / 43.820% and Review's DTI calculations of 17.736% / 49.044% is 5.224%. The 1008 appears to exclude the senior lien PI payment. Please provide an updated/ corrected 1008.         80000.00 XX Primary Refinance Debt_Consolidation   210469
SAIF202622219     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 06/29/2026 06/29/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         80000.00 XX Primary Refinance Debt_Consolidation   208380
SAIF202622168     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceCLTV_Difference 06/22/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   Review calculated CLTV is 78.335% and per the 1008 the CLTV is 20.523% which is the same as the LTV.  The 1008 does not include the outstanding balance of the first lien mortgage.  Please provide updated/corrected 1008. 07/16/2026: Provided in trailing docs.       110000.00 XX Primary Refinance Debt_Consolidation   207358
SAIF202622149     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/09/2026 06/10/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   205382
SAIF202622149     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 06/10/2026 06/10/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. *** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         50000.00 XX Primary Refinance CashOut_Other   205594
SAIF202622150     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/04/2026 06/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $154.00 to $497.75. Valid CoC or cure of $343.75 is required. 06/18/2026: CoC provided       55000.00 XX Primary Refinance Debt_Consolidation   204788
SAIF202622197     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/17/2026 06/17/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,774.11 exceed the threshold of $4,139.         112200.00 XX Primary Refinance Debt_Consolidation   206727
SAIF202622169     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLLegalDescription 06/22/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Legal Description for the Title Policy. 07/16/2026: Seller response: The received FTP is short form residential loan policy. we do not receive legal description on short form policy       90000.00 XX Primary Refinance CashOut_Other   207323
SAIF202622413     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/01/2026 07/02/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5,913 exceed the threshold of $4,139.         135000.00 XX Primary Refinance Debt_Consolidation   209193
SAIF202622413     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/01/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/27/2026: provided trailing       135000.00 XX Primary Refinance Debt_Consolidation   209033
SAIF202622413     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/01/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,188 to $3,213. A Valid CoC or cure of $2,025 is required. 07/27/2026: CoC provided       135000.00 XX Primary Refinance Debt_Consolidation   209191
SAIF202622195     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/08/2026 06/08/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   205120
SAIF202622195     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 06/08/2026 06/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimate dated 05/12/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 05/12/2026 but the next disclosure is a CD dated 05/20/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 06/18/2026: LE provided       50000.00 XX Primary Refinance Debt_Consolidation   205146
SAIF202622506     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/20/2026 07/21/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing         106000.00 XX Primary Refinance CashOut_Other   212412
SAIF202622506     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/21/2026 08/05/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1834.00 to $1908.00. Total violation is $74. The final CD reflects a tolerance cure of $145.10, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $147.10, therefore the cure is insufficient. Additional cure of $2 to clear total violation or CoC required. 08/05/2026: CoC provided trailing       106000.00 XX Primary Refinance CashOut_Other   212621
SAIF202622506     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/21/2026 08/05/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $819 to $974 .  Total violation is $73.10. The final CD reflects a tolerance cure of $145.10, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $147.10, therefore the cure is insufficient. Additional cure of $2 to clear total violation or CoC required. 08/05/2026: CoC provided trailing       106000.00 XX Primary Refinance CashOut_Other   212622
SAIF202622179     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/09/2026 06/10/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,530 exceed the threshold of $4,139.         100000.00 XX Primary Refinance CashOut_Other   205480
SAIF202622179     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/08/2026 06/18/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 Statements for the Borrower covering the most recent 2 year period as required by guidelines. 06/18/2026: True WVOE provided in trailing, satisfied requirement per guidelines.       100000.00 XX Primary Refinance CashOut_Other   205152
SAIF202622224     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 06/12/2026 06/12/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.9 and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive.         79000.00 XX Primary Refinance CashOut_Other   205982
SAIF202622224     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 06/12/2026 06/12/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         79000.00 XX Primary Refinance CashOut_Other   205988
SAIF202622224     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 06/12/2026 06/12/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.942% APR exceeds the 9.600% threshold to qualify for a safe harbor.         79000.00 XX Primary Refinance CashOut_Other   205989
SAIF202622236     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/16/2026 06/16/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $6,144.22 exceed the threshold of $4,112.72.         144400.00 XX Primary Refinance Debt_Consolidation   206485
SAIF202622236     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/16/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,656.00 to $3,256.22, the Origination Fee increased from $2,400.00 to 2,888.00 and the Transfer Taxes increased from $400 to $481.33.  Valid CoC or cure of $2,169.55 is required. 06/26/2026: CoC provided in trailing docs.       144400.00 XX Primary Refinance Debt_Consolidation   206419
SAIF202622236     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLInsuredAmount 06/16/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of title coverage for the final loan amount of $144,400. The title commitment in file reflects a proposed amount of insurance of $120,000. 06/26/2026: Provided in trailing docs.       144400.00 XX Primary Refinance Debt_Consolidation   206475
SAIF202622257     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/22/2026 06/22/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   207182
SAIF202622225     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/12/2026 06/12/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   205978
SAIF202622225     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance NOTELoanOfficerName 06/11/2026 06/18/2026 Cleared -Trailing Doc D A Credit Guidelines   Loan Officer is/was not registered in the state of Maryland. Per the NMLS his license expired on 01/02/2023 and the loan application date was 05/15/2026. 06/18/2026: verification of active license at time of origination, provided in trailing       50000.00 XX Primary Refinance Debt_Consolidation   205875
SAIF202622310     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/12/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $409.75 to $404.75.  Valid Change of Circumstance or Cure of $5.50 is required. 07/27/2026: CoC provided trailing       55000.00 XX Primary Refinance Debt_Consolidation   210849
SAIF202622397     C - Material Exception B - Non-Material A - Meets Guidelines A - Meets Guidelines C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/13/2026 08/13/2026 Cured C B Compliance State Late Charge   This loan failed the Iowa late fees test.  The note provides for a 5% late fee of principal and interest at 15 days.  Based on the P&I amount, the late fee is $32.01 and exceeds the state threshold of $30.00.    07/27/2026: Remediation Pening; Emailed One Diligence for review 08/05/2026: Seller indicates Remediation pending as of 08/04    08/13/2026: Evidence of mailing and executed corrected note provided in trailing docs       73100.00 XX Primary Refinance Debt_Consolidation   210951
SAIF202622255     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 06/15/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains 1 CD which was issued 06/01/2026 and the closing date was 06/02/2026 which is less than 3 days. 06/26/2026: Initial CD provided in trailing docs.       85000.00 XX Primary Refinance CashOut_Other   206288
SAIF202622218     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 06/16/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 06/01/2026 and the closing date was 06/03/2026 which is less than 3 days. 06/26/2026: Initial CD provided in trailing docs.       60000.00 XX Primary Refinance Debt_Consolidation   206488
SAIF202622218     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/16/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Origination Fee increased from $1000.00 to $1200.00. Valid CoC or cure of $200.00 is required. 06/26/2026: CoC provided in trailing docs.       60000.00 XX Primary Refinance Debt_Consolidation   206491
SAIF202622363     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/22/2026 06/22/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $6128.50 exceed the threshold of $4882.95.         170000.00 XX Primary Refinance CashOut_Other   207241
SAIF202622363     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/22/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   The final loan application Lender Loan Information reflects the subject property taxes as $854.63/mo as verified by the Tax Cert in file.  The 1008 reflects property taxes of $1709.26/month instead of $854.63/month. Review calculated DTI is 22.011% based on documentation in file. Please provide updated/corrected 1008. 07/16/2026: Provided in trailing docs.       170000.00 XX Primary Refinance CashOut_Other   207382
SAIF202622747     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSrLienOrigDate 07/15/2026 08/05/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Senior Lien Note from the file. 08/05/2026: Provided trailing       50000.00 XX Primary Refinance CashOut_Other   211623
SAIF202622747     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceEffectiveDate_Latest 07/15/2026 08/05/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of Homeowners Insurance in effect at the time of closing. The policy provided in the file has an effective date of 07/25/2026 which is after the closing date. 08/05/2026: provided in trailing       50000.00 XX Primary Refinance CashOut_Other   211626
SAIF202622747     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/16/2026 08/05/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $490 to $495. Valid CoC or cure of $5 required. 08/05/2026: CoC provided trailing       50000.00 XX Primary Refinance CashOut_Other   211645
SAIF202622313     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/21/2026 08/05/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $2000.00 to $2900.00. Valid CoC or cure of $900.00 is required. 08/05/2026: CoCs provided       145000.00 XX Primary Refinance Debt_Consolidation   212700
SAIF202622217     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportFlowOtherPropBefClos 06/12/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the property tax assessment record for the Borrower's investment property at XXXX 06/26/2026: Provided in trailing docs.       110000.00 XX Primary Refinance CashOut_Other   206093
SAIF202622217     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 06/12/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file only contains 1 Loan Estimate dated 05/14/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 05/14 but the next disclosure is a CD dated 05/26/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 06/26/2026: Revised LE provided in trailing docs.       110000.00 XX Primary Refinance CashOut_Other   206095
SAIF202622213     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/19/2026 06/19/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.    Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         78000.00 XX Primary Refinance CashOut_Other   207078
SAIF202622213     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLVestedIn 06/19/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   Title Search work reflects title held as the borrower and a person named "XXXX" as husband and wife and another person named "XXXX: a widow, as joint tenants; however, the Security Instrument reflects the borrower name and the name of "XXXX" as the spouse with no other person.  The file also contains an email to the borrower asking for clarifying but the file does not contain an email response or other documentation explaining/clarifying the discrepancy. 07/09/2026: Seller Response: XXXX is now known as XXXX. Current Vesting: XXXX and XXXX F/K/A XXXX husband and wife and XXXX unmarried. New Vesting: XXXX and XXXX. Please see a copy of the deed recorded at closing.  Grant Deed provided in trailing docs.       78000.00 XX Primary Refinance CashOut_Other   207083
SAIF202622213     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/18/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Points increased from $753.00 to $1661.40, the Loan Origination Fee increased from $1000.00 to $1560.00 and City/State Tax Stamps increased from $0.00 to $249.15. Valid COC or additional cure of $1717.55 required. 07/09/2026: A CoC tied to the 06/01 LE was provided which cured the discount points and origination fee violations, however, the City/County Tax/Stamps violation of $249.15 was not cured with the CoC provided. Valid CoC or cure of $249.15 required.    07/09/2026: Seller Response: Waiting for confirmation of the actual recording charge    07/27/2026: CoC provided trailing       78000.00 XX Primary Refinance CashOut_Other   207017
SAIF202622213     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/18/2026 08/05/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $840.00 to $1142.00.  Valid COC or cure of $218.00 required 07/09/2026: A CoC tied to the 06/01 LE was provided which cured the discount points and origination fee violations, however, the City/County Tax/Stamps violation of $249.15 was not cured with the CoC provided. Valid CoC or cure of $249.15 required.    07/27/2026: CoC provided which cleared the 0 tolerance exception, however, the loan still fails 10% tolerance test by $40.90.  Baseline 10% fees from the 05/14 LE, Title Ltd Coverage, Closing/Settlement, Title Search Abstract and Recording fee total $1001.00.  The final CD reflects those 4 fees as well as additional fees of Title Doc Prep and Title Subordination, total comparable fees is $1,142.00 and variance exceeds tolerance by $40.90.   Cure required.    08/05/2026: PCCD and cure evidence provided in trailing       78000.00 XX Primary Refinance CashOut_Other   207020
SAIF202622237     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/22/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       70000.00 XX Primary Refinance Debt_Consolidation   207387
SAIF202622419     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/22/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       93000.00 XX Primary Refinance Debt_Consolidation   207401
SAIF202622773     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 08/06/2026 08/06/2026 Waived B B Compliance Documentation   ****This loan failed the Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) test.  The seller provided 2 additional CDs in trailing docs to clear the "Wait Period Required" exception but the No Wait Period Required test failed, however, the exception is non-material due to borrower received the disclosure prior to closing.         55000.00 XX Primary Refinance Debt_Consolidation   215752
SAIF202622773     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 07/17/2026 08/17/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing E-Consent 08/10/2026: Seller indicates disclosures were mailed to customer, OD concurs.       55000.00 XX Primary Refinance Debt_Consolidation   212166
SAIF202622773     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/20/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the Revised Closing Disclosure Delivery Date test (Waiting Period Required).  The file contained 4 CDs. Two dated 06/10, one dated 06/30 which was signed at closing on 07/02, and a PCCD dated 07/07. The rate increased from 8.75% on the 06/10 CDs to 9.125% on the 06/30 CD and 07/07 PCCD. The 06/30 CD was issued less than 3 days of consummation. 08/06/2026: 2 CDs provided in trailing, exception cleared.       55000.00 XX Primary Refinance Debt_Consolidation   212364
SAIF202622365     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 06/23/2026 06/23/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $2653.28 exceed threshold of $1500 by $1153.28. Borrower paid fees included in testing: CPL $60, Flood Cert $6, Origination Fee $1,000, Discount Pts $1,065, Prepaid Interest $197.28 and Settlement Fee $325.  There were no Lender paid fees included in testing.         50000.00 XX Primary Refinance CashOut_Other   207470
SAIF202622365     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMBorrowerIncomeAndAssetsAccurateAndVerifiedIndicator 06/23/2026 07/09/2026 Cleared -Trailing Doc C A Compliance ATR   The file is missing the income documentation as required by guidelines. Review unable to validate the ability to repay. Upon receipt of the missing income documentation, the ability to repay will be assessed. 07/09/2026: WVOI through Truework provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207475
SAIF202622365     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/22/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 statements for borrower covering the most recent 2 year period as required by guidelines. 07/09/2026: WVOI through Truework provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207337
SAIF202622365     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 06/22/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing Pay Stubs for borrower covering the most recent 30-day period as required by guidelines. 07/09/2026: WVOI through Truework provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207339
SAIF202622365     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/22/2026 07/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains only two CDs with the earliest dated CD in file was issued 06/08/2026 and the closing date was 06/10/2026 which is less than 3 days.  The file contains a CoC tied to a CD dated 06/03 which was not in the loan file. 07/09/2026: Initial CD provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207363
SAIF202622365     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/22/2026 07/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $503 to $1065. Valid CoC or cure of $562 required. 07/09/2026: CoC provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207369
SAIF202622365     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/23/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207446
SAIF202622279     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/13/2026 08/25/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1601.70 to $1681.50 and the Transfer Taxes increased from $92.50 to $114. Valid CoC or cure of $101.30 is required. The loan amount increased on the CD dated 07/07, but there is no CoC tied to this CD.  There is a CoC tied to the 07/14 CD that is not completed. 08/25/2026: CoCs provided trailing       57000.00 XX Primary Refinance Debt_Consolidation   217130
SAIF202622292     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerWOE 06/23/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the WVOI to validate 2 years of overtime income as required by guidelines and reflected on the lender's income calculation worksheet. 07/09/2026: Provided in trailing docs.       91600.00 XX Primary Refinance Debt_Consolidation   207614
SAIF202622557     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/01/2026 07/02/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   209159
SAIF202622222     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/02/2026 07/02/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX  Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         149999.00 XX Primary Refinance CashOut_Other   209282
SAIF202622222     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/02/2026 07/02/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5219.97 exceed the threshold of $4325.25.         149999.00 XX Primary Refinance CashOut_Other   209330
SAIF202622368     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/06/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $379 to $877.50. Valid CoC or cure of $498.50 is required. 07/27/2026: CoC provided       50000.00 XX Primary Refinance Debt_Consolidation   209655
SAIF202622498     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/14/2026 07/17/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   211168
SAIF202622364     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/23/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       75000.00 XX Primary Refinance Debt_Consolidation   207589
SAIF202622364     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/23/2026 07/15/2026 Rescinded D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $799.30 to $630.00.  Valid CoC or cure of $106.30 required. 07/15/2026: Seller reply:  Disagree: The borrower selected and obtained services from their own settlement provider. As a result, the associated fees are considered borrower-shopped services and are not subject to tolerance requirements. Therefore, no  cure is required    07/15/2026: OD concurs, retested under the correct parameter.  No exception.  Review rescinds.       75000.00 XX Primary Refinance Debt_Consolidation   207543
SAIF202622370     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/16/2026 07/16/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         65000.00 XX Primary Refinance CashOut_Other   211737
SAIF202622370     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stMortgage_Status 07/16/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Mortgage from the loan file. The file only contained the Mortgage for the senior lien. 07/27/2026: provided trailing       65000.00 XX Primary Refinance CashOut_Other   211736
SAIF202622291     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/22/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207313
SAIF202622272     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 06/23/2026 06/24/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. *** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         62700.00 XX Primary Refinance CashOut_Other   207596
SAIF202622394     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/07/2026 07/08/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees included of $4,385.41 exceed threshold of $2,767.50 by $1,617.91.  Borrower paid fees included in testing:  CPL $60, Flood Cert $6, Orig Fee $1845,  Discount Pts $2011.05, Prepaid Int $138.36 and Settlement Fee $325. There were no Lender paid fees included in testing. ***Downgrade and waive per client instruction via email chain 01/19/2026***         92250.00 XX Primary Refinance Debt_Consolidation   209949
SAIF202622256     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 06/16/2026 06/16/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. *** Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.         50000.00 XX Primary Refinance Debt_Consolidation   206460
SAIF202622531     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TitleSearch_DocExists 07/07/2026 07/08/2026 Waived B B Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 250K, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350K in the offered jurisdictions. The loan file only has a title search.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         298395.00 XX Primary Refinance CashOut_Other   209800
SAIF202622531     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/08/2026 07/08/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $$13,591.89 exceed the threshold of $8,522.56.         298395.00 XX Primary Refinance CashOut_Other   210195
SAIF202622327     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/02/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan. 07/27/2026: Provided trailing       50000.00 XX Primary Refinance CashOut_Other   209305
SAIF202622293     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/25/2026 06/25/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $13,707.12 exceed the threshold of $9,102.23         318400.00 XX Primary Refinance CashOut_Other   207997
SAIF202622293     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stNote_Status 06/25/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Note for the subject loan. The only Note in the file is for the Senior Lien.  Compliance tested based on data points from the final CD; will be retested upon receipt of the note confirming the data. 07/16/2026: Provided in trailing docs.       318400.00 XX Primary Refinance CashOut_Other   207909
SAIF202622293     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/25/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/16/2026: Provided in trailing docs.       318400.00 XX Primary Refinance CashOut_Other   207946
SAIF202622261     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/18/2026 07/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $315 to $378 and the Loan Origination Fee increased from $1,000 to $1,200. Valid CoC or cure of $263.00 is required. 07/09/2026: CoC provided in trailing docs.       60000.00 XX Primary Refinance CashOut_Other   206874
SAIF202622274     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/30/2026 06/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX  Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance CashOut_Other   208703
SAIF202622274     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 06/30/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing page 10 of Final URLA for Co-Borrower.  1003 for the Borrower & Co-Borrower lists combined pages of 1-16 total pages.  Page 10 of 16 is missing. 07/27/2026: provided trailing       50000.00 XX Primary Refinance CashOut_Other   208704
SAIF202622274     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/30/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.    Review unable to validate the ratios used to qualify the loan. 07/27/2026: provided trailing       50000.00 XX Primary Refinance CashOut_Other   208705
SAIF202622294     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/26/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/16/2026: Provided in trailing docs.       100000.00 XX Primary Refinance Debt_Consolidation   208190
SAIF202622290     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/17/2026 06/19/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.   Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance Debt_Consolidation   206785
SAIF202622326     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/17/2026 06/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1021 to $1483.70 and Transfer Taxes increased from $165 to $222. Valid CoC or cure of $519.70 required. 06/26/2026: CoC provided in trailing docs.       74000.00 XX Primary Refinance Debt_Consolidation   206592
SAIF202622468     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/07/2026 07/08/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         94000.00 XX Primary Refinance Debt_Consolidation   209973
SAIF202622847     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/20/2026 07/21/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         116000.00 XX Primary Refinance CashOut_Other   212506
SAIF202622429     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/10/2026 07/10/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $8,260.00 exceed the threshold of $5,734.89.         200000.00 XX Primary Refinance Debt_Consolidation   210839
SAIF202622347     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/22/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 Statements for the borrower covering the most recent 2 year period as required by guidelines. 07/09/2026: WVOI through Truework provided in trailing docs.       56000.00 XX Primary Refinance Debt_Consolidation   207355
SAIF202622347     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/23/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       56000.00 XX Primary Refinance Debt_Consolidation   207535
SAIF202622312     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/01/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan. 07/27/2026: provided trailing       55000.00 XX Primary Refinance Debt_Consolidation   209096
SAIF202622308     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/23/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       60000.00 XX Primary Refinance Debt_Consolidation   207581
SAIF202622323     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/17/2026 06/17/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing,         75000.00 XX Primary Refinance Debt_Consolidation   206762
SAIF202622717     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/12/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The only Loan Estimate in file dated 05/22/2026 reflects the rate was unlocked.  Lock information in the file reflects the rate was locked on 05/22/2026 but the next disclosure is a CD dated 06/22/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 07/27/2026: LE provided in trailing       113000.00 XX Primary Refinance Debt_Consolidation   210851
SAIF202622717     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_1stMortgage_Status 07/16/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Mortgage for the subject loan from the file. The only Mortgage in the file is for the senior lien. 07/27/2026: provided trailing       113000.00 XX Primary Refinance Debt_Consolidation   211756
SAIF202622351     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/01/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/27/2026: provided trailing       75000.00 XX Primary Refinance CashOut_Other   209102
SAIF202622422     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/08/2026 07/08/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $7332 exceed the threshold of $6960.66.         240000.00 XX Primary Refinance Debt_Consolidation   210179
SAIF202622422     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/08/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $615 to $2532 and the Appraisal Fee increased from $835 to $1670. Valid CoC or cure of $2752 required. 07/27/2026: CoCs provided       240000.00 XX Primary Refinance Debt_Consolidation   210177
SAIF202622422     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/08/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $135 to $6.  Valid Change of Circumstance or Cure of $129 required. 07/27/2026: CoCs provided       240000.00 XX Primary Refinance Debt_Consolidation   210178
SAIF202622321     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalMoHOAFees 06/16/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   Provide HOA Assessment documentation. The document in file only reflects $0.00 balance and does not provide the HOA assessment amount. 06/26/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   206458
SAIF202622316     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/30/2026 06/30/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4232 exceed the threshold of $4139.         115000.00 XX Primary Refinance Debt_Consolidation   208771
SAIF202622316     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/30/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W2 statements for co-borrower covering the most recent 2 year period as required by guidelines. 07/27/2026: WVOI provided in trailing       115000.00 XX Primary Refinance Debt_Consolidation   208867
SAIF202622316     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 06/30/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing Pay Stubs for co-borrower covering the most recent 30-day period as required by guidelines. 07/27/2026: WVOI provided in trailing       115000.00 XX Primary Refinance Debt_Consolidation   208869
SAIF202622316     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/30/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W2 statements for borrower covering the most recent 2 year period as required by guidelines. 07/27/2026: WVOI provided in trailing       115000.00 XX Primary Refinance Debt_Consolidation   208716
SAIF202622316     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 06/30/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing Pay Stubs for borrower covering the most recent 30-day period as required by guidelines. 07/27/2026: WVOI provided in trailing       115000.00 XX Primary Refinance Debt_Consolidation   208717
SAIF202622316     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/30/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1652 to $1932 and Loan Origination Fee increased from $1700 to $2300. A Valid CoC or cure of $870 is required. 07/27/2026: CoCs provided       115000.00 XX Primary Refinance Debt_Consolidation   208770
SAIF202622664     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/11/2026 08/11/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4175.20 exceed the threshold of $4139         136000.00 XX Primary Refinance Debt_Consolidation   216476
SAIF202622459     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/17/2026 08/05/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $503 to $512.50. Valid CoC or cure of $9.50 required. 08/05/2026: CoC provided       50000.00 XX Primary Refinance Debt_Consolidation   211926
SAIF202622367     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/25/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   207948
SAIF202622367     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 06/24/2026 06/25/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         50000.00 XX Primary Refinance Debt_Consolidation   207904
SAIF202622460     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/26/2026 07/29/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         86125.00 XX Primary Refinance Debt_Consolidation   213542
SAIF202622530     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/01/2026 07/02/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $8,013.20 exceed the threshold of $7,804.05.         269000.00 XX Primary Refinance CashOut_Other   209246
SAIF202622530     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/01/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. The only CD in the file was issued 06/16/2026 and the closing date was 06/17/2026, which is less than 3 days. 07/27/2026: CD and CoCs provided       269000.00 XX Primary Refinance CashOut_Other   209249
SAIF202622530     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/02/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/27/2026: provided trailing       269000.00 XX Primary Refinance CashOut_Other   209289
SAIF202622530     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/02/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $5746 to $6133.20 and the City/County Tax/Stamps increased from $355.80 to 412.47. Valid CoC or cure of $443.87 required. 07/27/2026: CoC provided       269000.00 XX Primary Refinance CashOut_Other   209295
SAIF202622530     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 07/01/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing letter of explanation for the XXXX inquiry on 06/01/2026. 07/27/2026: Documentation provided in trailing that debt from this inquiry was included in ratios.       269000.00 XX Primary Refinance CashOut_Other   209040
SAIF202622324     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 06/26/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing for the Borrower. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   208106
SAIF202622324     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/26/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 Statements for Borrower covering the most recent 2 year period as required by guidelines. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   208109
SAIF202622324     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 06/26/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing Pay Stubs for Borrower covering the most recent 30-day period as required by guidelines.  File contains only paystubs for the CB. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   208110
SAIF202622324     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 06/26/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing for the Co-Borrower. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   208112
SAIF202622324     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/26/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 Statements for Co-Borrower covering the most recent 2 year period as required by guidelines. 07/16/2026: OD Response: The W-2s for the Borrower were provided in trailing, however, the W-2s for the Co-Borrower are still missing from the file.    07/27/2026: WVOI provided in trailing       50000.00 XX Primary Refinance Debt_Consolidation   208113
SAIF202622324     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/26/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   208139
SAIF202622324     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMBorrowerIncomeAndAssetsAccurateAndVerifiedIndicator 06/26/2026 07/27/2026 Cleared -Trailing Doc D A Compliance ATR   Review unable to verify the ability to repay due to income documentation missing from the file. Upon receipt of the missing documentation, the ability to repay will be assessed. 07/16/2026: OD Reply: Unable to validate the ability to repay due to missing W-2s for the Co-Borrower. Upon receipt of the missing documentation, the ability to repay will be assessed.    07/27/2026: all required documentation provided in trailing       50000.00 XX Primary Refinance Debt_Consolidation   208236
SAIF202622324     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance LE_Status 06/26/2026 07/09/2026 Cleared -Trailing Doc D A Compliance Documentation   File is Missing Loan Estimates. Unable to test compliance. Please provide all LEs that were provided to Borrowers and compliance will be tested. [Note: the file contains only 2 CDs 06/03 and 06/10 - if additional CDs were disclosed please provide as well] 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   208237
SAIF202622369     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/10/2026 07/13/2026 Waived B B Compliance State Violation   The loan failed the origination fee test.  The Origination Costs total $2730.00 and exceed the threshold of $2500.00, which is 5% of the loan amount. ***Per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the $400 Origination Fee which was paid by the lender, would result in no violation.  Waived.***         50000.00 XX Primary Refinance Debt_Consolidation   210841
SAIF202622369     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/13/2026 07/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   210985
SAIF202622369     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/10/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $1293.00 to $1730.00. Valid CoC or cure of $437.00 is required. 07/27/2026: CoC provided       50000.00 XX Primary Refinance Debt_Consolidation   210840
SAIF202622346     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/20/2026 06/23/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4388.76 exceed the threshold of $4139         100200.00 XX Primary Refinance Debt_Consolidation   207180
SAIF202622346     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/22/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       100200.00 XX Primary Refinance Debt_Consolidation   207284
SAIF202622488     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/30/2026 06/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report with a loan amount of $70,000, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document for the final loan amount of $80,000, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         80000.00 XX Primary Refinance CashOut_Other   208712
SAIF202622488     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/30/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/27/2026: Provided trailing       80000.00 XX Primary Refinance CashOut_Other   208713
SAIF202622488     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/29/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $1400.00 to $1600.00. Valid CoC or cure of $200.00 is required. 07/27/2026: CoC provided       80000.00 XX Primary Refinance CashOut_Other   208574
SAIF202622325     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/13/2026 07/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance Debt_Consolidation   210954
SAIF202622393     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLDocType 07/01/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   Title Policy insurance amount on the Commitment is $68,000 and less than the final loan amount of $71,000. 07/28/2026: FTP Provided trailing       71000.00 XX Primary Refinance Debt_Consolidation   209263
SAIF202622391     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/25/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/16/2026: Provided in trailing docs.       80000.00 XX Primary Refinance Debt_Consolidation   208005
SAIF202622569     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Application1008CLTVRatio 08/06/2026 08/14/2026 Cured D B Credit Documentation   1008 reflects a CLTV of 79.972% whereas the actual based on the 1st lien mortgage payment statement at the time of closing, dated 07/16, results in a CLTV of  81.906%. 08/14/2026: Seller provided evidence and cure in trailing docs; they provided the customers a principal reduction to the first lien which brought the CLTV to 79.99% and within guideline limit.       50000.00 XX Primary Refinance Debt_Consolidation   215951
SAIF202622569     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors C - Material Exception that can NOT be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 08/06/2026 08/14/2026 Cured C B Compliance State Violation   This loan failed the total indebtedness test due to one of the following findings: (Texas Constitution, Article 16, Section 50 (a)(6).  The loan closed 07/24/2026.  The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds 80% of the fair market value of the homestead on the date the extension of credit is made. Per appraisal value is $356,000.  80% of appraised value = $284,800.  The most recent 1st lien mortgage payment statement, at the time of loan closing, dated 07/16 reflects outstanding balance of $241,586.51 + subject loan of $50,000 = total of $291,586.51 and exceeds state statute tolerance. 08/14/2026: Seller provided evidence and cure in trailing docs; they provided the customers a principal reduction to the first lien which brought the CLTV to 79.99% and within guideline limit.  Compliance retested, exception cleared.       50000.00 XX Primary Refinance Debt_Consolidation   215952
SAIF202622560     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/12/2026 07/12/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $8,058.60 exceed the threshold of $6400.11.         222000.00 XX Primary Refinance Debt_Consolidation   210850
SAIF202622396     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/13/2026 07/16/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   211008
SAIF202622348     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/30/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan. 07/28/2026: provided trailing       51000.00 XX Primary Refinance Debt_Consolidation   208715
SAIF202622392     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/01/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan. 07/28/2026: provided trailing       54200.00 XX Primary Refinance CashOut_Other   209051
SAIF202622494     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/07/2026 07/10/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         106000.00 XX Primary Refinance CashOut_Other   209885
SAIF202622494     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/10/2026 07/10/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,881.30 exceed the threshold of $4,139.00.         106000.00 XX Primary Refinance CashOut_Other   210678
SAIF202622494     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/10/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Transfer Fee increased from $0.00 to $2.55. Total violation of $2.55.  The final CD reflects a tolerance cure of $2.55 however, the loan fails both 0 tolerance and 10% tolerance tests by a combined total of $75.15, therefore a cure of $2.55 is insufficient.  Additional cure of $72.60 to clear total violation or CoC required. 07/28/2026: CoC provided trailing       106000.00 XX Primary Refinance CashOut_Other   210680
SAIF202622494     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/10/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $594 to $726.  Total violation is $72.60.  The final CD reflects a tolerance cure of $2.55 however, the loan fails both 0 tolerance and 10% tolerance tests by a combined total of $75.15, therefore a cure of $2.55 is insufficient.  Additional cure of $72.60 to clear total violation or CoC required. Valid CoC or cure of $72.60 is required. 07/28/2026: CoC provided trailing       106000.00 XX Primary Refinance CashOut_Other   210681
SAIF202622427     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/01/2026 07/01/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees included of $3,267.82 exceed threshold of $3,150.00 by $117.82.  Borrower paid fees included in testing:  CPL $60, Flood Cert $6, Origination Fee $2100,  Discount Pts $598.50, Prepaid Int $178.32 and Settlement Fee $325. There are no Lender paid fees included in testing. ***Downgrade and waive per client instruction via email chain 01/19/2026***         105000.00 XX Primary Refinance Debt_Consolidation   209145
SAIF202622427     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/01/2026 07/01/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         105000.00 XX Primary Refinance Debt_Consolidation   209202
SAIF202622427     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/01/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/28/2026: trailing provided       105000.00 XX Primary Refinance Debt_Consolidation   209206
SAIF202621719     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/01/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/28/2026: provided trailing       84000.00 XX Primary Refinance Debt_Consolidation   209022
SAIF202622390     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/25/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       53200.00 XX Primary Refinance CashOut_Other   207928
SAIF202622541     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/16/2026 07/20/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX  Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         60000.00 XX Primary Refinance CashOut_Other   211907
SAIF202622366     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/25/2026 06/25/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         65000.00 XX Primary Refinance CashOut_Other   207918
SAIF202622366     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/25/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       65000.00 XX Primary Refinance CashOut_Other   207922
SAIF202622922     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/05/2026 08/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1425 to $1490. A Valid CoC or cure of $65 is required.    08/17/2026: Disagree. We looked in sage extract path and found the COC documents saved under document named "Disclosure_Tracking_Reasons_-_LE_and_CD". Please review the same 08/17/2026: OD Reply: The CoC in file is tied to the 07/09 LE; however it does not address the failure cited. The Discount Fee on the 07/09 LE is $1425 and the Discount Fee increased to $1490 on the 07/14 CD.    08/24/2026: CoC provided trailing       50000.00 XX Primary Refinance Debt_Consolidation   215402
SAIF202622490     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/01/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/28/2026: Provided trailing       155000.00 XX Primary Refinance CashOut_Other   209111
SAIF202622623     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 07/22/2026 07/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         75000.00 XX Primary Refinance CashOut_Other   212988
SAIF202622623     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 07/27/2026 07/27/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan is not R&W Eligible. ***Full 2055 Exterior Valuation in file, Non-material, Waived per client directive.***         75000.00 XX Primary Refinance CashOut_Other   213639
SAIF202622623     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 07/22/2026 08/05/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $0 to $690. Valid CoC or cure of $690 required. 08/05/2026: CoC provided       75000.00 XX Primary Refinance CashOut_Other   213144
SAIF202622448     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/01/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/28/2026: provided trailing       131000.00 XX Primary Refinance Debt_Consolidation   209112
SAIF202622612     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/08/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The City/County Tax/Stamps increased from $33.25 to $44.58. Valid CoC or cure of $11.33 is required. 07/28/2026: CoC provided       53500.00 XX Primary Refinance CashOut_Other   210236
SAIF202622621     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/30/2026 07/01/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document is missing. Per client, seller to provide MHELP w/in 90 days of closing.         78000.00 XX Primary Refinance CashOut_Other   208960
SAIF202622621     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/01/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $165 to $690. A Valid CoC or cure of $525 is required. 07/28/2026: CoC provided       78000.00 XX Primary Refinance CashOut_Other   209008
SAIF202622621     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/30/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/28/2026: provided trailing       78000.00 XX Primary Refinance CashOut_Other   208942
SAIF202622699     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 07/13/2026 07/16/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  File is missing USDP reports due to appraisal type being 2055 Appraisal Report.  UTD CU Score or R&W Eligible. 2055 in file, non-material, waived per client directive.         65000.00 XX Primary Refinance CashOut_Other   211042
SAIF202622699     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 07/14/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $165 to $965. Valid CoC or cure of $800 required. 07/28/2026: provided trailing       65000.00 XX Primary Refinance CashOut_Other   211103
SAIF202622418     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 06/18/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Credit Inquiry letter for the inquiry with XXXX on 05/08/2026. 06/26/2026: Provided in trailing docs.       54000.00 XX Primary Refinance CashOut_Other   206865
SAIF202622568     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseStateRegsResult 07/09/2026 07/13/2026 Waived B B Compliance State Violation   This loan failed the TX prohibited fees test by $71.  Fees included in the test: Title Tax Certificate. ***Per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Title Tax Certificate paid by the lender, would result in no violation.  Waived.***         110000.00 XX Primary Refinance Debt_Consolidation   210502
SAIF202622568     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 07/09/2026 07/13/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         110000.00 XX Primary Refinance Debt_Consolidation   210507
SAIF202622568     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 07/13/2026 07/13/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 37 and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive         110000.00 XX Primary Refinance Debt_Consolidation   210904
SAIF202622568     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 07/13/2026 07/13/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.269 % APR exceeds the 9.750% threshold to qualify for a safe harbor.         110000.00 XX Primary Refinance Debt_Consolidation   210919
SAIF202622568     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 07/09/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $60.50. Valid CoC or cure of $60.50 is required. 07/28/2026: CoC trailing       110000.00 XX Primary Refinance Debt_Consolidation   210510
SAIF202622568     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 07/09/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test. Fees increased from $1384 to $1575.25. Valid CoC or cure of 52.85 is required. 07/28/2026: CoC trailing       110000.00 XX Primary Refinance Debt_Consolidation   210511
SAIF202622578     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/02/2026 07/02/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $10276.50 exceed the threshold of $7319.09.         255000.00 XX Primary Refinance CashOut_Other   209340
SAIF202622412     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/01/2026 07/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $1,578 to $1,653. Valid CoC or cure of $75 is required. 07/27/2026: CoC provided       60000.00 XX Primary Refinance Debt_Consolidation   209123
SAIF202622412     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/01/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/27/2026: Provided trailing       60000.00 XX Primary Refinance Debt_Consolidation   209197
SAIF202622410     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/23/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   207413
SAIF202622410     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceBEDTI_Difference 07/09/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   ***New Finding*** The 1008 provided in trailing docs dated 06/01/2026 with timestamp 01:23 PM reflects a Lender DTI of  46.743%. Review calculates the DTI to be 48.936% based on the remaining debt not being paid off at closing of $153. Please provide an updated/corrected 1008 or an explanation on how the Lender calculated their DTI. 07/27/2026: Corrected 1008 provided       50000.00 XX Primary Refinance Debt_Consolidation   210488
SAIF202622420     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 08/24/2026 08/24/2026 Waived B B Compliance TRID   ****NEW EXCEPTION**** This loan failed the Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test.  The PCCD and Reimbursement are more than 60 calendar days after the closing date.   Customer was cured, per client, non-material, downgrade and waive.         50000.00 XX Primary Refinance CashOut_Other   218705
SAIF202622420     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/01/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/27/2026: provided trailing       50000.00 XX Primary Refinance CashOut_Other   209032
SAIF202622420     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/30/2026 08/24/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $432 to $699.50.  The CDs introduced an Abstract fee and Title Doc Prep fee that previously were not disclosed as well as increased Settlement and Title Binder fees.  The Lender's Title Insurance and Attorney fees that were on the LEs dropped off and no longer considered.  Valid CoC or cure of $224.30 required.      08/05/2026: Refund pending    08/13/2026: Refund pending 07/27/2026: Seller provided a CoC tied to the iCD dated 06/08, however it was on the 06/11 final CDs where the CDs introduced an Abstract fee and Title Doc Prep fee that previously were not disclosed as well as increased Settlement and Title Binder fees.  The Lender's Title Insurance and Attorney fees that were on the LEs dropped off and no longer considered.  Valid CoC or cure of $224.30 required.  Exception remains valid.    08/24/2026: PCCD and evidence of cure provided in trailing docs       50000.00 XX Primary Refinance CashOut_Other   208918
SAIF202622663     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/30/2026 08/03/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         301000.00 XX Primary Refinance Debt_Consolidation   214572
SAIF202622663     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/31/2026 08/03/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $12,100.20 exceed the threshold of $8,636.38.         301000.00 XX Primary Refinance Debt_Consolidation   214724
SAIF202622663     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/31/2026 08/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $5870.00 to $6080.20. Valid CoC or cure of $210.20 required.    08/14/2026: Disagree. We looked in sage extract path and found the COC documents saved under document named "Disclosure_Tracking_Reasons_-_LE_and_CD". Please review the same 08/14/2026: The referenced file was reviewed AND the CoC was added to the respective LE dated 07/09 when the fee increased to$5870.  The exception is citing that the fee again was increased on the CDs but there is no valid CoC in file.  Please review what was uploaded previously, only 1 CoC was provided.  Finding is valid as no CoCs are tied to the increased fee on the CDs.  $210.20 cure required.       301000.00 XX Primary Refinance Debt_Consolidation   214721
SAIF202622491     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/01/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/27/2026: Provided trailing       50000.00 XX Primary Refinance CashOut_Other   209180
SAIF202622470     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/09/2026 07/14/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance Debt_Consolidation   210450
SAIF202622470     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/12/2026 07/14/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         100000.00 XX Primary Refinance Debt_Consolidation   210848
SAIF202622489     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/30/2026 07/30/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.   Review unable to validate the ratios used to qualify the loan. 07/27/2026: provided trailing       100000.00 XX Primary Refinance CashOut_Other   208697
SAIF202622425     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLLegalDescription 06/22/2026 07/16/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Legal Description for the Title Policy. 07/16/2026: Seller response: The received FTP is short form residential loan policy. we do not receive legal description on short form policy       52000.00 XX Primary Refinance Debt_Consolidation   207343
SAIF202622425     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/22/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       52000.00 XX Primary Refinance Debt_Consolidation   207345
SAIF202622411     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/30/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/27/2026: provided trailing       75000.00 XX Primary Refinance Debt_Consolidation   208779
SAIF202622411     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/01/2026 07/27/2026 Cured D B Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains 2 CDs.  The earliest dated CD in file was issued 06/15/2026 and the closing date was 06/16/2026 which is less than 3 days.  It is also noted that the 06/15 CD was executed at closing with closing costs of $4595.92 and another CD issued 06/16, the day of closing, showing closing costs of $4,556.92.  The 06/16 CD in file is not executed but bar coded as delivered.  Review unable to determine if the borrower overpaid closing costs or if the 06/16 CD is invalid. 07/27/2026: Seller provided iCD and PCCD and cure documents in trailing docs, compliance retested, no exceptions.       75000.00 XX Primary Refinance Debt_Consolidation   209015
SAIF202622496     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/13/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimate dated 05/29/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 05/30 but the next disclosure is a CD dated 06/18/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 07/28/2026: rLE provided in trailing       95000.00 XX Primary Refinance CashOut_Other   211026
SAIF202622426     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/25/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       100000.00 XX Primary Refinance Debt_Consolidation   207905
SAIF202622853     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/07/2026 08/07/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $16336.50 exceed the threshold of $9839.17.         345000.00 XX Primary Refinance Debt_Consolidation   215958
SAIF202622853     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 08/05/2026 08/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing for Borrower 2 (XXXX).  VOE in file is dated 07/01/2026, loan closed 07/23/2026. 08/14/2026: VVOE within 10 days provided in trailing docs.    08/14/2026: VVOE within 10 days provided in trailing docs.    08/14/2026: VVOE within 10 days provided in trailing docs.       345000.00 XX Primary Refinance Debt_Consolidation   215673
SAIF202622430     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/29/2026 08/03/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         65000.00 XX Primary Refinance Debt_Consolidation   214178
SAIF202622430     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/30/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test.  The Loan Discount Fee increased from $20 to $74.75 and the City/County Tax/Stamps Fee increased from $20.50 to $54.17. Valid CoC or cure of $88.42 is required. 08/14/2026: CoCs provided       65000.00 XX Primary Refinance Debt_Consolidation   214273
SAIF202622597     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/22/2026 08/05/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1785.00 to $1972.50. Valid CoC or cure of $187.50 is required. 08/05/2026: CoC provided       75000.00 XX Primary Refinance Debt_Consolidation   212967
SAIF202622433     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/24/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Review unable to validate the ratios used to qualify the loan. 07/09/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   207899
SAIF202622534     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/14/2026 07/16/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees of $3198.74 exceed threshold of $3000.00 by $198.74.  Borrower paid fees included in testing:  CPL - $60.00, Flood Cert - $6, Loan Origination Fee - $1150.00, Loan discount fee - $830, Prepaid Interest - ($22.26), Settlement Charge - $325.  Lender paid fees included in testing:  Loan Origination fee - $850.00. ***Downgrade and waive per client instruction via email chain 01/19/2026***         100000.00 XX Primary Refinance CashOut_Other   211234
SAIF202622801     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/16/2026 08/24/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $635 to $800. Valid CoC or cure of $165 required. 08/05/2026: Seller indicates CoCs were in the file, and they are, however, the CoC tied to a 06/25 disclosure when the Appraisal Fee increased, is tied to an LE dated 06/25.  The file contains no LE dated 06/25.  There is a CD dated 06/25.  Exception remains valid.  Provide referenced LE or corrected CoC.    08/13/2026: Per seller refund pending    08/24/2026: PCCD and evidence of cure provided in trailing docs       63650.00 XX Primary Refinance CashOut_Other   211643
SAIF202622457     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/02/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Point Fee increased from $1213 to $1663.20. Valid CoC or cure of $450.20 required. 07/28/2026: coc provided       72000.00 XX Primary Refinance CashOut_Other   209350
SAIF202622533     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/09/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $1780 to $1905. Valid CoC or cure of $125 is required. 07/28/2026: CoC provided       100000.00 XX Primary Refinance Debt_Consolidation   210455
SAIF202622435     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/14/2026 07/17/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   211191
SAIF202622446     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/30/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan. 07/28/2026: provided trailing       50000.00 XX Primary Refinance CashOut_Other   208718
SAIF202622504     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/08/2026 07/08/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   210217
SAIF202622495     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/08/2026 07/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance Debt_Consolidation   210113
SAIF202622566     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/29/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/28/2026: provided trailing       100000.00 XX Primary Refinance Debt_Consolidation   208488
SAIF202622566     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 07/01/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the credit inquiry letter of explanation for XXXX on 05/29/2026. 07/28/2026: provided trailing       100000.00 XX Primary Refinance Debt_Consolidation   209010
SAIF202622598     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/27/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0.00 to $30.00 and the Loan Origination Fee increased from $1800.00 to $3000.00. Valid CoC or cure of $1230.00 is required. 08/06/2026: trailing provided       150000.00 XX Primary Refinance Debt_Consolidation   213668
SAIF202622598     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/27/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $1737.00 to $0.00.  Valid Change of Circumstance or Cure of $1737.00 is required. 08/06/2026: trailing provided       150000.00 XX Primary Refinance Debt_Consolidation   213669
SAIF202622473     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/13/2026 07/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report with a loan amount of $73,275, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document reflecting coverage for the final loan amount of $83,500, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         83500.00 XX Primary Refinance Debt_Consolidation   210864
SAIF202622141     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/06/2026 07/06/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $6314.75 exceed the threshold of $4142.62.         145000.00 XX Primary Refinance CashOut_Other   209504
SAIF202622781     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/06/2026 08/06/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5437.50 exceed the threshold of $4171.82.         145000.00 XX Primary Refinance CashOut_Other   215824
SAIF202622497     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/14/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $818 to $971.  Valid CoC or cure of $71.20 required 07/28/2026: coc provided       50000.00 XX Primary Refinance CashOut_Other   211105
SAIF202622690     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/13/2026 07/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   210856
SAIF202622690     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/09/2026 07/13/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         50000.00 XX Primary Refinance Debt_Consolidation   210483
SAIF202622576     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/29/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.   Review unable to validate the ratios used to qualify the loan. 07/28/2026: provided trailing       50000.00 XX Primary Refinance CashOut_Other   208694
SAIF202622503     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/06/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0.00 to $102.50. Valid CoC or cure of $102.50 is required. 07/28/2026: coc's provided       50000.00 XX Primary Refinance Debt_Consolidation   209482
SAIF202622503     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/06/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $98 to $0.  Valid Change of Circumstance or Cure of $98 required. 07/28/2026: coc's provided       50000.00 XX Primary Refinance Debt_Consolidation   209491
SAIF202622529     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/30/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/28/2026: provided trailing       149999.00 XX Primary Refinance CashOut_Other   208714
SAIF202622529     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/30/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $3,945 to $4,319.97. A Valid CoC or cure of $374.97 is required. 07/28/2026: coc provided       149999.00 XX Primary Refinance CashOut_Other   208860
SAIF202622572     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/29/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/28/2026: provided trailing       60000.00 XX Primary Refinance Debt_Consolidation   208435
SAIF202622542     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/11/2026 08/12/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         87500.00 XX Primary Refinance Debt_Consolidation   216748
SAIF202622542     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/12/2026 08/25/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $56.88.  Valid CoC or cure of $56.88 required. Review notes that the file contains 3 CDs: 07/14/ 07/15 and the final CD 07/21.  The file contains a blank CoC tied to a 07/20 CD which was not in the file.  Please provide completed CoCs and additional CD(s) as applicable, other cure of $56.88 required. 08/25/2026: CoC provided in trailing docs       87500.00 XX Primary Refinance Debt_Consolidation   216791
SAIF202622542     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/12/2026 08/25/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $4.38  to $0.  Valid Change of Circumstance or Cure of $4.38 required. The file contains a CoC tied to the 07/15/2026 CD which predates the lender credit decrease to $0. 08/25/2026: Coc Provided trailing docs       87500.00 XX Primary Refinance Debt_Consolidation   216955
SAIF202622502     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 06/29/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary. Reviewer unable to validate the ratios used to qualify the loan. 07/28/2026: provided trailing       108000.00 XX Primary Refinance Debt_Consolidation   208587
SAIF202622596     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/23/2026 07/27/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5,492.60 exceed the threshold of $4,139.00.         117000.00 XX Primary Refinance Debt_Consolidation   213342
SAIF202622596     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/23/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $3197.00 to $3252.60. Valid CoC or cure of $55.60 is required. 08/06/2026: CoC provided       117000.00 XX Primary Refinance Debt_Consolidation   213343
SAIF202622562     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/14/2026 07/14/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,301.40 exceed the threshold of $4,139.00.         107000.00 XX Primary Refinance Debt_Consolidation   211182
SAIF202622558     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/08/2026 07/08/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $1829.30 exceed threshold of $1500 by $329.30. Borrower paid fees included in testing: CPL $60, Flood Cert $6, Origination Fee $1,000, Discount Pts $377.50, Prepaid Interest $60.80 and Settlement Fee $325. There were no Lender paid fees included in testing. ***Downgrade and waive per client instruction via email chain 01/19/2026***         50000.00 XX Primary Refinance CashOut_Other   210162
SAIF202622559     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/09/2026 07/13/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,608.62 exceed the threshold of $4,139.00.         102300.00 XX Primary Refinance Debt_Consolidation   210410
SAIF202622559     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/13/2026 07/13/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         102300.00 XX Primary Refinance Debt_Consolidation   210853
SAIF202622532     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 07/08/2026 07/10/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         85000.00 XX Primary Refinance CashOut_Other   210144
SAIF202622532     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 07/10/2026 07/28/2026 Waived D B Valuation Documentation   Missing the UCDP Reports from the file. Review is unable to determine the CU score and Rep and Warrant Relief eligibility. 07/28/2026: Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.9 and is not R&W Eligible.  Full appraisal in file, Non-material, Waived per client directive.    07/28/2026: UCDPs provided in trailing docs, Loan has a CU Score of 2.9 and is not R&W Eligible.  Full appraisal in file, Non-material, Waived per client directive.       85000.00 XX Primary Refinance CashOut_Other   210768
SAIF202622532     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var BorrowerCreditReportLastInquiryDate 07/10/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a letter of explanation for the credit inquiry with XXXX on 06/01/2026. 07/28/2026: LOX provided in trailing       85000.00 XX Primary Refinance CashOut_Other   210772
SAIF202622532     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var EligibilityAcceptanceCreditScore_Difference 07/10/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 shows the Lender used a qualifying fico score of 725. Credit Report reflects the lowest median fico score of the borrowers is 711. Please provide updated 1008 or an explanation for using the higher fico score of 725. 07/28/2026: corrected 1008 provided       85000.00 XX Primary Refinance CashOut_Other   210778
SAIF202622532     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseStateRegsResult 07/09/2026 07/10/2026 Rescinded A A Compliance QM   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         85000.00 XX Primary Refinance CashOut_Other   210389
SAIF202622852     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/29/2026 07/31/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         150000.00 XX Primary Refinance CashOut_Other   214233
SAIF202622852     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/31/2026 07/31/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 10.208% and the QM APR Threshold is 9.720%.         150000.00 XX Primary Refinance CashOut_Other   214716
SAIF202622852     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/31/2026 07/31/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 10.208 %. The APR threshold to qualify for a safe harbor is 9.720%.         150000.00 XX Primary Refinance CashOut_Other   214720
SAIF202622852     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/31/2026 07/31/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         150000.00 XX Primary Refinance CashOut_Other   214722
SAIF202622852     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportFlowOtherPropBefClos 07/31/2026 08/14/2026 Cleared -Trailing Doc D A Credit Documentation   The final 1003 includes an other liability in Section 2c for XXXX 2nd Home Purchase in the amount of $618,750 with a monthly payment of $4751.57. Review did not locate documentation to validate this debt. Please provide documentation. 08/14/2026: documentation provided in trailing       150000.00 XX Primary Refinance CashOut_Other   214711
SAIF202622852     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CreditHistoryFraudReportRedFlags 07/31/2026 08/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence that the red flags on the fraud report were addressed and cleared by the Lender. The red alerts are Borrower property ownership records online indicate possible undisclosed real estate and the subject property value is not within recent market sale ranges. 08/14/2026: Updated Drive report provided in trailing showing red flags cleared       150000.00 XX Primary Refinance CashOut_Other   214715
SAIF202622580     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/06/2026 07/06/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4705 exceed the threshold of $4139.         100000.00 XX Primary Refinance CashOut_Other   209461
SAIF202622670     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/13/2026 07/16/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing         149999.00 XX Primary Refinance CashOut_Other   210956
SAIF202622830     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance TPOLSeniorLoanAmount 08/05/2026 08/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Mortgage Statement for 1st lien.    08/14/2026: Disagree. Property__Mortgage_Statement_for_Subject - Document available in Extract.  Document uploaded on OD portal. 08/14/2026: OD Reply: Located the mortgage statement for the 1st lien in the file.       50000.00 XX Primary Refinance Debt_Consolidation   215691
SAIF202622830     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalIsPropAppraisedAsIs 08/05/2026 08/14/2026 Cleared -Trailing Doc D A Valuation Documentation   The appraisal was completed subject to repairs (replacement of carpeting in one room and cleaning of others). The 1004D Appraisal Update and/or Completion Report was not located in the file. 08/14/2026: 1004D provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   215693
SAIF202622830     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance CreditHistoryFraudReportAvailable 08/05/2026 08/14/2026 Cleared -Trailing Doc D A Credit Documentation   The fraud report or evidence that potential fraud search was conducted, is missing from the file. 08/14/2026: Fraud report provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   215694
SAIF202622830     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/06/2026 08/25/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Re-Inspection Fee increased from $0 to $250. Valid CoC or cure of $250 required. The file contained a CoC tied to the 07/07 CD; however it was for a rate extension, not for the Appraisal Re-Inspection Fee.    08/14/2026: Please see COC form. Document uploaded on OD portal. 08/14/2026: OD Reply: The CoC was received and input, however, once compliance was retested there was a new failure for the CoC disclosure delivery date. The exception remains open.    08/25/2026: Seller rebutted in trailing docs they consider July 3 a Federal holiday when it falls on a Friday, compliance retested, exception cleared.       50000.00 XX Primary Refinance Debt_Consolidation   215782
SAIF202622830     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseExceptionsResult 08/14/2026 08/25/2026 Cured D B Compliance TRID   ***NEW FINDING*** This loan failed the Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test. The CoC tied to the 07/07 CD has a changes received date of 07/01 which is more than 3 days. 08/25/2026: Seller rebutted in trailing docs they consider July 3 a Federal holiday when it falls on a Friday, compliance retested, exception cleared.       50000.00 XX Primary Refinance Debt_Consolidation   217447
SAIF202622658     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/17/2026 07/17/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         53200.00 XX Primary Refinance CashOut_Other   212031
SAIF202622658     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/17/2026 07/17/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 10.700%. The APR threshold to qualify for a safe harbor is 10.020%.         53200.00 XX Primary Refinance CashOut_Other   212032
SAIF202622540     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/13/2026 07/16/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing         79000.00 XX Primary Refinance Debt_Consolidation   210978
SAIF202622579     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/07/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimate dated 06/06/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/06/2026 but the next disclosure is a CD dated 06/16/2026.  There is no corresponding LE reflecting the rate lock. The file contains 2 CoCs tied to LEs dated 06/08/2026 and 06/12/2026 which were not located in the file. 07/28/2026: rLE provided trailing       80000.00 XX Primary Refinance CashOut_Other   209959
SAIF202622579     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/07/2026 07/08/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         80000.00 XX Primary Refinance CashOut_Other   209957
SAIF202622921     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/29/2026 08/03/2026 Waived B B Compliance TILA   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $1502.30 exceed threshold of $1500 by $2.30. Borrower paid fees included in testing: CPL $60, Flood Cert $6, Origination Fee $1,000, Prepaid Interest $111.30 and Settlement Fee $325.  There were no Lender paid fees included in testing. ***Downgrade and waive per client instruction via email chain 01/19/2026.***         50000.00 XX Primary Refinance Debt_Consolidation   214272
SAIF202623043     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 07/30/2026 07/31/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         64825.00 XX Primary Refinance CashOut_Other   214312
SAIF202623043     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 07/31/2026 07/31/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan does not have a CU Score and is not R&W Eligible. ***2055 Exterior Appraisal l in file, Non-material, Waived per client directive.***         64825.00 XX Primary Refinance CashOut_Other   214756
SAIF202623043     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTILAResult 07/30/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimate dated 06/22/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/22 but the next disclosure is a CD dated 07/08/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/14/2026: LE provided trailing       64825.00 XX Primary Refinance CashOut_Other   214447
SAIF202622659     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/21/2026 07/22/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4480.00 exceed the threshold of $4139.00.         100000.00 XX Primary Refinance CashOut_Other   212746
SAIF202622659     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/21/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file only contains 1 Loan Estimate dated 06/09/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/09 but the next disclosure is a CD dated 06/30/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/06/2026: LE provided in trailing       100000.00 XX Primary Refinance CashOut_Other   212745
SAIF202622669     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/09/2026 07/09/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,974.88 exceed the threshold of $4,139.00.         105600.00 XX Primary Refinance Debt_Consolidation   210266
SAIF202622669     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/08/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2,223 to $3,542.88. Valid CoC or cure of $1,319.88 is required. 07/28/2026: coc provided trailing       105600.00 XX Primary Refinance Debt_Consolidation   210232
SAIF202622669     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 07/09/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a letter of explanation for the credit inquiry with XXXX on 06/17/2026 and XXXX on 06/12/2026. 07/28/2026: lox provided trailing       105600.00 XX Primary Refinance Debt_Consolidation   210263
SAIF202623146     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/04/2026 08/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         65000.00 XX Primary Refinance Debt_Consolidation   215373
SAIF202622979     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 07/28/2026 07/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report with a loan amount of $149,999, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document with the final loan amount of $125,000, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         125000.00 XX Primary Refinance CashOut_Other   213995
SAIF202622979     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 07/30/2026 07/30/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  File is missing USDP reports due to appraisal type being 2055 Appraisal Report.  UTD CU Score or R&W Eligible. 2055 in file, non-material, waived per client directive.         125000.00 XX Primary Refinance CashOut_Other   214407
SAIF202622979     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTILAResult 07/29/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimate dated 06/19/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/26 but the next disclosure is a CD dated 07/07/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/14/2026: LE provided in trailing       125000.00 XX Primary Refinance CashOut_Other   214136
SAIF202622777     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 07/28/2026 07/28/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 3.2 and is not R&W Eligible. ***Full appraisal in file, Non-material, Waived per client directive.***         133000.00 XX Primary Refinance Debt_Consolidation   213723
SAIF202622649     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/14/2026 07/17/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         76000.00 XX Primary Refinance CashOut_Other   211227
SAIF202622649     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/15/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $1429.00 to $1713.80. Valid CoC or cure of $284.80 required. 07/28/2026: coc provided       76000.00 XX Primary Refinance CashOut_Other   211341
SAIF202622661     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/29/2026 07/29/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,169.90 exceed the threshold of $4,139.00.         98000.00 XX Primary Refinance Debt_Consolidation   214045
SAIF202623005     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/26/2026 08/06/2026 Cleared -Trailing Doc D A Compliance Documentation   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimate dated 06/09/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/17 but the next disclosure is a CD dated 07/06/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/06/2026: Rate Lock LE provided in trailing.       50630.00 XX Primary Refinance CashOut_Other   213540
SAIF202623005     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/26/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount fee increased from $945 to $1129.05 Valid CoC or cure of $184.05 required. 08/06/2026: Seller provided only 1 LE in trailing docs.  The CoC is tied to another LE dated 06/30 which was not provided.    08/06/2026: Seller provided only 1 LE in trailing docs.  The CoC is tied to another LE dated 06/30 which was not provided.  Exception remains.    08/14/2026: CoC provided trailing       50630.00 XX Primary Refinance CashOut_Other   213541
SAIF202623005     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 07/26/2026 08/06/2026 Rescinded D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed. 08/06/2026: No electronic disclosures, OD rescinds.       50630.00 XX Primary Refinance CashOut_Other   213539
SAIF202622779     C - Material Exception A - No Exceptions C - Outside of guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RatiosTotalIncomeBackDTI3 07/30/2026 08/14/2026 Cleared -Trailing Doc C A Credit DTI   DTI of 50.685% exceeds 50.000% permitted per guidelines.  The Lender used the expired Hazard Insurance Policy premium of $2754.75, period ending 07/01/2026. The updated Hazard Insurance Policy provided in the file effective 07/01/2026 - 07/01/2027 has an increased premium of $3166.29.  Using the current premium results in DTI over max allowable. 08/14/2026: updated 1008 provided reflecting correct HOI amount and removal of additional "Other" fee the appeared on the previous 1008 which reflected the difference between the old and current policy.       82000.00 XX Primary Refinance Debt_Consolidation   214457
SAIF202622770     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/16/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount fee increased from $735.00 to $815.75. Valid CoC or cure of $80.75 is required. 08/06/2026: CoC provided       65000.00 XX Primary Refinance CashOut_Other   211738
SAIF202622691     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/13/2026 07/16/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         73815.00 XX Primary Refinance Debt_Consolidation   210969
SAIF202622691     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/13/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $52.00 to $0.00.  Valid Change of Circumstance or Cure of $52.00 is required. 07/28/2026: coc provided       73815.00 XX Primary Refinance Debt_Consolidation   210979
SAIF202622802     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/15/2026 07/17/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   211588
SAIF202622923     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 08/13/2026 08/25/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimate dated 06/24/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/25 but the next disclosure is a CD dated 07/22/2026.  There is no corresponding LE or CD reflecting the rate lock. The file contains 2 CoCs tied to the 06/25 and 07/02 LEs which were not located in the file. 08/25/2026: LE provided in trailing       85000.00 XX Primary Refinance Debt_Consolidation   217134
SAIF202622803     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/20/2026 07/20/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5,958.40 exceed the threshold of $4,139.         128000.00 XX Primary Refinance CashOut_Other   212427
SAIF202622803     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/20/2026 08/13/2026 Waived D B Compliance TRID   This loan failed the TRID disclosure delivery and receipt date validation test.  The redisclosed CD with Date Issued of 06/27/2026 reflects it was electronically signed and received by the borrower on 06/26/2026 which is before Delivery/Issued Date.      08/06/2026: It was identified that the Closing Disclosure (CD) dated 6/27 reflected an incorrect Date Issued. The Date Issued should have been 6/26, which is also the date on which the borrowers signed the CD. We are currently partnering with our IT team to investigate the root cause of this discrepancy and determine why the incorrect date was displayed.  In the meantime, please advise whether any remediation would be required for this loan based on the date discrepancy identified above. 08/06/2026: Since the discovery of the error happened after consummation, the 60-day clerical error correction rule doesn't apply (that applies only when the clerical error does not affect timing).  At a minimum we would need written evidence confirming the actual disclosure issue/delivery date; however, we have escalated to XXXX for further/additional guidance and will update once so advised.    08/06/2026: XXXX has requested the following to cure:  Proof that the disclosure was delivered on 06/26 as well as a Letter of Explanation for the file.    08/13/2026: Seller provided LOX and screenshots explaining what occured, supporting materials provided and reviewed by XXXX.  Exception downgraded to B, non-material for this instance.       128000.00 XX Primary Refinance CashOut_Other   212430
SAIF202622746     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/14/2026 07/17/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         145000.00 XX Primary Refinance CashOut_Other   211247
SAIF202622746     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/15/2026 07/15/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,357.25 exceed the threshold of $4,213.81.         145000.00 XX Primary Refinance CashOut_Other   211392
SAIF202622746     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CreditHistoryCollectionPaidAtClosing 07/17/2026 07/28/2026 Cleared -Trailing Doc D A Credit Documentation   The credit report reflects the borrowers have an open Collection Account that opened 09/04/2024 in the amount of $5,394 reporting as of 05/28/2026.  There is no evidence this account was paid off outside of closing and was not paid off with the subject loan, nor is there an explanation in the file.    07/28/2026: Disagree: Heloan guide doesn’t state that the collections accounts are required to be paid off 07/28/2026: OD agrees and adds borrower has reestablished credit in past 12 mons.       145000.00 XX Primary Refinance CashOut_Other   211971
SAIF202622749     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/21/2026 07/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         107000.00 XX Primary Refinance Debt_Consolidation   212623
SAIF202622749     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/23/2026 07/27/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4948.75 exceed the threshold of $4139.         107000.00 XX Primary Refinance Debt_Consolidation   213227
SAIF202622749     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/23/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2505 to $2808.75, the Origination Fee increased from $2000 to $2140 and the State Tax/Stamps increased from $150 to $160.50. Valid CoC or cure of $454.25 is required. 08/06/2026: CoC provided       107000.00 XX Primary Refinance Debt_Consolidation   213225
SAIF202622778     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/28/2026 07/28/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $7412.40 exceed the threshold of $6130.17.         213000.00 XX Primary Refinance Debt_Consolidation   213846
SAIF202622778     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/28/2026 08/14/2026 Waived D B Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains 3 CDs, all of which were issued 07/08/2026 and the closing date was 07/10/2026 which is less than 3 days.    08/06/2026: It was identified that the Closing Disclosure (CD) dated 7/8 reflected an incorrect Date Issued. The Date Issued should have been 7/7, which is also the date on which the borrowers signed the CD. We are currently partnering with our IT team to investigate the root cause of this discrepancy and determine why the incorrect date was displayed.  In the meantime, please advise whether any remediation would be required for this loan based on the date discrepancy identified above. 08/06/2026: Since the discovery of the error happened after consummation, the 60-day clerical error correction rule doesn't apply (that applies only when the clerical error does not affect timing).  At a minimum we would need written evidence confirming the actual disclosure issue/delivery date; however, we have escalated to XXXX for further/additional guidance and will update once so advised.    08/06/2026: XXXX has requested the following to cure:  Proof that the disclosure was delivered on 07/07 as well as a Letter of Explanation for the file.    08/14/2026: Provided trailing       213000.00 XX Primary Refinance Debt_Consolidation   213847
SAIF202622750     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/22/2026 07/22/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5,319.60 exceed the threshold of $4,139.00.         132000.00 XX Primary Refinance Debt_Consolidation   213090
SAIF202622754     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/31/2026 08/03/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $7,057.45 exceed the threshold of $4,267.87.         149999.00 XX Primary Refinance Debt_Consolidation   214703
SAIF202622754     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceExpirationDate_Latest 07/30/2026 08/14/2026 Rescinded D A Credit Documentation   This loan is missing the current Master Condo Insurance Policy. 08/14/2026: Master policy in file, exception revoked       149999.00 XX Primary Refinance Debt_Consolidation   214564
SAIF202622848     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/23/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from 10,290 to $9765.  Valid Change of Circumstance or Cure of $525 required.    08/06/2026: Disagree. We looked in sage extract path and found all the COC documents saved under document named "Disclosure_Tracking_Reasons_-_LE_and_CD". Please review the same on OD portal 08/06/2026: OD Reply:  We did and they are entered in the system.  There are 2 CoCs one tied to the 06/19 LE which does not apply to this exception as there was no reduction to the Lender Credit at this point, the other CoC is tied to the 07/01 LE which also does not apply as there was no change to the Lender Credits on this LE as well.  The exception remains valid.    08/14/2026: CoC provided trailing       350000.00 XX Primary Refinance Debt_Consolidation   213367
SAIF202622733     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/25/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination fee increased from $1050 to $1450. Valid CoC or cure of $400 required. 08/06/2026: CoC provided trailing       145000.00 XX Primary Refinance Debt_Consolidation   213533
SAIF202622800     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/15/2026 07/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains only 1 CD and it was issued 06/25/2026 and signed at closing on 06/29/2026 which is less than 3 business days. 07/28/2026: iCD provided in trailing       91000.00 XX Primary Refinance Debt_Consolidation   211477
SAIF202622804     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/23/2026 07/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         140000.00 XX Primary Refinance Debt_Consolidation   213301
SAIF202622804     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/24/2026 07/29/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4,522.00 exceed the threshold of $4,036.53.         140000.00 XX Primary Refinance Debt_Consolidation   213515
SAIF202622804     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/24/2026 08/24/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test.The City/County Tax/Stamps increased from $115.00 to $214.67. Valid CoC or cure of $99.67 is required.    08/06/2026: Refund pending 08/14/2026: Seller reply: Refund Pending    08/24/2026: PCCD and evidence of cure provided trailing       140000.00 XX Primary Refinance Debt_Consolidation   213514
SAIF202622780     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/30/2026 07/31/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX  Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive         53700.00 XX Primary Refinance CashOut_Other   214293
SAIF202622753     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/30/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TILA   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimate dated 06/16/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 07/01 but the next disclosure is a CD dated 07/13/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/14/2026: LE provided in trailing       149000.00 XX Primary Refinance CashOut_Other   214408
SAIF202623008     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/29/2026 07/31/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   214108
SAIF202623008     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/30/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclousre Delivery  Date Test.  The file contains an Loan Estimated dated 06/16/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/17/2026 but the next disclosure is a LE dated 07/02/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/14/2026: LE prrovided trailing       50000.00 XX Primary Refinance CashOut_Other   214292
SAIF202622755     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/03/2026 08/04/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   215043
SAIF202622755     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/03/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $841 to $937.  Valid CoC or cure of $11.90 required 08/14/2026: CoC provided       50000.00 XX Primary Refinance Debt_Consolidation   215050
SAIF202622755     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerEmploymentGapLetter 08/04/2026 08/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the employment gap letter for the period 08/14/2024 - 12/09/2024. Per guidelines, written letters of explanation for employment gaps over 30 days in the last two years must be provided. 08/14/2026: provided trailing       50000.00 XX Primary Refinance Debt_Consolidation   215189
SAIF202622755     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 08/04/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimate dated 06/16/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/17 but the next disclosure is a CD dated 07/02. There is no corresponding LE, CD and CoC reflecting the rate lock. 08/14/2026: LE provided       50000.00 XX Primary Refinance Debt_Consolidation   215190
SAIF202622772     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/17/2026 07/20/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         85700.00 XX Primary Refinance Debt_Consolidation   212101
SAIF202622772     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/19/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Origination Fee increased from $1684.00 to $1714.00. Valid COC or cure of $30.00 is required. 08/06/2026: CoC provided trailing       85700.00 XX Primary Refinance Debt_Consolidation   212280
SAIF202622776     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/23/2026 08/11/2026 Waived D B Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains 2  Loan Estimates dated 06/16/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/16 but the next disclosure is a CD dated 06/30/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock.    08/06/2026: Please see the Locked LE dated 6/16. Document uploaded on OD portal. 08/06/2026: OD Reply: The LE dated 06/16/2026provided in trailing docs showed the rate was unlocked and was a duplicate of the unlocked LE dated 06/16/2026 with time stamp 5:07 PM.     08/11/2026: Per email chain with Client, ok to downgrade to non-material and waive.  Email uploaded to trailing docs.       50000.00 XX Primary Refinance CashOut_Other   213299
SAIF202622776     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/23/2026 07/28/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         50000.00 XX Primary Refinance CashOut_Other   213293
SAIF202622904     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/31/2026 08/04/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         63120.00 XX Primary Refinance CashOut_Other   214779
SAIF202622904     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/03/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The State Tax Stamps increased from $60 to $63.20. Valid CoC or cure of $3.20 is required. 08/14/2026: CoC provided       63120.00 XX Primary Refinance CashOut_Other   214951
SAIF202622807     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/17/2026 07/20/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         71300.00 XX Primary Refinance Debt_Consolidation   212016
SAIF202622807     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/19/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file only contains 1 Loan Estimate dated 06/17/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/18 but the next disclosure is a CD dated 06/26/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/06/2026: Revised LE provided in trailing docs.       71300.00 XX Primary Refinance Debt_Consolidation   212278
SAIF202622982     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/31/2026 07/31/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $3867.12 exceed threshold of $2400 by $1467.12. Borrower paid fees included in testing: CPL $60, Flood Cert $6, Lender's Title Insurance, Origination Fee $1,600, Discount Pts $1,624, Prepaid Interest $207.12 and Settlement Fee $325.  There were no Lender paid fees included in testing.   Downgrade and waive per client instruction via email chain 01/19/2026         80000.00 XX Primary Refinance CashOut_Other   214659
SAIF202622845     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/16/2026 07/20/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         75000.00 XX Primary Refinance CashOut_Other   211872
SAIF202622814     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/22/2026 07/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         149999.00 XX Primary Refinance CashOut_Other   213032
SAIF202623064     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 07/29/2026 07/29/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  File is missing USDP reports due to appraisal type being 2055 Appraisal Report.  UTD CU Score or R&W Eligible. 2055 in file, non-material, waived per client directive.         50000.00 XX Primary Refinance CashOut_Other   214096
SAIF202623064     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 07/29/2026 08/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,240 to $1,302.50 and the Appraisal Fee increased from $165 to $980. Total violation was $877.50. The final closing CD reflects a tolerance cure of $815, however, the cure is insufficient to cure the total violation. Additional cure of $62.50 to clear total violation or CoC required. 08/14/2026: Seller provided a CoC in trailing docs tied to a CD dated 07/13.  The file does not contain a CD dated 07/13.  The file contains 2 CDs dated 07/14 and one CD dated 07/10.  Exception remains.    08/24/2026: CD and CoC provided trailing       50000.00 XX Primary Refinance CashOut_Other   214271
SAIF202622875     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/27/2026 07/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance Debt_Consolidation   213567
SAIF202622918     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/23/2026 08/13/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $998 to $1130.50 and the Loan Origination Fee increased from $1500 to $1504. Valid CoC or cure of $136.50 is required.    08/06/2026: Please see COC forms. Document uploaded on OD portal.    08/13/2026: Per Seller - The change of circumstance (COC) reason was inadvertently applied to the wrong disclosure event. The applicable change occurred with the Loan Estimate redisclosure dated 6/29, and that is the disclosure event to which the COC should have been associated.  Please see the attached corrected Change of Circumstance form. Document uploaded on OD portal. 08/06/2026: OD Reply: A CoC tied to the LE dated 06/18/2026 for a change in loan amount was provided, however, the file is missing a revised LE dated 06/18/2026 showing a change in loan amount from the initial loan amount. The file contains 2 LEs, the initial LE dated 06/18/2026 (unlocked) with a loan amount of $75K and a revised LE dated 06/29/2026 (locked).    08/13/2026: Corrected CoC provided in trailing       85000.00 XX Primary Refinance Debt_Consolidation   213379
SAIF202622918     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/27/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The only Loan Estimate in file is dated 06/18/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/24 but the next disclosure is a CD dated 07/06/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/06/2026: Revised LE provided in trailing docs       85000.00 XX Primary Refinance Debt_Consolidation   213620
SAIF202622878     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/23/2026 07/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance CashOut_Other   213258
SAIF202622874     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/20/2026 07/21/2026 Waived B B Compliance State Violation   This loan failed the Total Loan And Broker Fee due to the total loan fee and broker fee exceeding 5% of the loan amount. ***Per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the $1700 of the origination fee paid by the lender, would result in no violation.  Waived.***         85600.00 XX Primary Refinance Debt_Consolidation   212521
SAIF202622874     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/21/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The City/County Tax/Stamps Fee increased from $53 to $71.33. Valid CoC or cure of $18.33 required. 08/06/2026: CoC provided in trailing docs.       85600.00 XX Primary Refinance Debt_Consolidation   212658
SAIF202622874     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/20/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclousre Delivery  Date Test.  The file only contains 1 Loan Estimate dated 06/19/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/22 but the next disclosure is a CD dated 06/26/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/06/2026: Revised LE provided in trailing docs.       85600.00 XX Primary Refinance Debt_Consolidation   212518
SAIF202622877     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/23/2026 07/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance CashOut_Other   213259
SAIF202622877     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/23/2026 07/28/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4680 exceed the threshold of $4139.         100000.00 XX Primary Refinance CashOut_Other   213348
SAIF202622877     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/23/2026 07/28/2026 Waived B B Compliance State Late Charge   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $5461.28 exceed threshold of $3000 by $2461.28. Borrower paid fees included in testing: CPL $60, Flood Cert $6, Origination Fee $2,000, Discount Pts $2,680, Prepaid Interest $345.28 and Settlement Fee $325.   Lender paid fees included in testing: There were no Lender paid fees included in testing.   Downgrade and waive per client instruction via email chain 01/19/2026         100000.00 XX Primary Refinance CashOut_Other   213350
SAIF202622920     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/27/2026 07/28/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance CashOut_Other   213611
SAIF202622920     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/28/2026 07/28/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         100000.00 XX Primary Refinance CashOut_Other   213781
SAIF202622905     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLInsuredAmount 08/04/2026 08/24/2026 Waived D B Credit Documentation   Missing a title commitment with the final loan amount of $100,000. The title commitment provided is for a loan amount of $50,000.    08/17/2026: Disagree. Policy amount is less than encompass loan amount. Hence, as per the existing process for affiliated title companies it is not required to add condition.    08/24/2026: As part of our current process, our preferred title companies are required to provide us with the final title policy reflecting the final loan amount. If the document in the file differs prior to closing, we allow the loans to close knowing that we will get the final product with the correct loan amount post funding. This loan has not yet received final title. Would we be able to add these findings to our current title process that we do today for other post closing documents? 08/17/2026: OD Response: We are confused at what the response is stating.  Kindly clarify, is XXXX response stating that the final title policy is not required to be at least the same as the loan amount, that being less than the loan amount is allowable?  This file contains only a commitment indicating the loan amount is 50% less than the actual loan amount.  Title policy needs to reflect the proper loan amount.    08/24/2026: Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.       100000.00 XX Primary Refinance Debt_Consolidation   215349
SAIF202622905     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/05/2026 08/05/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4730 exceed the threshold of $4139.         100000.00 XX Primary Refinance Debt_Consolidation   215496
SAIF202622905     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/05/2026 08/17/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test.  The Loan Discount Fee increased from $1303 to $2730 and the Loan Origination Fee increased from $1000 to $2000. Valid CoC or cure of $2427.00 is required.  It is noted that the file contained a CoC tied to an LE dated 06/30 indicating settlement charges changed and eligibility, however, the 06/30 LE in file reflects the same Loan Amount as well as Origination and Discount fee amounts that are listed on the iLE. 08/17/2026: CoC provided in trailing docs.       100000.00 XX Primary Refinance Debt_Consolidation   215495
SAIF202622846     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/16/2026 07/20/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   211864
SAIF202622846     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/18/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1590.00 to $1715.00. Valid CoC or cure of $125.00 is required. 08/06/2026: CoC located in the file.       50000.00 XX Primary Refinance Debt_Consolidation   212209
SAIF202622846     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/18/2026 07/20/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         50000.00 XX Primary Refinance Debt_Consolidation   212210
SAIF202622978     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/29/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimate dated 06/22/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/23 but the next disclosure is a CD dated 07/13/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/14/2026: LE provided trailing       50000.00 XX Primary Refinance CashOut_Other   214110
SAIF202622881     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/31/2026 08/03/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   214625
SAIF202622881     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 08/03/2026 08/03/2026 Waived B B Compliance State Violation   This loan failed the Origination Fee Test for Missouri. Per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Origination fee paid by the lender, would result in no violation.  Waived.         50000.00 XX Primary Refinance CashOut_Other   214996
SAIF202622881     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/31/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimate dated 06/22/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/22 but the next disclosure is a CD dated 06/30/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/14/2026: LE provided exception cleared       50000.00 XX Primary Refinance CashOut_Other   214761
SAIF202622850     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/27/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclousre Delivery  Date Test.  The file contains only 1 Loan Estimate dated 06/22/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/22/2026 but the next disclosure is a LE dated 06/29/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/06/2026: Revised LE provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   213686
SAIF202622876     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/22/2026 07/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         75000.00 XX Primary Refinance CashOut_Other   212888
SAIF202622931     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/27/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Origination Fee increased from $2153.00 to $2177.00. Valid CoC or cure of $24.00. 08/06/2026: Located CoC in the file.       108850.00 XX Primary Refinance Debt_Consolidation   213633
SAIF202622903     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 07/31/2026 08/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a letter of explanation for the credit inquiry with XXXX on 06/21/2026. 08/14/2026: LOX provided in trailing docs       65000.00 XX Primary Refinance Debt_Consolidation   214648
SAIF202622902     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/28/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimate dated 06/24/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/24 but the next disclosure is a CD dated 06/30/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/06/2026: Revised LE provided in trailing docs.       60000.00 XX Primary Refinance Debt_Consolidation   213890
SAIF202622902     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/28/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $858.00 to $933.00. Valid CoC or cure of $75.00 required. 08/06/2026: CoCs provided in trailing docs.       60000.00 XX Primary Refinance Debt_Consolidation   213891
SAIF202623105     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 08/04/2026 08/05/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.6 and is not R&W Eligible. ***Full appraisal in file, Non-material, Waived per client directive.***         50000.00 XX Primary Refinance CashOut_Other   215324
SAIF202622957     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/24/2026 08/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the lender credits that cannot decrease test.   Lender Credit decreased from $500.00 to $0.00.  Valid Change of Circumstance or Cure of $500.00 required.    08/06/2026: Disagree. We looked in sage extract path and found all the COC documents saved under document named "Disclosure_Tracking_Reasons_-_LE_and_CD". Please review the same on OD portal 08/06/2026: OD Reply: The CoCs in the file are tied to the 06/25 and 07/02 LEs. The Lender Credit was on both of the LEs and the 07/07 CD, but is missing from the final CD dated 07/09. Review was unable to locate a CoC for the decrease in Lender Credits.    08/14/2026: Seller provided a CoC tied to a CD dated 07/08/2026.  No such CD exists in the loan file; the file contains only 2 CDs with dates of 07/07 and 07/09.  Finding remains.    08/24/2026: CD and CoC provided trailing       50000.00 XX Primary Refinance Debt_Consolidation   213434
SAIF202622957     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/24/2026 07/28/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         50000.00 XX Primary Refinance Debt_Consolidation   213435
SAIF202623009     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 07/30/2026 08/03/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         132000.00 XX Primary Refinance CashOut_Other   214487
SAIF202623009     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseQMRegulationFailures 07/31/2026 08/03/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $6,144.60 exceed the threshold of $4,139.00.         132000.00 XX Primary Refinance CashOut_Other   214668
SAIF202623009     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseStateRegsResult 07/31/2026 08/03/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $6,791.92 exceed threshold of $3960.00 by $2831.92.  Borrower paid fees included in testing: CPL $60, Flood Cert $6, Origination Fee $2640, Discount Pts $3504.60, Prepaid Interest $256.32 and Settlement Fee $325.   There were no Lender paid fees included in testing. ***Downgrade and waive per client instruction via email chain 01/19/2026.***         132000.00 XX Primary Refinance CashOut_Other   214669
SAIF202623009     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 08/03/2026 08/03/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  File is missing UCDP reports due to appraisal type being 2055 Appraisal Report.  UTD CU Score or R&W Eligible. 2055 in file, non-material, waived per client directive.         132000.00 XX Primary Refinance CashOut_Other   214946
SAIF202623009     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTILAResult 07/31/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains a Loan Estimate dated 06/24/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/24 but the next disclosure is a LE dated 07/13/2026.  TRID requires disclosure of the Rate Lock within 3 business days.  The loan file contains a CoC dated 06/29/2026 for the rate but the related LE is missing.  Please supply the LE reflecting the initial rate lock. 08/14/2026: LE provided trailing       132000.00 XX Primary Refinance CashOut_Other   214667
SAIF202623042     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 07/28/2026 07/29/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   213956
SAIF202623042     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 07/29/2026 07/31/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  File is missing USDP reports due to appraisal type being 2055 Appraisal Report.  UTD CU Score or R&W Eligible. 2055 in file, non-material, waived per client directive.         50000.00 XX Primary Refinance Debt_Consolidation   214037
SAIF202623042     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 07/29/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $165 to $615. A Valid CoC or cure of $450 is required. 08/14/2026: CoC provided       50000.00 XX Primary Refinance Debt_Consolidation   214225
SAIF202622984     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/07/2026 08/07/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         101000.00 XX Primary Refinance Debt_Consolidation   216010
SAIF202623020     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/04/2026 08/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   215187
SAIF202623020     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 08/05/2026 08/17/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimate dated 06/24/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/24 but the next disclosure is a CD dated 07/16/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/17/2026: Revised CoC provided in trailing docs.    08/17/2026: *Revided LE provided - not CoC       50000.00 XX Primary Refinance CashOut_Other   215616
SAIF202623150     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 08/13/2026 08/13/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         65000.00 XX Primary Refinance CashOut_Other   217129
SAIF202622934     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/08/2026 08/10/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report with for a loan amount of $58,000 , however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document reflecting the final loan amount of $96,000, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         96000.00 XX Primary Refinance Debt_Consolidation   216209
SAIF202622934     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/10/2026 08/10/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4368 exceed the threshold of $4139         96000.00 XX Primary Refinance Debt_Consolidation   216304
SAIF202622936     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/28/2026 08/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test.  The file contains only 1 Loan Estimate dated 06/24/2026 reflecting the rate was unlocked.  Lock information in the file reflects the rate was locked on 06/24 but the next disclosure is a CD dated 07/09/2026.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/06/2026: Revised LE provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   213999
SAIF202623107     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 08/05/2026 08/06/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance CashOut_Other   215479
SAIF202623107     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 08/06/2026 08/06/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  File is missing UCDP reports due to appraisal type being 2055 Appraisal Report.  UTD CU Score or R&W Eligible. 2055 in file, non-material, waived per client directive.         50000.00 XX Primary Refinance CashOut_Other   215731
SAIF202623107     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 08/05/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1378 to $1390 and the Appraisal Fee increased from $165 to 690. Total violation is $537. The final CD reflected a $525 cure, however it is insufficient to cure the total violation. Valid CoC or additional cure of $12 required. 08/14/2026: CoC provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   215682
SAIF202622929     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/21/2026 07/27/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         136775.00 XX Primary Refinance Debt_Consolidation   212705
SAIF202622929     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/22/2026 07/27/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $6,332.68 exceed the threshold of $4,139.00.         136775.00 XX Primary Refinance Debt_Consolidation   213012
SAIF202622929     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/22/2026 07/27/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         136775.00 XX Primary Refinance Debt_Consolidation   213023
SAIF202623021     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 08/06/2026 08/10/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  File is missing UCDP reports due to appraisal type being 2055 Appraisal Report.  UTD CU Score or R&W Eligible. 2055 in file, non-material, waived per client directive.         50000.00 XX Primary Refinance Debt_Consolidation   215944
SAIF202623135     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/06/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $940 to $1127.50. A Valid CoC or cure of $187.50 is required. The file contained one CoC tied to the 07/08 LE, however, it did not address the increase in the Loan Discount Fee which occurred on the 07/10 LE. 08/14/2026: CoC provided in trailing docs.       50000.00 XX Primary Refinance Debt_Consolidation   215921
SAIF202622935     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelNonBorrowingTitleHolderName 07/22/2026 08/06/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Non-Borrowing Title Holder's Notice of Right to Cancel. 08/06/2026: Provided in trailing docs.       103000.00 XX Primary Refinance CashOut_Other   212976
SAIF202622927     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/20/2026 07/21/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         50000.00 XX Primary Refinance CashOut_Other   212455
SAIF202622937     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/11/2026 08/25/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1473 to $1484 and the Loan Origination Fee increased from $1926 to $1940. Valid CoC or cure of $25.10 required. The file contained a CoC tied to the 07/10/2026 LE, however, it does not address the violation as the increase to the referenced fees occured after the 07/10 LE. 08/25/2026: CoC provided trailing       97000.00 XX Primary Refinance Debt_Consolidation   216742
SAIF202622945     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/01/2026 08/03/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5,662.25 exceed the threshold of $4,159.91.         145000.00 XX Primary Refinance Debt_Consolidation   214844
SAIF202623007     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/29/2026 07/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX  Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         104000.00 XX Primary Refinance CashOut_Other   214023
SAIF202623029     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/12/2026 08/12/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         60000.00 XX Primary Refinance Debt_Consolidation   216855
SAIF202623029     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 08/12/2026 08/12/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee.***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         60000.00 XX Primary Refinance Debt_Consolidation   216982
SAIF202623085     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 08/04/2026 08/05/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 4.4 and is not R&W Eligible. ***Full appraisal in file, Non-material, Waived per client directive.***         350000.00 XX Primary Refinance Debt_Consolidation   215220
SAIF202623084     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/03/2026 08/05/2026 Waived B B Compliance QM   This loan failed the QM APR test. The loan has an APR of 9.724% and the QM APR Threshold is 9.660%.         233000.00 XX Primary Refinance Debt_Consolidation   215113
SAIF202623084     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 08/03/2026 08/05/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 9.724%. The APR threshold to qualify for a safe harbor is 9.660%.         233000.00 XX Primary Refinance Debt_Consolidation   215114
SAIF202623084     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 08/05/2026 08/05/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         233000.00 XX Primary Refinance Debt_Consolidation   215457
SAIF202623084     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/03/2026 08/17/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The City/County Tax/Stamps increased from $144.60 to $357.27 Valid CoC or cure of $212.67 required. 08/17/2026: CoC in file       233000.00 XX Primary Refinance Debt_Consolidation   215111
SAIF202622959     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceMasterPolicy_DocExist 07/30/2026 07/31/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         55000.00 XX Primary Refinance Debt_Consolidation   214403
SAIF202622959     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 07/30/2026 07/31/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  File is missing UCDP reports due to appraisal type being 2055 Appraisal Report.  UTD CU Score or R&W Eligible. 2055 in file, non-material, waived per client directive.         55000.00 XX Primary Refinance Debt_Consolidation   214406
SAIF202622975     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalMoHOAFees 07/29/2026 08/06/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of the monthly HOA assessment. 08/06/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   214246
SAIF202622987     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 08/14/2026 08/14/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 4.2 and is not R&W Eligible.***Full appraisal in file, Non-material, Waived per client directive.***         92750.00 XX Primary Refinance Debt_Consolidation   217252
SAIF202622985     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/08/2026 08/25/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $1647 to $1683 . Valid CoC or cure of $36.60 required. 08/25/2026: CoC provided trailing       92000.00 XX Primary Refinance CashOut_Other   216222
SAIF202623104     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 08/03/2026 08/17/2026 Cleared -Trailing Doc D A Credit Documentation   Missing letter of explanation for the credit inquiry with XXXX on 06/23/2026. 08/17/2026: LOX in fie.       123773.00 XX Primary Refinance CashOut_Other   215023
SAIF202622983     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 08/04/2026 08/04/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has no CU Score and is not R&W Eligible. ***Full appraisal in file, Non-material, Waived per client directive.***         65000.00 XX Primary Refinance CashOut_Other   215196
SAIF202622976     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/27/2026 07/30/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         60900.00 XX Primary Refinance CashOut_Other   213640
SAIF202622976     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/30/2026 07/30/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         60900.00 XX Primary Refinance CashOut_Other   214301
SAIF202623046     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/04/2026 08/17/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test.  The Loan Origination Fee increased from $1560 to $2000. Valid CoC or cure of $440 is required. 08/17/2026: CoC provided in trailing docs.       100000.00 XX Primary Refinance CashOut_Other   215194
SAIF202623028     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/07/2026 08/10/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         75000.00 XX Primary Refinance CashOut_Other   216158
SAIF202623028     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 08/10/2026 08/25/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the USA Patriot Act Information Form for the Borrower.  The copies in file are signed but no information is entered on them. 08/25/2026: Provided trailing       75000.00 XX Primary Refinance CashOut_Other   216337
SAIF202623028     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 08/10/2026 08/25/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the USA Patriot Act Information Form for the Co-Borrower.  The copies in file are signed but no information is entered on them. 08/25/2026: Provided trailing       75000.00 XX Primary Refinance CashOut_Other   216338
SAIF202623028     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportFlowOtherPropBefClos 08/10/2026 08/25/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the mortgage statement and/or evidence of property taxes, hazard insurance and homeowner's association dues if applicable for the Borrower's investment property at XXXX 08/25/2026: Provided trailing       75000.00 XX Primary Refinance CashOut_Other   216345
SAIF202623028     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 08/10/2026 08/10/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         75000.00 XX Primary Refinance CashOut_Other   216327
SAIF202623106     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/04/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $834 to $1306.20.  Valid CoC or cure of $388.80 required 08/14/2026: CoC provided in trailing docs.       135000.00 XX Primary Refinance Debt_Consolidation   215292
SAIF202623106     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/04/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $505 to $1221.75, the Loan Origination Fee increased from $2000 to $2700 and the State Tax Stamps increased from $88 to $472.50. Valid CoC or cure of $1801.25 is required. 08/14/2026: CoC provided in trailing docs       135000.00 XX Primary Refinance Debt_Consolidation   215293
SAIF202623106     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 08/04/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains 3 Loan Estimates dated 07/06/2026, 07/08/2026 and 07/16/2026. The 07/06 and 07/08 LEs reflect the rate was not locked. The 07/16 LE reflects the rate was locked. Lock information in the file reflects the rate was locked on 07/08 but the next disclosure is the LE dated 07/16.  There is no corresponding LE, CD and CoC reflecting the rate lock. 08/14/2026: Revised LE provided in trailing docs.       135000.00 XX Primary Refinance Debt_Consolidation   215316
SAIF202623106     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 08/04/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the revised loan estimate delivery date test (prior to consummation) due to the revised loan estimate delivery date is on or after the initial closing disclosure delivery date.    08/14/2026: Please see letter of explanation. Document uploaded on OD portal. 08/14/2026: OD Reply: Per seller documentation stating the CD 07/17 was not disclosed, compliance retested, no exception       135000.00 XX Primary Refinance Debt_Consolidation   215319
SAIF202623045     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceFEDTI_Difference 08/04/2026 08/17/2026 Cleared -Trailing Doc D A Credit Documentation   Lender DTI of 34.837% is less than Review DTI of 36.076% due to Lender using the Flood Insurance Annual Premium of $880 from the policy in file with effective dates of 05/01/2020 - 05/01/2021. Lender used the Flood Insurance policy dated 05/01/2026 - 05/01/2027 with an annual premium of $1874. Please provide updated 1008. 08/17/2026: Provided in trailing docs.       50000.00 XX Primary Refinance CashOut_Other   215150
SAIF202623010     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/03/2026 08/17/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $315 to $441 and the Loan Origination fee increased from $1000 to $1400. Valid CoC or cure of $526 is required. 08/17/2026: CoC in file       70000.00 XX Primary Refinance Debt_Consolidation   215088
SAIF202623019     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 08/03/2026 08/03/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.9 and is not R&W Eligible. ***Full appraisal in file, Non-material, Waived per client directive.***         100000.00 XX Primary Refinance CashOut_Other   215056
SAIF202623026     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/06/2026 08/06/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         60000.00 XX Primary Refinance CashOut_Other   215787
SAIF202623026     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 08/06/2026 08/24/2026 Cured D B Credit Documentation   Missing the 4506-C for the Borrower.    08/14/2026: 4506-C for borrower was missing in closing package hence not received in executed package. we have requested  the document 08/24/2026: provided trailing       60000.00 XX Primary Refinance CashOut_Other   215807
SAIF202623026     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 08/06/2026 08/24/2026 Cured D B Credit Documentation   Missing the 4506-C for the Co-Borrower.    08/14/2026: 4506-C for co-borrower was missing in closing package hence not received in executed package. we have requested the document. 08/24/2026: provided trailing, post close       60000.00 XX Primary Refinance CashOut_Other   215910
SAIF202623026     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 08/06/2026 08/06/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         60000.00 XX Primary Refinance CashOut_Other   215923
SAIF202623148     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 08/07/2026 08/07/2026 Waived B B Compliance State Late Charge   This loan failed the IN Nonrefundable prepaid finance charge test. T Total fees of $4009.66 exceed threshold of $2250 by $1759.66.  Borrower paid fees included in testing:  CPL-$60, Flood Cert $6, Orig fee-$200, Discount Point fee-$2066.25, Prepaid Int-$52.41 and Settlement-$325. Lender paid fees included in testing: Orig fee-$1300.   Downgrade and waive per client instruction via email chain 01/19/2026.         75000.00 XX Primary Refinance Debt_Consolidation   216075
SAIF202623044     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/30/2026 08/03/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report with a loan amount of $50,000, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document for the final loan amount of $69,800, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         69800.00 XX Primary Refinance Debt_Consolidation   214412
SAIF202623044     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 07/31/2026 08/03/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $3426.47 exceed threshold of $2100 by $2094. Borrower paid fees included in testing: CPL $60, Flood Cert $6, Origination Fee $1,396, Discount Pts $1,486.74, Prepaid Interest $152.73 and Settlement Fee $325.  There were no Lender paid fees included in testing. ***Downgrade and waive per client instruction via email chain 01/19/2026.***         69800.00 XX Primary Refinance Debt_Consolidation   214671
SAIF202623044     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/31/2026 08/19/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1065 to $1,486.76 and Loan Origination increased from $1000 to $1396. Valid CoC or cure of $817.74 is required. 08/14/2026: CoC was entered, however, due to the 07/14 LE timing issue that was not addressed by seller with the trailing responses, any CoC tied to the untimely disclosed LE is not considered valid and the cure is required.    08/14/2026: Seller indicates CoC was uploaded.   Review already included that CoC in testing but it is considered invalid as it is tied to the LE dated 07/14 which has a disclosure timing issue.  Due to the improperly timed disclosure, any CoC tied is not considered valid.  Exception remains.    08/19/2026: per meeting with XXXX, only 2 LEs and 2 CDs disclosed to borrower.  CD dated 07/14 was internal.  Compliance retested, exception cleared.       69800.00 XX Primary Refinance Debt_Consolidation   214679
SAIF202623044     D - Missing Documents B - Non-Material B - Compensating Factors B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/31/2026 08/19/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the Revised Loan Estimate Delivery Date Test (prior to consummation) test.  The file contains 2 LEs, the initial dated 07/02/2026 and the revised dated 07/14/2026 with documentation in file confirming this LE was received on 07/14.  The loan closed on 07/18/2026, which is less than 4 business days.    08/14/2026: Based on the information provided, it appears that the four-day requirement was met in this instance. For purposes of counting business days, XXXX considers Saturday a business day because our offices are open to the public.  Please refer to 12 CFR §1026.2(a)(6) for the applicable definition of "business day."  If there is additional documentation or information that we may not have considered as part of our review, please let us know and we would be happy to review it further. 08/14/2026: We are including Saturday as a business day in testing.  Per compliance test results, (12 CFR section 1026.19(e)(4)(ii)): "...The revised LE receipt date is provided and the revised LE receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) BEFORE the consummation or closing date".   For the subject transaction, the fourth business day is the closing date.  Therefore the finding remains valid.    08/19/2026: per meeting with XXXX, only 2 LEs and 2 CDs disclosed to borrower.  CD dated 07/14 was internal.  Compliance retested, exception cleared.       69800.00 XX Primary Refinance Debt_Consolidation   214686
SAIF202623202     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/05/2026 08/07/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         149000.00 XX Primary Refinance CashOut_Other   215651
SAIF202623086     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/05/2026 08/06/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $6757.45 exceed the threshold of $4281.59         149999.00 XX Primary Refinance Debt_Consolidation   215699
SAIF202623086     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/05/2026 08/24/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $3382 to $3757.47 and The Loan Origination Fee increased from $2700 to $2999.98. A Valid CoC or cure of $675.45 is required.    08/14/2026: Disagree. We looked in sage extract path and found the COC documents saved under document named "Disclosure_Tracking_Reasons_-_LE_and_CD". Please review the same 08/14/2026: OD Reply: The referenced file was reviewed AND the CoCs were added to the respective LEs dated 07/07 and 07/17 when the fees increased to $3495 and $3100.  The exception is citing that the fee again was increased on the CD dated 07/21 but there is no valid CoC in file.  Please review what was uploaded previously, only 2 CoCs were provided.  Finding is valid as no CoCs are tied to the increased fee on the CD dated 07/21.  $675.45 cure required.      08/24/2026: CoCs provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   215700
SAIF202623086     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/05/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   Revised Loan Estimate Delivery Date Test (prior to consummation): The revised loan estimate delivery date is on or after the initial closing disclosure delivery date.  The last disclosed LE was issued 07/17/2026 and the initial CD was also disclosed to the borrower on 07/17/2026.      08/14/2026: The Closing Disclosure that appears under CD_to_Title is an internal document provided to the title company for balancing and settlement purposes only. It is not delivered to the borrower.  We are currently working with our document extraction team to ensure that this internal document is excluded from document deliveries, as we understand how its presence could create confusion.  Attached is a Letter of Explanation, along with screenshots from both our Encompass Loan Origination System (LOS) and Blend portal, which confirm that the 07/17/2026 Closing Disclosure was not delivered to the borrower. Document uploaded on OD portal. 08/14/2026: OD Reply: Per seller documentation stating the CD 07/17 was not disclosed, compliance retested, no exception       149999.00 XX Primary Refinance Debt_Consolidation   215701
SAIF202623122     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/01/2026 08/25/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $943 to $1235.  Valid CoC or cure of 197.70 required.    08/17/2026: Disagree. We looked in sage extract path and found the COC documents saved under document named "Disclosure_Tracking_Reasons_-_LE_and_CD". Please review the same 08/17/2026: OD Reply: The CoC in the file is tied to the 07/14 LE; however it not does address the failure cited. The increases triggering the failure occurred on the 07/15 CD for which a CoC was not located.    08/25/2026: Seller provided PCCD and evidence settlement company issued cure for recording fees, in trailing docs.       60000.00 XX Primary Refinance CashOut_Other   214851
SAIF202623232     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/11/2026 08/11/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $5871.51 exceed the threshold of $5296.99.         182913.00 XX Primary Refinance CashOut_Other   216618
SAIF202623215     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/05/2026 08/06/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         66000.00 XX Primary Refinance Debt_Consolidation   215423
SAIF202623215     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 08/06/2026 08/06/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee.        Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.         66000.00 XX Primary Refinance Debt_Consolidation   215704
SAIF202623111     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/11/2026 08/11/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX  Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         107900.00 XX Primary Refinance CashOut_Other   216456
SAIF202623111     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/11/2026 08/11/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4186.52 exceed the threshold of $4139.         107900.00 XX Primary Refinance CashOut_Other   216461
SAIF202623111     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 08/11/2026 08/11/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $6.00, fees included in test are:  Flood Determination fee. ***Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.***         107900.00 XX Primary Refinance CashOut_Other   216462
SAIF202623110     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/07/2026 08/10/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         51944.00 XX Primary Refinance Debt_Consolidation   216096
SAIF202623110     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 08/09/2026 08/10/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $1738.27 exceed threshold of $1588.32 by $179.95. Borrower paid fees included in testing: CPL $60, Flood Cert $6, Origination Fee $738.88, Discount Pts $275.30, Prepaid Interest $33.09 and Settlement Fee $325. Lender paid fees included in testing: Origination Fee $300. The Fees are 3% or LESS, without the Lender Paid Fee. ***Downgrade and waive per client instruction 01/19/2026***         51944.00 XX Primary Refinance Debt_Consolidation   216236
SAIF202623171     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 08/08/2026 08/25/2026 Cured D B Credit Documentation   Verbal VOE dated 07/24/206 for Co-Borrower shows borrower is currently "On Leave". There is no documentation or explanation in file. 08/25/2026: Seller provided LOX stating:  08/19/2026 Review Findings: Upon review, it was determined that the "On Leave" employment status was selected in error while the agent was completing the VOE form during the verification call with the employer.  A review of the call recording confirmed that the agent spoke directly with XXXX, President, who verified that the co-borrower, XXXX, is actively employed with the company.  The employer did not indicate that the co-borrower was on lave.  The discrepancy was the result of a data entry error and did not accurately reflect the information provided by the employer during the verification.  The file updated and corrected today to reflect the co-borrower's verified employment status as Active.       50000.00 XX Primary Refinance Debt_Consolidation   216227
SAIF202623127     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/29/2026 07/31/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         100000.00 XX Primary Refinance Debt_Consolidation   214270
SAIF202623172     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 08/13/2026 08/25/2026 Cured D B Credit Documentation   Missing VOE dated within 10 days of closing. 08/25/2026: Post close VVOE Provided trailing       80000.00 XX Primary Refinance CashOut_Other   217176
SAIF202623123     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/04/2026 08/04/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4857.73 exceed the threshold of $4139         103585.00 XX Primary Refinance Debt_Consolidation   215282
SAIF202623133     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeMonthsOfPandLStatements 08/14/2026 08/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the YTD Profit and Loss Statement for the borrower's company XXXX as required for S-Corporations. The P&L in the file is for the borrower's other company XXXX.    08/26/2026: Disagree with the findings. Loan is getting qualified with the income from the business XXXX and the loss from the business XXXX is added to ratios from the business returns. XXXX guidelines don’t specify that P& L statements are required from the business where the income is not used for qualification 08/26/2026: Guidelines state UWer may request P&L and other information to further support stability of income.  Since additional business loss is being considered, Review accepts seller's response.       58000.00 XX Primary Refinance Debt_Consolidation   217290
SAIF202623147     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseQMRegulationFailures 08/04/2026 08/05/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $12682.80 exceed the threshold of $7729.53.         271000.00 XX Primary Refinance Debt_Consolidation   215370
SAIF202623147     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 08/05/2026 08/05/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 4.6 and is not R&W Eligible.***"Full appraisal in file, Non-material, Waived per client directive.***         271000.00 XX Primary Refinance Debt_Consolidation   215464
SAIF202623147     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var BorrowerCreditReportLastInquiryDate 08/05/2026 08/14/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a letter of explanation for the credit inquiry with XXXX on 06/26/2026. 08/14/2026: Inquiry LOX provided in trailing docs.    08/14/2026: Inquiry LOX provided in trailing docs.       271000.00 XX Primary Refinance Debt_Consolidation   215467
SAIF202623147     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 08/04/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $6700 to $7262.80 and the Loan Origination Fee increased from $5000 to $5420. Valid CoC or cure of $982.80 is required. 08/14/2026: CoC provided in trailing docs.       271000.00 XX Primary Refinance Debt_Consolidation   215369
SAIF202623187     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/06/2026 08/07/2026 Waived B B Compliance QM   This loan failed Qualified Mortgage Lending Policy Points and Fees Test.  Total points and fees of $4357.47 exceed the threshold of $4355.47.         149999.00 XX Primary Refinance Debt_Consolidation   215705
SAIF202623250     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/10/2026 08/25/2026 Rescinded D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $878 to $1440. A Valid CoC or cure of $562 is required. 08/25/2026: Review rescinds, Loan Origination fee was inadvertently entered as Loan Discount fee.  Compliance retested with correct fee name, no exception.  Rescind.       50000.00 XX Primary Refinance Debt_Consolidation   216374
SAIF202623130     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 08/09/2026 08/10/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $3572.40 exceed threshold of $2460 by $1067.40. Borrower paid fees included in testing: CPL $60, Flood Cert $6, Origination Fee $540, Discount Pts $1439.10, Prepaid Interest $57.30 and Settlement Fee $325.  Lender paid fees included in testing: $1100 Origination Fee. Fees are less than 3% of the loan amount. ***Downgrade and waive per client instruction 01/19/2026***         82000.00 XX Primary Refinance Debt_Consolidation   216235
SAIF202623131     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/08/2026 08/10/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX  Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.  Per client, seller to provide MHELP w/in 90 days of closing. Downgrade to non-material and waive.         50000.00 XX Primary Refinance Debt_Consolidation   216215
SAIF202623137     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/12/2026 08/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         133000.00 XX Primary Refinance CashOut_Other   217066
SAIF202623149     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/12/2026 08/13/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing. Per client, seller to provide MHELP w/in 90 days of closing.         50000.00 XX Primary Refinance Debt_Consolidation   217074
SAIF202623169     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 08/07/2026 08/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in the file was issued 07/22/2026 and the closing date was 7/24/2026 which is less than 3 days. Per the e-doc tracking a CD was provided to the borrower on 07/20/2026, but was but was not provided in the file. 08/14/2026: Provided in trailing docs.       55561.00 XX Primary Refinance CashOut_Other   216022
SAIF202623203     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/07/2026 08/25/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1273 to $5062.70. A Valid CoC or cure of $3789.07 is required. 08/25/2026: CoCs provided trailing docs       336350.00 XX Primary Refinance CashOut_Other   216095
SAIF202620058     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseWrittenListofServiceProvidersDisclosureDate 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Compliance TRID   File missing service providers list provided to borrower within 3 business days of the loan application.   11/04/2025: Provided in trailing docs     26500.00 XX Primary Refinance CashOut_Other   20966
SAIF202620058     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1WrongLegalDescription 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Credit Documentation   "EXHIBIT A" Legal Description is missing from the mortgage   11/04/2025: Provided in trailing docs     26500.00 XX Primary Refinance CashOut_Other   20970
SAIF202620058     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Credit Documentation   File Missing Mortgage loan statement for the first lien.   11/04/2025: Provided in trailing docs     26500.00 XX Primary Refinance CashOut_Other   20973
SAIF202620058     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Credit Documentation   File missing 4506-T or 4506-C Indicator for B2   11/04/2025: Provided in trailing docs     26500.00 XX Primary Refinance CashOut_Other   20977
SAIF202620058     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Credit Documentation   File missing signed LOE for last inquiry date.   11/04/2025: provided in trailing docs     26500.00 XX Primary Refinance CashOut_Other   20979
SAIF202620058     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Compliance Documentation   File missing Right to Cancel Signed by B2 XXXX at closing.   11/04/2025: provided in trailing docs     26500.00 XX Primary Refinance CashOut_Other   20980
SAIF202620058     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 10/28/2025 11/10/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Points - Loan Discount Fee increased from $170 to $180.20 and the Credit Report Fee increased from $131.30 to $156.50. A partial reimbursement of $35.20 was given on the final CD but not enough to cure.  A Valid COC or additional cure of $.20 required.  [Please see comment detail for the 10% tolerance exception as well].     11/10/2025: A Lender cure was added to the final CD for $10, this represents the amount over the 10% threshold.    Total cure on final CD $35.20. ($25.20 0% cure, $10 10% cure)   11/10/2025: CoC provided in trailing docs     26500.00 XX Primary Refinance CashOut_Other   20981
SAIF202620058     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 10/28/2025 11/10/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $550  to $615.  Valid COC or cure of $10 is required.  OD notes the final CD issued a tolerance cure of $35.20 which we notated in the 0 tolerance category exception cited.  Total cure required for both 0 and 10% tolerance failures is $10.20.   11/10/2025: CoC provided in trailing docs     26500.00 XX Primary Refinance CashOut_Other   20982
SAIF202620051     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 11/04/2025 11/12/2025 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing.     11/10/2025: see provided VOE   11/12/2025: Provided in trailing docs     88800.00 XX Primary Refinance CashOut_Other   21265
SAIF202620051     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseWrittenListofServiceProvidersDisclosureDate 11/04/2025 11/12/2025 Cleared -Trailing Doc D A Compliance Documentation   Written List of Service Providers disclosed within 3 days of loan application, is missing from the file.    11/10/2025: see provided SSPL   11/12/2025: Provided in trailing docs     88800.00 XX Primary Refinance CashOut_Other   21275
SAIF202620056     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance HOA_MonthlyDue 11/04/2025 11/12/2025 Cleared -Trailing Doc D A Credit Documentation   Missing documentation of HOA dues of $328/month as shown on final 1003. Valuation in file doesn't confirm HOA amount.   11/12/2025: Provided in trailing docs     70000.00 XX Primary Refinance Debt_Consolidation   21239
SAIF202620222     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/14/2026 01/15/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.982% APR exceeds the 9.720% threshold to qualify for a safe harbor.         43500.00 XX Primary Refinance Debt_Consolidation   23774
SAIF202620222     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 01/21/2026 01/21/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         43500.00 XX Primary Refinance Debt_Consolidation   188986
SAIF202620222     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance IntentToProceed_DocExist 01/21/2026 01/26/2026 Cleared -Trailing Doc D A Compliance Documentation   Intent to Proceed documentation is missing from the file    01/26/2026:   01/26/2026: Provided in trailing docs     43500.00 XX Primary Refinance Debt_Consolidation   188982
SAIF202620222     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomesteadPropertyIndicator 01/14/2026 01/21/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Acknowledgment of Fair Market Value.    01/20/2026:   01/21/2026: Provided in trailing docs     43500.00 XX Primary Refinance Debt_Consolidation   23771
SAIF202620222     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AffiliatedBusiness_DocExist 01/21/2026 02/03/2026 Cleared -Trailing Doc D A Compliance Documentation   File is missing Affiliated Business Disclosure.  Per the Privacy Notice, the lender has affiliates.    01/26/2026: XXXX does not have a contract with the state of Texas for the Affiliated Business Disclosure, please clear the condition. thank you    01/30/2026: Please review as we do not have a contract with this state.   02/03/2026: Exception cleared based on seller response.     43500.00 XX Primary Refinance Debt_Consolidation   188985
SAIF202620222     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 01/21/2026 01/29/2026 Rescinded D A Compliance Documentation   Servicing Disclosure is missing from the loan file.   01/29/2026: iLE reflects Lender will service the loan. Review rescinds.     43500.00 XX Primary Refinance Debt_Consolidation   188983
SAIF202620308     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TapeSeniorLoanAmount 02/03/2026 02/06/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing current mortgage statement for Senior lien.    02/06/2026:   02/06/2026: Provided in trailing docs     89850.00 XX Primary Refinance CashOut_Other   189852
SAIF202620308     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsEndorsmentPresent 02/05/2026 03/20/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of ALTA endorsement 7, 7.1 or 7.2 or any other endorsement required in the applicable jurisdiction for manufactured homes to be treated as real property or a MHELP certificate or policy as required by guidelines.    03/19/2026: I have been trying to get the actual title from settlement agent but no luck so hoping the Alta showing the man endorsement included will clear the condition.   03/20/2026: Provided in trailing docs     89850.00 XX Primary Refinance CashOut_Other   189867
SAIF202620308     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Service_Provider_List_DocExist 02/05/2026 02/05/2026 Cleared -Trailing Doc D A Compliance Documentation   File is missing Settlement Service Providers List disclosure.   02/05/2026: Provided in trailing docs     89850.00 XX Primary Refinance CashOut_Other   189872
SAIF202622372     B - Non-Material B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 06/18/2026 06/18/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.258 % APR exceeds the 9.820 % threshold to qualify for a safe harbor.         125000.00 XX Primary Refinance Debt_Consolidation   207033
SAIF202622372     B - Non-Material B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 06/18/2026 06/18/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         125000.00 XX Primary Refinance Debt_Consolidation   207034
SAIF202622372     B - Non-Material B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSrLienOrigDate 06/18/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Note for the 1st lien to verify senior lien terms.    06/25/2026: 06/26/2026: Senior lien Security Instrument provided in trailing docs       125000.00 XX Primary Refinance Debt_Consolidation   206853
SAIF202622372     B - Non-Material B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1LegalDescription 06/18/2026 06/22/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Exhibit A (Legal Description) from the Deed of Trust.    06/22/2026: 06/22/2026: provided trailing       125000.00 XX Primary Refinance Debt_Consolidation   207025
SAIF202622371     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 07/10/2026 07/16/2026 Waived B B Compliance TRID   This loan failed the higher-priced mortgage loan test.         146163.00 XX Primary Refinance Debt_Consolidation   210780
SAIF202622371     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/16/2026 07/16/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 9.920% and the QM APR Threshold is 9.480%.         146163.00 XX Primary Refinance Debt_Consolidation   211735
SAIF202622371     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1IsPUDRider 07/22/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   Security Instrument is a Texas Home Equity Security Instrument (Second Lien) indicating the required Rider is the Texas Home Equity Planned Unit Development Rider, however the only rider in the file is the PUD Rider for the first lien note.    07/22/2026: 07/27/2026: provided trailing       146163.00 XX Primary Refinance Debt_Consolidation   212845
SAIF202622371     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Service_Provider_List_DocExist 07/10/2026 07/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing Settlement Service Providers Llist    07/22/2026: 07/27/2026: provided trailing       146163.00 XX Primary Refinance Debt_Consolidation   210770
SAIF202622371     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Service_Provider_List_DocExist 07/10/2026 07/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing TX Notice of Extension of Credit - 12-day Notice    07/22/2026: 07/27/2026: Provided trailing       146163.00 XX Primary Refinance Debt_Consolidation   210773
SAIF202622371     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Service_Provider_List_DocExist 07/10/2026 07/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the TX Acknowledgment of Fair Market Value    07/22/2026: 07/27/2026: provided trailing       146163.00 XX Primary Refinance Debt_Consolidation   210776
SAIF202622590     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance E-Consent_DocExist 07/17/2026 08/03/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.    08/03/2026: 08/03/2026: provided trailing       43000.00 XX Primary Refinance CashOut_Other   212030
SAIF202622590     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalCost 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the invoice for the 1004 Appraisal report.    08/03/2026: 08/03/2026: provided    08/03/2026: No 1004 obtained, Desk Review provided and confirmation of $9.00 charge as reflected on the fCD, in trailing docs.       43000.00 XX Primary Refinance CashOut_Other   213073
SAIF202622590     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalNotes 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing a complete property valuation report. The file only contained page 1 of a 1004 appraisal report, and it's not clear if this appraisal is tied to the subject loan as it has a contract price listed and the subject loan is a closed end second mortgage.    08/03/2026: 08/03/2026: Seller provided Desk Review appraisal in trailing docs, fCD confirms $9.00 was charged for the appraisal fee therefore a full appraisal was not utilized/obtained even though page 1 from an appraisal was in file (date not available as only page 1 in file).       43000.00 XX Primary Refinance CashOut_Other   213084
SAIF202620034     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseQMRegulationFailures 10/21/2025 11/04/2025 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 12.199%. The APR threshold to qualify for a safe harbor is 10.250%   11/04/2025: Non-material     135000.00 XX Primary Refinance Debt_Consolidation   20650
SAIF202620034     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 10/21/2025 11/04/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 12.199%. The APR threshold to qualify for a safe harbor is 10.250%.   11/04/2025: non-material     135000.00 XX Primary Refinance Debt_Consolidation   20651
SAIF202620034     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 10/21/2025 10/21/2025 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 3.9 and is not R&W Eligible. Non-material per client directive.         135000.00 XX Primary Refinance Debt_Consolidation   20652
SAIF202620034     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var InsuranceHazardAnnualPremium 10/20/2025 10/30/2025 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of Hazard Insurance. Audit unable to validate monthly premium and sufficient coverage.   10/30/2025: Provided in trailing docs     135000.00 XX Primary Refinance Debt_Consolidation   20644
SAIF202620034     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var TPOLSeniorLoanAmount 10/20/2025 10/30/2025 Cleared -Trailing Doc D A Credit Documentation   Missing a Mortgage Statement for the 1st lien to confirm UPB and confirm next payment due date.   10/30/2025: Mtg pay history provided in trailing docs.     135000.00 XX Primary Refinance Debt_Consolidation   20646
SAIF202620038     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMQMStatus2 10/28/2025 11/04/2025 Waived B B Compliance TRID   This loan failed the higher-priced mortgage loan test.   11/04/2025: Flag, non-material, waived     65000.00 XX Primary Refinance Debt_Consolidation   20974
SAIF202620038     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 10/28/2025 11/04/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 11.496%  APR exceeds the 10.13% threshold to qualify for a safe harbor.   11/04/2025: non-material, waive     65000.00 XX Primary Refinance Debt_Consolidation   20976
SAIF202620038     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. The file contains 1 CD dated 10/13/2025 and the loan closed 10/15/2025.   11/04/2025: seller provided iCD in trailing docs, exception cleared     65000.00 XX Primary Refinance Debt_Consolidation   20975
SAIF202620038     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1WrongLegalDescription 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Credit Documentation   Security instrument is missing legal description. Deed of Trust references "Exhibit A" legal description, but this document is missing from file.   11/04/2025: provided in trailing docs     65000.00 XX Primary Refinance Debt_Consolidation   20950
SAIF202620038     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Credit Mortgage History   File is missing evidence of a credit refresh or current mortgage payment statement for the 1st lien to validate current balance and current pay history. Credit Report in file reports only up to 08/2025.   11/04/2025: provided in trailing docs     65000.00 XX Primary Refinance Debt_Consolidation   20960
SAIF202620038     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Credit Income   File is missing paystubs. Only W2s and WVOE were provided. Per guidelines, "written verification of employment as a standalone document is not acceptable".   11/04/2025: Provided in trailing docs     65000.00 XX Primary Refinance Debt_Consolidation   20965
SAIF202620064     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 11/26/2025 12/01/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 10.198%. The APR threshold to qualify for a safe harbor is 9.720%.         76500.00 XX Primary Refinance CashOut_Other   21934
SAIF202620064     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMQMStatus2 11/26/2025 01/07/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         76500.00 XX Primary Refinance CashOut_Other   21935
SAIF202620064     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 11/26/2025 01/08/2026 Cleared -Trailing Doc D A Compliance TILA   This loan failed the initial loan estimate delivery date test. Electronic delivery summary shows an LE was issued 09/26/2025, but this LE is missing from loan file.   File contains only 1 LE which is dated 10/29/2025 and only 1 CE which is dated 11/11/2025. The loan application date was 09/2/2025. Please provide all LEs and CDs disclosed to the borrower, along with all corresponding CoCs so compliance may be retested.    01/06/2026:   01/08/2026: Initial LE provided in trailing docs.    01/08/2026:     76500.00 XX Primary Refinance CashOut_Other   21937
SAIF202620064     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 11/26/2025 01/08/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery Date Test. Electronic delivery summary shows an LE was issued 09/26/2025 after rate lock date of 09/25/2025, but this LE is missing from file.   File contains only 1 LE which is dated 10/29/2025 and only 1 CE which is dated 11/11/2025. The loan application date was 09/2/2025. Please provide all LEs and CDs disclosed to the borrower, along with all corresponding CoCs so compliance may be retested.    01/06/2026:   01/08/2026: Initial LE dated 9/26/2025 was provided in trailing docs along with subsequent LEs, CDs and CoCs.     76500.00 XX Primary Refinance CashOut_Other   21938
SAIF202620064     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 11/26/2025 01/08/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan discount points increased from $0 to $286.88, Processing fee from $0 to $400, Appraisal fee from $0 to $525, Credit report fee from $0 to $88.41, Flood Cert fee from $0 to $7, and Transfer taxes from $0 to $229.50. Valid COC or additional cure of $1,536.79 required. File contains only 1 LE which is dated 10/29/2025 and only 1 CE which is dated 11/11/2025.  The loan application date was 09/2/2025.  Please provide all LEs and CDs disclosed to the borrower, along with all corresponding CoCs so compliance may be retested.    01/06/2026:   01/08/2026: CoC provided in trailing docs.    01/08/2026: CoC provided in trailing docs.     76500.00 XX Primary Refinance CashOut_Other   21880
SAIF202620064     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseWrittenListofServiceProvidersDisclosureDate 11/26/2025 01/07/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing Service Providers List.    01/06/2026:   01/07/2026: Provide in trailing docs     76500.00 XX Primary Refinance CashOut_Other   21931
SAIF202620064     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 11/26/2025 01/08/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. The earliest dated CD in file was issued 11/11/2025 and the closing date was 11/13/2025 which is less than 3 days. Electronic delivery summary indicates initial CD was issued 10/31/2025, but this CD is missing from documents.   File contains only 1 LE which is dated 10/29/2025 and only 1 CE which is dated 11/11/2025. The loan application date was 09/2/2025. Please provide all LEs and CDs disclosed to the borrower, along with all corresponding CoCs so compliance may be retested.    01/06/2026:   01/08/2026: Initial CD provided in trailing docs.     76500.00 XX Primary Refinance CashOut_Other   21932
SAIF202620064     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 11/26/2025 01/08/2026 Cleared -Trailing Doc D A Compliance TRID   The loan failed the charges that cannot increase more than 10% test. Total charges increased from $0 to $682. Valid COC or cure of $682 required. File contains only 1 LE which is dated 10/29/2025 and only 1 CE which is dated 11/11/2025.  The loan application date was 09/2/2025.  Please provide all LEs and CDs disclosed to the borrower, along with all corresponding CoCs so compliance may be retested.    01/06/2026: These have been uploaded.   01/08/2026: CoC provided in trailing docs.     76500.00 XX Primary Refinance CashOut_Other   21933
SAIF202620081     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseHOEPAHPMLHCMResult 12/26/2025 01/13/2026 Waived D B Valuation Documentation   This loan failed the higher-priced mortgage loan test and requires a secondary valuation at no cost to the customer. The only valuation provided in file is the full appraisal dated 11/03/2025 with the charge paid by the borrower on the final CD.   01/13/2026: Client guidelines require 1 full interior/exterior appraisal.  Downgrade to B, non-material.     187000.00 XX Primary Refinance Debt_Consolidation   22832
SAIF202620081     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 12/26/2025 12/26/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 11.393% APR exceeds the 9.660% threshold to qualify for a safe harbor.         187000.00 XX Primary Refinance Debt_Consolidation   22834
SAIF202620081     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseQMRegulationFailures 12/26/2025 12/26/2025 Waived B B Compliance QM   This loan failed the Qualified Mortgage APR Threshold test. The 11.393% APR exceeds the threshold of 9.660%.         187000.00 XX Primary Refinance Debt_Consolidation   22835
SAIF202620081     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 12/26/2025 01/07/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $3,537 to $1,362.40. Cure of $71.10 issued on final CD is insufficient for total tolerance violations. Valid COC or cure of $1,362.40 required.    01/06/2026: COC LE 11/12 disclosed the discount points increase from $3537.00 to $4899.40. see provided COC/LE     01/06/2026:   01/07/2026: CoC provided in trailing docs, exception cleared     187000.00 XX Primary Refinance Debt_Consolidation   22836
SAIF202620081     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 12/26/2025 01/07/2026 Cleared -Trailing Doc D A Compliance TRID   The loan failed the charges that cannot increase more than 10% test. Total charges increased from $534 to $939. Cure of $71.10 issued on final CD is insufficient to total tolerance violations. Valid COC or cure of $351.60 required.    01/06/2026: COC/LE 11/12/25 disclosed the increase to the lenders Title Insurance from $75 to $330 due to loan amount increase – See provided COC/LE.  on final CD a lender cure was provided for the addition of the Title Subordination Prep fee of $150.  Lender cure was applied for $71.10 and is noted on final CD. No further cure required.   01/07/2026: CoC provided in trailing docs, exception cleared     187000.00 XX Primary Refinance Debt_Consolidation   22837
SAIF202620339     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 02/25/2026 03/05/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         35000.00 XX Primary Refinance CashOut_Other   190992
SAIF202620339     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 02/25/2026 03/05/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 11.716% APR exceeds the 9.750% threshold to qualify for a safe harbor.         35000.00 XX Primary Refinance CashOut_Other   190993
SAIF202620339     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 02/25/2026 03/05/2026 Waived B B Compliance State Violation   This loan charges one or more fees prohibited under the TX Prohibited Fees Test. Total prohibited fee is $319. Fees included in testing are:  Document Preparation Fee paid by Lender $250 and Title Certification Fee paid by Lender $69. ***Per Client email 02.17.2026, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the the Doc Prep and Title Cert fees paid by the lender, would result in no violation.****  Waived.         35000.00 XX Primary Refinance CashOut_Other   190994
SAIF202620339     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomesteadPropertyIndicator 02/26/2026 03/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Acknowledgement of Fair Market Value required on Texas A6 loans.    03/09/2026:   03/11/2026: Provided in trailing docs     35000.00 XX Primary Refinance CashOut_Other   191080
SAIF202621069     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 03/17/2026 03/20/2026 Cleared -Trailing Doc D A Valuation Documentation   File is missing a copy of the appraisal or other valuation model used to qualify.    03/19/2026:   03/20/2026: AVM provided in trailing docs     88200.00 XX Primary Refinance Debt_Consolidation   192125
SAIF202621069     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/17/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or MHELP document, is missing.    03/19/2026:     03/24/2026:   03/20/2026: Seller provided letter from Old Republic, however, per meeting with client 01.27.2026, please provide the Transaction Certificate evidencing the subject loan. Moving forward we will also be clearer in this exception verbiage.  Thank you    03/27/2026: Transactional Cert provided in trailing docs     88200.00 XX Primary Refinance Debt_Consolidation   192127
SAIF202621069     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/17/2026 03/20/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1679 to $1940.40. The Credit Report Fee increased from $66 to $122.00.  The final CD reflects a tolerance cure of $56.35 but is insufficient to cure total violation. Valid CoC or additional cure of $261.05 is required.    03/19/2026:   03/20/2026: CoC provided in trailing docs     88200.00 XX Primary Refinance Debt_Consolidation   192140
SAIF202620074     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/11/2026 05/11/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         51000.00 XX Primary Refinance Debt_Consolidation   200932
SAIF202620074     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/11/2026 05/11/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.026 % APR exceeds the 9.640 % threshold to qualify for a safe harbor.         51000.00 XX Primary Refinance Debt_Consolidation   200934
SAIF202620074     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/11/2026 05/11/2026 Waived B B Compliance State Violation   This loan failed the NC Rate Spread Home Loan Test.         51000.00 XX Primary Refinance Debt_Consolidation   200935
SAIF202620074     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/11/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains 2 Loan Estimates dated 01/28/2026 and 02/02/2026. The 01/28/2026 LE reflected the rate was unlocked.  Lock information in the file reflects the rate was locked on 01/28 but the next disclosure is the LE sated 02/02/2026 which is more than 3 days.  There is no corresponding LE, CD and CoC reflecting the rate lock.    05/15/2026:   05/15/2026: provided trailing     51000.00 XX Primary Refinance Debt_Consolidation   200931
SAIF202621296     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 05/06/2026 05/18/2026 Cleared -Trailing Doc D A Valuation Documentation   File is missing the AVM and/or other property valuations used to qualify the loan.    05/08/2026: 05/12/2026: Lender provided a QVM in trailing docs from Quantarium which reflects the estimated value of $261,930 used to qualify the loan.  Review notes that the final CD reflects the borrower was charged an appraisal fee of $11 to Clear Capital and a $9 AVM fee to Ascribe LLC.  Please provide the second valuation model the customer was charged for along with explanation for providing a Quantarium v Clear Capital appraisal as was disclosed to the customer and evidence the customer received both valuation models.  The file contains evidence the appraisal was sent 03/17/2026 but review is unable to determine which valuation model was sent with that confirmation. 05/18/2026: AVM provided in trailing docs     25000.00 XX Primary Refinance CashOut_Other   200221
SAIF202621296     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/06/2026 05/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.    05/26/2026:   05/27/2026: Master Residential Equity Loan Policy Certificate provided in trailing docs.     25000.00 XX Primary Refinance CashOut_Other   200226
SAIF202621296     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTILAResult 05/07/2026 05/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 04/16/2026 and the closing date was 04/18/2026 which is less than 3 days. Per the Disclosure Tracking in file 2 additional CDs were provided to the Borrower on 03/25/2026 and 04/10/2026 which were not included in the file.    05/08/2026:     05/08/2026:   05/18/2026: Seller provided the 03/02/2026 CD in trailing docs     25000.00 XX Primary Refinance CashOut_Other   200268
SAIF202621296     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/07/2026 05/27/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. Credit report increased from $66 to $122. Valid CoC or cure of $56 required.  The file contains 3 CoCs tied to CDs dated 04/15, 04/10, and 03/25 none of which are in the loan file.  The file contains only 1 LE and 1 CD which were issued 02/02 and 04/16.    05/14/2026: Good afternoon, We need to know if a Principle Reduction is acceptable as a refund method.    05/26/2026: 05/18/2026: Seller provided the initial CD dated 03/25/2026 in trailing docs.  The file is still missing the CDs tied to the CoCs dated 04/10 and 04/15.  As no such CDs were provided to the referenced CoCs, the finding remains valid.  Cure of $56 required. 05/27/2026: PCCD and cure provided in trailing docs     25000.00 XX Primary Refinance CashOut_Other   200269
SAIF202621524     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/19/2026 06/08/2026 Waived D B Compliance State Violation   This loan failed the TX prohibited fees test by $309.  Fees included in testing: Document Preparation Fee paid by borrower - $250 and Title Tax Search Fee paid by lender - $59.  Even with the exclusion of the Tax Search fee paid by the lender, the loan fails because of the borrower paid Doc Prep fee of $250.    06/03/2026: :    A lender credit was provided for appraisal and credit report fees under disclosed $146.35.   Per mavent report the loan fees are passing the 2% fees test and are below the max threshold.  ( see compliance report snip )   06/08/2026: Compliance restested with DocPrep fee attributes correctly entered, loan fails the test by $59 based on the Tax Search fee paid by the lender.  However, per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Tax Search fee paid by the lender, would result in no violation.  Waived.     29750.00 XX Primary Refinance CashOut_Other   202544
SAIF202621524     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/20/2026 05/20/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage test.         29750.00 XX Primary Refinance CashOut_Other   202706
SAIF202621524     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/20/2026 05/20/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.116% APR exceeds the 9.110% threshold to qualify for a safe harbor.         29750.00 XX Primary Refinance CashOut_Other   202707
SAIF202621524     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/20/2026 06/08/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $635 to $725, the Credit Report Fee increased from $66 to $122 and the Document Preparation Fee increased from $0 to $250. Total violation is $396. The final CD reflected a tolerance cure of $146.35, however it is insufficient to cure the total violation of $396. Valid CoC or additional cure of $249.65 required.    06/03/2026: :    A lender credit was provided for appraisal and credit report fees under disclosed $146.35.   Per mavent report the loan fees are passing the 2% fees test and are below the max threshold.  ( see compliance report snip )   06/08/2026: Compliance retested with correct Doc Prep fee attribute, exception cleared.     29750.00 XX Primary Refinance CashOut_Other   202703
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEasePoliciesResult 06/17/2026 06/17/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         49000.00 XX Primary Refinance Debt_Consolidation   206656
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 06/17/2026 06/17/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.493% APR exceeds the 9.230% threshold to qualify for a safe harbor.         49000.00 XX Primary Refinance Debt_Consolidation   206657
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance CT22_1stNote_Status 06/16/2026 06/22/2026 Cleared -Trailing Doc D A Credit Documentation   Subject Note is missing from the file. The Note provided in the file is for the 1st Lien, not the Subject Loan.    06/18/2026: 06/22/2026: provided trailing       49000.00 XX Primary Refinance Debt_Consolidation   206555
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance BorrowerID 06/16/2026 06/22/2026 Cleared -Trailing Doc D A Credit Documentation   The loan file is missing the Patriot Act Information form.    06/18/2026: 06/22/2026: provided trailing       49000.00 XX Primary Refinance Debt_Consolidation   206562
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/16/2026 06/22/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.    06/18/2026: 06/22/2026: Provided trailing       49000.00 XX Primary Refinance Debt_Consolidation   206565
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalCost 06/16/2026 06/22/2026 Cleared -Trailing Doc D A Valuation Documentation   The appraisal invoice is missing from the file.    06/18/2026: 06/22/2026: provided trailing       49000.00 XX Primary Refinance Debt_Consolidation   206568
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalDeliveryDate 06/16/2026 06/22/2026 Cleared -Trailing Doc D A Valuation Documentation   The appraisal delivery date document is missing from the file.    06/18/2026: 06/22/2026: provided trailing       49000.00 XX Primary Refinance Debt_Consolidation   206569
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomeYearsOfBusinessTaxReturns 06/16/2026 06/24/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing self-employment income documents for borrower.    06/18/2026:     06/23/2026: 06/22/2026: Seller provided VOE and yellow page search to verify business, however no income documents were provided to validate monthly income.    06/24/2026: provided trailing       49000.00 XX Primary Refinance Debt_Consolidation   206573
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/16/2026 06/22/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The are 2 CDs in the file dated 05/22 and 05/27. The 05/22 CD was issued less than 6 business days of closing which was 05/28.  The file contains Specific Closing Instructions that reflects the iCD was issued 05/18 and a pre-closed internal compliance report also uses this date as the iCD,  but no such CD was located in the loan file.    06/18/2026: 06/22/2026: 2 add'l CDs provided in trailing docs       49000.00 XX Primary Refinance Debt_Consolidation   206582
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 06/16/2026 06/22/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee from $1,214 to $1,239.70 and the Appraisal Fee increased from $50 to $600. Total violation was $575.70. The lender provided a tolerance cure of $550 on the final CD however it is insufficient for total cure. Valid CoC or additional cure of $25.70 is required.    06/18/2026: 06/22/2026: CDs and CoC provided       49000.00 XX Primary Refinance Debt_Consolidation   206583
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalCURiskOverallScore 06/17/2026 06/22/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the UCDP Reports (Fannie Mae and Freddie Mac) to determine the CU Score and Rep and Warrant Relief Eligibility.    06/18/2026: 06/22/2026: Both reports provided trailing       49000.00 XX Primary Refinance Debt_Consolidation   206649
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance Income_EmploymentStartDate 06/17/2026 06/22/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing.     06/18/2026: 06/22/2026: provided trailing       49000.00 XX Primary Refinance Debt_Consolidation   206650
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsAssetsVerified 06/17/2026 06/22/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of funds to close in the amount of $1380.65 as required by XXXX guidelines.    06/18/2026: 06/22/2026: Provided trailing       49000.00 XX Primary Refinance Debt_Consolidation   206654
SAIF202621685     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance Service_Provider_List_DocExist 06/17/2026 06/22/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List Disclosure.    06/18/2026: 06/22/2026: provided trailing       49000.00 XX Primary Refinance Debt_Consolidation   206655
SAIF202622599     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/08/2026 07/08/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.126 % APR exceeds the 9.910 % threshold to qualify for a safe harbor.         25000.00 XX Primary Refinance CashOut_Other   210028
SAIF202622599     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/08/2026 07/08/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         25000.00 XX Primary Refinance CashOut_Other   210042
SAIF202622333     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 06/29/2026 06/29/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.7 and is not R&W Eligible. ***Full appraisal in file, Non-material, Waived per client directive.***         105000.00 XX Primary Refinance Debt_Consolidation   208401
SAIF202622333     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 06/29/2026 06/29/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         105000.00 XX Primary Refinance Debt_Consolidation   208424
SAIF202622333     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 06/29/2026 06/29/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 11.400 % APR exceeds the 9.920 % threshold to qualify for a safe harbor.         105000.00 XX Primary Refinance Debt_Consolidation   208425
SAIF202622333     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 06/29/2026 07/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The 2 CDs in file were issued 06/11/2026 and the closing date was 06/13/2026, which is less than 3 days. The final contains a CoC tied to the 06/09 CD which was not included in the file.    07/02/2026: 07/06/2026: CD and CoC provided trailing       105000.00 XX Primary Refinance Debt_Consolidation   208418
SAIF202622333     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 06/29/2026 07/06/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $2417 to $2488.50, the Credit Report Fee increased from $131 to $254.88 and the Transfer Taxes increased from $193.50 to $210. Total violation is $211.68. The final CD reflects a tolerance cure of $123.38, however it is not enough to cure the total violation. Valid CoC or additional cure of $88.30 required.    07/02/2026: 07/06/2026: CD and CoC provided trailing       105000.00 XX Primary Refinance Debt_Consolidation   208421
SAIF202622535     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 08/03/2026 08/05/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         40000.00 XX Primary Refinance CashOut_Other   215119
SAIF202622535     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 08/03/2026 08/05/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 10.085%. The APR threshold to qualify for a safe harbor is 9.920%.         40000.00 XX Primary Refinance CashOut_Other   215120
SAIF202622613     B - Non-Material B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/17/2026 07/22/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 14.097% and the QM APR Threshold is 12.920%.         45000.00 XX Primary Refinance Debt_Consolidation   212020
SAIF202622613     B - Non-Material B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/17/2026 07/22/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of  14.097%. The APR threshold to qualify for a safe harbor is 9.920%.         45000.00 XX Primary Refinance Debt_Consolidation   212022
SAIF202622613     B - Non-Material B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/22/2026 07/22/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         45000.00 XX Primary Refinance Debt_Consolidation   213063
SAIF202622613     B - Non-Material B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 07/15/2026 07/30/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing.  The VOE in file is dated 06/15/2026 and the loan closed on 07/02/2026.    07/29/2026: 07/30/2026: provided trailing       45000.00 XX Primary Refinance Debt_Consolidation   211631
SAIF202622295     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/10/2026 07/14/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.         130000.00 XX Primary Refinance CashOut_Other   210606
SAIF202622295     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 07/10/2026 07/20/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the AVM, Desktop Valuation and/or Appraisal from the file.    07/16/2026: 07/20/2026: provided trailing       130000.00 XX Primary Refinance CashOut_Other   210609
SAIF202622295     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 07/14/2026 07/20/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a letter of explanation for the credit inquiry with XXXX on 05/18/2026.    07/17/2026: 07/20/2026: provided trailing       130000.00 XX Primary Refinance CashOut_Other   211242
SAIF202622295     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance CreditHistoryCollectionNumber 07/14/2026 07/21/2026 Cleared -Trailing Doc C A Credit Credit History   The credit report reflects an open non-medical Collection Account in the amount of $1354 that was opened on 09/08/2025 that was not paid at closing. Per XXXX guidelines major adverse credit are collection accounts, charge-off accounts, judgments, liens, delinquent property taxes, repossessions, garnishments, and non-mortgage accounts currently 90 days or more delinquent.    07/20/2026: 07/21/2026: LOE provided in trailing       130000.00 XX Primary Refinance CashOut_Other   211243
SAIF202622295     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance EligibilityAcceptanceCLTV_Difference 07/14/2026 07/20/2026 Cleared -Trailing Doc D A Credit CLTV   Review is unable to determine LTV/CLTV due to missing documentation from the file. Upon receipt of the property valuation report, LTV/CLTV will be reviewed.    07/16/2026: 07/20/2026: AM provided trailing, no LTV/CLTV issues       130000.00 XX Primary Refinance CashOut_Other   211245
SAIF202622295     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance Mortgage1GAAttorneyandWaiverFound 07/14/2026 07/20/2026 Rescinded D A Credit Documentation   Missing the GA Acknowledgement of Borrower's Right from the file.    07/16/2026: Wasn't sure exactly which one you wanted. 07/20/2026: Review Rescinds, this document does not apply to the state of the subject property.       130000.00 XX Primary Refinance CashOut_Other   211240
SAIF202622855     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.    08/03/2026: 08/03/2026: provided trailing       101490.00 XX Primary Refinance Debt_Consolidation   213132
SAIF202622855     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the property valuation report. The file did not contain an AVM, appraisal or desktop valuation.     08/03/2026: 08/03/2026: provided trailing    08/03/2026: provided trailing       101490.00 XX Primary Refinance Debt_Consolidation   213133
SAIF202622855     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance E-Consent_DocExist 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are  electronically signed.    08/03/2026: 08/03/2026: provided trailing       101490.00 XX Primary Refinance Debt_Consolidation   213134
SAIF202622855     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $775 to $806.85, the Appraisal Fee increased from $0 to $9 and Credit Report Fee increased from $203 to $252.68 . Total violation is $90.53.  The final CD reflects a tolerance cure of $152.28, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $184.13, therefore the cure is insufficient. Additional cure of $31.85 to clear total violation or CoC required.    08/03/2026: 08/03/2026: CoC provided       101490.00 XX Primary Refinance Debt_Consolidation   213136
SAIF202622855     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $704 to $868.  Total violation is $93.60.  The final CD reflects a tolerance cure of $152.28, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $184.13, therefore the cure is insufficient. Additional cure of $31.85 to clear total violation or CoC required.    08/03/2026: 08/03/2026: CoC provided       101490.00 XX Primary Refinance Debt_Consolidation   213137
SAIF202622855     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance EligibilityAcceptanceCLTV_Difference 07/27/2026 08/03/2026 Cleared -Trailing Doc D A Credit CLTV   Review is unable to determine LTV/CLTV due to missing documentation. Upon receipt of the property valuation report(s) LTV/CLTV will be reviewed.    08/03/2026: 08/03/2026: AVM provided trailing, no LTV/CLTV issue       101490.00 XX Primary Refinance Debt_Consolidation   213658
SAIF202622711     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/11/2026 08/10/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. Automated Valuation Model Fee increased from $0 to $22, the Credit Report Fee increased from $66.34 to $126.34 and Transfer Taxes increased from $96 to $99. Total violation is $85. The final CD reflects a tolerance cure of $85.69, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $86.50, therefore the cure is insufficient. Additional cure of $0.81 to clear total violation or CoC required.    07/28/2026: :  per our mavent compliance test, the required cure was $85.69, and this is the amount that was applied on the final CD.   NOTE: Please review the credit report fee as your starting amount is reflected as $66.34, however, it was $65.65     07/28/2026:     08/07/2026: 07/30/2026: Seller Mavent report is not properly considering the baseline 10% fees from the LEs.  CPL baseline is $45 not $50.  Screenshots of OD compliance test results for 0 tolerance showing $85.00 violation and 10% tolerance violation showing $1.50 tolerance violation, upload to trailing docs.  Cure of $86.50 insufficient, additional cure of $0.81 required.  Uploaded for your reference.    08/10/2026: PCCD provided and evidence of cure in trailing docs       33000.00 XX Primary Refinance CashOut_Other   210846
SAIF202622711     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/17/2026 08/10/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $555 to $612. Total violation is $1.50. The final CD reflects a tolerance cure of $85.69, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $86.50, therefore the cure is insufficient. Additional cure of $0.81 to clear total violation or CoC required.    08/07/2026: 07/30/2026: Seller Mavent report is not properly considering the baseline 10% fees from the LEs.  CPL baseline is $45 not $50.  Screenshots of OD compliance test results for 0 tolerance showing $85.00 violation and 10% tolerance violation showing $1.50 tolerance violation, upload to trailing docs.  Cure of $86.50 insufficient, additional cure of $0.81 required.   Uploaded for your reference.    08/10/2026: PCCD provided and evidence of cure in trailing docs       33000.00 XX Primary Refinance CashOut_Other   211941
SAIF202622960     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/30/2026 07/30/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         25000.00 XX Primary Refinance Debt_Consolidation   214578
SAIF202622960     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/30/2026 07/30/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 9.780%. The APR threshold to qualify for a safe harbor is 9.520%.         25000.00 XX Primary Refinance Debt_Consolidation   214580
SAIF202622960     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 08/04/2026 08/04/2026 Waived B B Credit Documentation   ****NEW EXCEPTION****  Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 2.1 and is not R&W Eligible.  Full appraisal in file, Non-material, Waived per client directive.         25000.00 XX Primary Refinance Debt_Consolidation   215174
SAIF202622960     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/30/2026 08/04/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in the file was issued 07/14/2026 and the closing date was 07/15/2026, which is less than 3 days.    08/03/2026: 08/04/2026: iCD provided in trailing       25000.00 XX Primary Refinance Debt_Consolidation   214579
SAIF202622960     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 07/30/2026 08/06/2026 Cleared -Trailing Doc D A Credit Documentation   The Patriot Act Information Disclosure is missing for the borrower.    08/03/2026:     08/05/2026: 08/04/2026: Seller uploaded the Patriot Act Disclosure, we need the Information sheet with the information of the document(s) used for ID.    08/06/2026: Provided trailing       25000.00 XX Primary Refinance Debt_Consolidation   214570
SAIF202622960     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 07/30/2026 08/06/2026 Cleared -Trailing Doc D A Credit Documentation   The Patriot Act Information Disclosure is missing for the co-borrower.    08/03/2026:     08/05/2026: 08/04/2026: Seller uploaded the Patriot Act Disclosure, we need the Information sheet with the information of the document(s) used for ID.    08/06/2026: Provided trailing       25000.00 XX Primary Refinance Debt_Consolidation   214571
SAIF202622960     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 07/30/2026 08/04/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the most recent Mortgage Statement for the 1st lien to validate current UPB.    08/03/2026: 08/04/2026: Provided trailing       25000.00 XX Primary Refinance Debt_Consolidation   214573
SAIF202622960     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalCost 07/30/2026 08/06/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the appraisal invoice from from the file.    08/03/2026:     08/05/2026: 08/04/2026: Seller uploaded a copy of the appraisal, what is missing is the appraisal invoice, please provide.    08/06/2026: Provided Trailing       25000.00 XX Primary Refinance Debt_Consolidation   214574
SAIF202622960     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalCURiskOverallScore 07/30/2026 08/04/2026 Cleared -Trailing Doc D A Valuation Documentation   File is missing USDP reports.    08/03/2026: 08/04/2026: Provided trailing       25000.00 XX Primary Refinance Debt_Consolidation   214575
SAIF202622960     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/30/2026 08/12/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $715 to $825. A Valid CoC or additional cure of $110 is required.    08/03/2026: The ICD has the Appraisal fee the same of 825.00 please clear condition.    08/11/2026:     08/11/2026: Appraisal fee increased and a COC for this change was issued to the borrower.  See attached proof of increase, COC and LE. 08/04/2026: The iCD has an increased appraisal fee but there is no CoC tied to the increase.  Without a valid CoC fees cannot increase.  Please provide valid CoC tied to the increased appraisal fee.    08/06/2026: Additional comment - The appraisal fee increased on the 06/24 LE with no valid CoC in file.  Exception remains valid.    08/12/2026: CoC provided trailing       25000.00 XX Primary Refinance Debt_Consolidation   214577
SAIF202622960     D - Missing Documents B - Non-Material D - Missing docs B - Compensating Factors D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerName 07/30/2026 08/06/2026 Rescinded D A Credit Documentation   Missing the income calculation, for both borrowers.    08/05/2026: There are no income calculation sheets as there is nothing to calculate.  The income is Pension and Social Security income.  Please let me know if there is anything else needed. 08/06/2026: Concur - Updated guidelines do not specify if an income calculation worksheet is required for fixed income borrowers.  Exception rescinded.       25000.00 XX Primary Refinance Debt_Consolidation   214576
SAIF202622832     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/04/2026 08/05/2026 Waived B B Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.         33000.00 XX Primary Refinance Debt_Consolidation   215384
SAIF202622832     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 08/04/2026 08/05/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 10.144%. The APR threshold to qualify for a safe harbor is 10.070%.         33000.00 XX Primary Refinance Debt_Consolidation   215385
SAIF202622832     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 08/04/2026 08/05/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         33000.00 XX Primary Refinance Debt_Consolidation   215386
SAIF202623206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 08/20/2026 08/20/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan does not have a CU Score and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive.         60000.00 XX Primary Refinance CashOut_Other   218216
SAIF202623206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 08/20/2026 08/20/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of  10.101%. The APR threshold to qualify for a safe harbor is 9.990%.         60000.00 XX Primary Refinance CashOut_Other   218279
SAIF202623206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 08/20/2026 08/20/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         60000.00 XX Primary Refinance CashOut_Other   218281
SAIF202623206     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var Mortgage1IsOtherRider 08/20/2026 08/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Manufactured Home Affidavit of Affixation Rider from the file. The Manufactured Home Affidavit of Affixation Rider in the file belongs to the senior lien from 11/18/2020.    08/25/2026: 08/26/2026: Provided trailing       60000.00 XX Primary Refinance CashOut_Other   218212
SAIF202623261     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance BorrowerFirstName 08/19/2026 08/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the final, signed 1003 loan application for the co-borrower.    08/25/2026: 08/28/2026: Provided in trailing docs.       53000.00 XX Primary Refinance CashOut_Other   217999
SAIF202623261     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance BorrowerID 08/19/2026 08/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act ID disclosure/ID, for the borrower.    08/25/2026: 08/28/2026: Provided in trailing docs.       53000.00 XX Primary Refinance CashOut_Other   218001
SAIF202623261     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance BorrowerID 08/19/2026 08/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act ID disclosure/ID, for the co-borrower.    08/25/2026: 08/28/2026: Provided in trailing docs.       53000.00 XX Primary Refinance CashOut_Other   218003
SAIF202623261     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance TPOLIsExists 08/19/2026 09/04/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the title search/title and Transactional Certificate or the final title policy from the file.  The file contains no title documents.    08/25/2026:     09/01/2026: 08/28/2026: Loan is missing title search/title and Transactional Certificate or the final title policy from the file. Lender provided the Transactional Certificate and did not provide other title documents.    08/28/2026: OD Review: Loanwas missing title search/title and Transactional Certificate or the final title policy from the file. Lender provided the Transactional Certificate and did not provide other title documents.    08/28/2026: please provide the title search work as well.    09/04/2026: provided trailing       53000.00 XX Primary Refinance CashOut_Other   218007
SAIF202623261     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance TPOLLegalDescription 08/19/2026 08/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the legal description for the property.     08/25/2026: 08/28/2026: Provided in trailing docs.       53000.00 XX Primary Refinance CashOut_Other   218011
SAIF202623261     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance TPOLSeniorLoanAmount 08/19/2026 08/28/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the most recent Mortgage Statement for the 1st lien to validate current UPB.    08/26/2026: 08/28/2026: Provided in trailing docs.       53000.00 XX Primary Refinance CashOut_Other   218013
SAIF202623261     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalOrigAppraisedValue 08/19/2026 09/04/2026 Cleared -Trailing Doc D A Valuation Documentation   The file is missing the valuation report used to qualify the loan.  Per the CD in file, the customer was charged 2 different AVM fees, neither are in the loan file.    08/25/2026:     09/01/2026: 08/28/2026: OD Reply: Only one AVM was provided. The borrower was charged for 3 different AVM's, per the invoices provided.    08/28/2026: For clarification:  the fCD and provided invoices, reflect the borrowers were charged for 3 different valuation fees paid to 3 different companies (Ascribe, ClearCapital, Stewart Valuations).  The seller provided only 1 AVM in trailing docs from Corelogic.  Please provide.    09/04/2026: provided trailing       53000.00 XX Primary Refinance CashOut_Other   218014
SAIF202623261     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ManufacturedHousingHUDCodeComplianceIndicator 08/19/2026 09/10/2026 Cleared -Trailing Doc D A Credit Documentation   The HUD Data Plate/Tag or Label Verification Letter as required by guidelines, is missing from the file.    08/25/2026:     09/09/2026: 08/28/2026: OD Reply: Manufactured Home Affidavit of Affixation Rider was provided, however, evidence of the HUD Data Plate/Tag or Label Verification Letter was not located in the file or trailing docs.    08/28/2026: The Affidavit of Affixation Rider provided does not reflect the HUD Data Plate/Tag or Label Verification.    09/10/2026: provided trailing       53000.00 XX Primary Refinance CashOut_Other   218017
SAIF202623261     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance E-Consent_DocExist 08/19/2026 08/28/2026 Cleared -Trailing Doc D A Compliance Documentation   The E-Consent is missing from the file. The documents in the file are electronically signed.    08/25/2026: 08/28/2026: Provided in trailing docs.       53000.00 XX Primary Refinance CashOut_Other   218030
SAIF202623261     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/19/2026 08/28/2026 Cleared -Trailing Doc D A Compliance Documentation   This loan failed the initial closing disclosure delivery date test.  The file contains 1 CD dated 08/07/2026 and the closing date was 08/10/2026 which is less than 3 days.    08/25/2026: 08/28/2026: Provided in trailing docs.       53000.00 XX Primary Refinance CashOut_Other   218045
SAIF202623261     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalCLTV 08/20/2026 08/28/2026 Cleared -Trailing Doc D A Credit Guidelines   Unable to validate LTV/CLTV due to missing documentation.    08/25/2026: 08/28/2026: Provided in trailing docs.       53000.00 XX Primary Refinance CashOut_Other   218219
SAIF202620039     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMQMStatus2 10/20/2025 11/03/2025 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.   11/03/2025: non-material, waive     25000.00 XX Primary Refinance Debt_Consolidation   20640
SAIF202620039     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 10/20/2025 11/03/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 10.517%. The APR threshold to qualify for a safe harbor is 10.27%.   11/03/2025: non-material, loan is rebuttable presumption     25000.00 XX Primary Refinance Debt_Consolidation   20641
SAIF202620039     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMQMStatus2 10/20/2025 11/03/2025 Waived B B Compliance State Violation   This loan failed the NC Rate Spread Home Loan Test.   11/03/2025: non-material, waive     25000.00 XX Primary Refinance Debt_Consolidation   20643
SAIF202620039     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 10/21/2025 10/30/2025 Cleared -Trailing Doc D A Credit Documentation   File is missing evidence of a credit refresh or current mortgage payment statement for the 1st lien to validate current balance and current pay history.  Credit Report in file reports only up to 06/2025.   10/30/2025: Mtg pay history provided in trailing docs.     25000.00 XX Primary Refinance Debt_Consolidation   20682
SAIF202620039     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLDocType 10/21/2025 11/12/2025 Cleared -Trailing Doc D A Credit Documentation   The file is missing a copy of the title policy or title commitment or title search work.   11/12/2025: Title search work provided in trailing docs     25000.00 XX Primary Refinance Debt_Consolidation   20684
SAIF202620039     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 10/20/2025 11/10/2025 Rescinded D A Compliance TRID   This loan failed the Reimbursement Amount test.  At the time of closing, the loan failed the Charges That Cannot Increase and Charges that Cannot Increase More than 10% tests due to the final CD had a Credit report fee increased from $66 to $88.41 and a Subordination Fee increased from $0 to $375 resulting in total tolerance violation of $332.41.   The lender issued a credit to cure for the tolerance violation of $325.26 on the final CD.  Valid change of circumstance or additional cure of $7.15 required.     10/30/2025: A lender cure of $325.26 was present on final CD for under disclosed credit report fee and Title subordination fees.  The Title Subordination Fee is a title fee and falls under the 10% category – Total 10% cure was $302.50.  The Credit Report fee is a 0% tolerance fee and it increased from $65.65 to $88.41, with a cure requirement of $22.76.  Total cure for both is $325.26 and this was provided on final CD. 11/03/2025: OD concurs that Credit Report is a 0% tolerance fee and apologizes for the poorly written/worded initial exception.  This loan fail both the 0% tolerance and the 10% tolerance tests.  Two separate exceptions should have been set to clarify the difference.  To itemize: The loan failed 0 Tolerance test due to Credit Report increasing from $66 to $88.41 requiring a cure of $22.41. The loan failed 10% Tolerance test due to total 10% fees increasing from $550 to $915 requiring a cure of $310.   Total cure required for both violations is $332.41 The final CD provided a tolerance reimbursement of $325.26 which leaves a balance of $7.15 required to fully cure. 11/10/2025: Rescind - reevaluated and reran CE, exception cleared based on 10% fees baseline of $625 increased to $990. Reimbursement provided at closing sufficient to cure all tolerance violations.     25000.00 XX Primary Refinance Debt_Consolidation   20639
SAIF202620036     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Credit Mortgage History   File is missing evidence of a credit refresh or current mortgage payment statement for the 1st lien to validate current balance and current pay history. Credit Report in file reports only up to 07/2025.   11/04/2025: provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   20940
SAIF202620036     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerExecutedProperly 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Compliance TILA   Notice of Right to Cancel form is not executed by borrower. Two forms were provided in documents, but neither are signed.   11/04/2025: executed RTC provided in trailing docs     50000.00 XX Primary Refinance CashOut_Other   20943
SAIF202620043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 11/04/2025 11/04/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.833% APR exceeds the 10.110% threshold to qualify for a safe harbor.   11/04/2025: non-material     32500.00 XX Primary Refinance CashOut_Other   21255
SAIF202620043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseHOEPAHPMLHCMResult 11/04/2025 11/04/2025 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.   11/04/2025: non-material     32500.00 XX Primary Refinance CashOut_Other   21280
SAIF202620043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 11/04/2025 11/12/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $0 to $740.  Valid initial Loan Estimate and/or valid COC or cure of $740 required   11/12/2025: LEs provided in trailing docs. exception cleared     32500.00 XX Primary Refinance CashOut_Other   21281
SAIF202620043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 11/04/2025 11/12/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Section A and non-shoppable Section B Fees increased from $0 to $1252.34. Valid initial Loan estimate and/or valid COC or cure of $1252.34 required.   11/12/2025: LEs provided in trailing docs, exception cleared     32500.00 XX Primary Refinance CashOut_Other   21258
SAIF202620043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance LE_Status 11/04/2025 11/12/2025 Cleared -Trailing Doc D A Compliance Documentation   The file contains a CoC tied to an LE dated 09/16/2025, however, there is no LE in the file dated the same.  The file contains only 1 LE which is dated 09/25/2025.   11/12/2025: Provided in trailing docs     32500.00 XX Primary Refinance CashOut_Other   21278
SAIF202620043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance LE_Final_TRIDDisclosureDateRateWasSet 11/04/2025 11/12/2025 Cleared -Trailing Doc D A Compliance Documentation   Rate Lock information in file reflects rate was locked 08/22/2025 but there is no LE dated within 3 days of rate lock.  File contains only 1 LE which is dated 09/25/2025.   11/12/2025: Provided in trailing docs     32500.00 XX Primary Refinance CashOut_Other   21279
SAIF202620043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsEndorsmentPresent 11/04/2025 11/17/2025 Cleared -Trailing Doc D A Credit Guidelines   Title Endorsements Alta 7, 7.1 or 7.2 are required for manufactured housing per Lender guidelines. The complete Title Policy was not located in the loan file to confirm these endorsements were included.    11/13/2025: Attached is the title for the first lien includes manufactured home endorsement.   11/17/2025: Provided in trailing docs     32500.00 XX Primary Refinance CashOut_Other   21249
SAIF202620043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CreditHistoryMortgageRentDelinqLast12 11/04/2025 11/17/2025 Cleared -Trailing Doc D A Credit Documentation   Missing evidence that the 1st lien is paid current. The loan file did contain a mortgage statement and the credit report showed the 1st lien as last reporting 8/06/2025. The loan closed on 10/22/2025.    11/13/2025: Pulled pay history today 11/13/2025   11/17/2025: Provided in trailing docs     32500.00 XX Primary Refinance CashOut_Other   21250
SAIF202620043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 11/04/2025 11/12/2025 Cleared -Trailing Doc D A Credit Documentation   Missing the Patriot Act Information Form for B1 and B2.   11/12/2025: Documentation provided in trailing docs.     32500.00 XX Primary Refinance CashOut_Other   21251
SAIF202620043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance LE_Status 11/04/2025 11/12/2025 Cleared -Trailing Doc D A Compliance Documentation   Missing the Initial LE sent on 8/22/2025 per the Disclosure Tracking Summary in file. The loan file only contained the Revised LE dated 09/25/2025.   11/12/2025: Provided in trailing docs, exception cleared.     32500.00 XX Primary Refinance CashOut_Other   21252
SAIF202620043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSrLienOrigDate 11/04/2025 11/12/2025 Cleared -Trailing Doc D A Credit Documentation   Missing the Note for the 1st Lien.   11/12/2025: Provided in trailing docs     32500.00 XX Primary Refinance CashOut_Other   21253
SAIF202620043     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 11/04/2025 11/12/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial loan estimate delivery date test (from application).  The Initial LE was not provided to borrower within 3 business days of the application date of 08/23/2025. Per the Disclosure Tracking Summary in file an Initial LE was sent on 08/22/2025; however, it was not included in the loan file.   11/12/2025: LEs provided in trailing docs, exception cleared     32500.00 XX Primary Refinance CashOut_Other   21254
SAIF202620053     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsExists 11/07/2025 01/14/2026 Cleared -Trailing Doc D A Credit Documentation   Title Endorsements Alta 7, 7.1, or 7.2 are required for manufactured housing per Lender guidelines. The complete Title Policy was not located in the file to confirm these endorsements were included.    11/13/2025: This is an uninsured file. A transactional certificate was issued in lieu of those documents. Thanks!    12/08/2025: We need to know if the attached is acceptable: • Property report and Transactional Cert (which is the E&O).    01/13/2026: See attached from the XXXX regarding the request for an Owner & Encumbrance report, there is nothing further they would provide. 11/19/2025: OD Reply:  Kindly upload a copy of the referenced transactional certificate and the exception will be escalated to Client for decision.    11/19/2025: We received a response from the Client that they will not accept a transactional certificate and to follow their guidelines relevant to O&E reports.  The guidelines require: For loan amounts </= 150K, must utilize an Owner & Encumbrance report with an attached E&O policy or attain an AOL (Attorney Opinion Letter), where applicable, validating title findings.  The Error & Omission insurance attached is transferrable to all investors and provides coverage for 360 months.  The purpose of the Owner & Encumbrance Report is to provide the following information: • Current grantee and grantor • Last deed of record information • Recordable legal description • Status of real estate taxes • Open mortgages and voluntary encumbrances • Judgments, liens and involuntary encumbrances Title must be in Borrower’s name and at time of application for all transactions and at time of closing for all transactions.    12/09/2025: ***Under Client Review***    12/10/2025: Per the Client:  the documents provided are not interchangeable with the Guideline requirements.  Please provide documentation as stated by guidelines.    01/14/2026: ***UNDER REVIEW**** 01/14/2026: The client does not accept the email/materials provided and is rejecting this loan.    01/27/2026: Per meeting with client 01.27.2026, title search work and Transactional Certificate in file.  Exception cleared via trailing docs.     01/27/2026: Status reset from "Removed by Client" to "Cleared-Trailing Docs"     30000.00 XX Primary Refinance CashOut_Other   21363
SAIF202620044     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsExists 11/06/2025 12/17/2025 Cleared -Trailing Doc D A Credit Documentation   Lender guidelines require ALTA Endorsement 7, 7.1 or 7.2 or any other endorsement required in the applicable jurisdiction be included in the file for manufactured homes to be treated as real property. A Title Policy including the required endorsement(s) was not located in the file.    11/13/2025: This is a 2nd mortgage for the same mortgage will upload the 1st title policy    11/19/2025: Got this response from the Title Agent.  ORT does not issues Alta 7 endorsements on MRELP products. 11/18/2025: Seller provided title documents in trailing docs for 1st lien which reflects the manufactured home endorsements but the subject loan title documents were not provided.    11/19/2025: Client guidelines require: For loan amounts </= 150K, must utilize an Owner & Encumbrance report with an attached E&O policy or attain an AOL (Attorney Opinion Letter), where applicable, validating title findings. The Error & Omission insurance attached is transferrable to all investors and provides coverage for 360 months. The purpose of the Owner & Encumbrance Report is to provide the following information: • Current grantee and grantor • Last deed of record information • Recordable legal description • Status of real estate taxes • Open mortgages and voluntary encumbrances • Judgments, liens and involuntary encumbrances Title must be in Borrower’s name and at time of application for all transactions and at time of closing for all transactions. 12/17/2025: MRELP cert provided in trailing docs.     84600.00 XX Primary Refinance CashOut_Other   21345
SAIF202620044     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLPrincipalAmount 11/06/2025 12/17/2025 Cleared -Trailing Doc D A Credit Documentation   The QuickEQ Title Report reflects loan amount of $80,000 and final loan amount is $84,600. 11/18/2025: Seller provided title documents in trailing docs but they are not for the subject loan but for a loan that originated in 2020. 12/17/2025: Master Residential Equity Loan Policy reflects correct loan amount, provided in trailing docs     84600.00 XX Primary Refinance CashOut_Other   21346
SAIF202620052     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMQMStatus2 11/20/2025 11/20/2025 Waived B B Compliance HPML   This loan failed the Higher-Priced Mortgage Loan Test.         35000.00 XX Primary Refinance CashOut_Other   21704
SAIF202620052     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 11/20/2025 11/20/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.156% APR exceeds the 9.82% threshold to qualify for a safe harbor.         35000.00 XX Primary Refinance CashOut_Other   21705
SAIF202620052     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 11/20/2025 11/24/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery test. The file contains on CD which was issued 11/06/2025 and signed at closing on 11/07/2025 which is less than 3 business days.   11/24/2025: iCD provided in trailing docs, exception cleared.     35000.00 XX Primary Refinance CashOut_Other   21706
SAIF202620052     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalMoHOAFees 11/20/2025 11/24/2025 Cleared -Trailing Doc D A Credit Documentation   Missing documentation of condo dues. Appraisal amount reflects $295/month vs $458/month used by lender.   11/24/2025: Provided in trailing docs     35000.00 XX Primary Refinance CashOut_Other   21701
SAIF202620052     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseWrittenListofServiceProvidersDisclosureDate 11/20/2025 11/24/2025 Cleared -Trailing Doc D A Compliance Documentation   File is missing Service Providers List.   11/24/2025: Provided in trailing docs     35000.00 XX Primary Refinance CashOut_Other   21702
SAIF202620062     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerID 12/14/2025 12/19/2025 Cleared -Trailing Doc D A Credit Documentation   File missing Patriot Act Information form with identification details for B1.   12/19/2025: Patriot Act form for B1 provided in trailing docs, exception cleared.     35000.00 XX Primary Refinance Debt_Consolidation   22494
SAIF202620062     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1LegalDescription 12/14/2025 12/19/2025 Cleared -Trailing Doc D A Credit Documentation   File is missing legal description to Deed of Trust   12/19/2025: Provided in trailing docs, exception cleared.     35000.00 XX Primary Refinance Debt_Consolidation   22495
SAIF202620062     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLPriorLiensMonthlyTotal 12/14/2025 12/19/2025 Cleared -Trailing Doc D A Credit Documentation   File is missing Current mortgage statement for 1st lien. Credit report current through 09/2025, loan closed 12/2025.  Need evidence of current principal balance and Oct and Nov mortgage payments have been made.   12/19/2025: Account history through 11/24/2025 provided in trailing docs, exception cleared.     35000.00 XX Primary Refinance Debt_Consolidation   22496
SAIF202620062     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 12/14/2025 12/31/2025 Cleared -Trailing Doc D A Compliance TILA   This loan failed the initial closing disclosure delivery date test. The earliest dated CD in file was issued 12/01/2025 and the closing date was 12/01/2025 which is less than 3 days. Electronic delivery summary indicates initial CD was issued 11/06/2025, but this CD is missing from documents.  File contains only 1 LE which is dated 09/25/2025 and only 1 CE which is dated 12/01/2025. The loan application date was 09/24/2025. File also contains CoCs tied to disclosures dated 11/6, 11/21, 11/25, 11/28, 12/021.  Please provide all LEs and CDs disclosed to the borrower, along with all corresponding CoCs so compliance may be retested. 12/19/2025: CoCs and a CD dated 11/06/25 provided in trailing docs, however, the file is still missing the 11/21/2025, 11/25/2025, and 11/28/2025 CDs as referenced on the CoCs. Please provide all LEs and CDs disclosed to the borrower, along with all corresponding CoCs so compliance may be retested. 12/31/2025: iCD provided in trailing docs, exception cleared     35000.00 XX Primary Refinance Debt_Consolidation   22497
SAIF202620062     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomesteadPropertyIndicator 12/16/2025 12/31/2025 Cleared -Trailing Doc D A Compliance Documentation   File is missing the Notice Concerning Extension of Credit required for TX A6 loan.    12/30/2025:     12/30/2025:   12/31/2025: Provided in trailing docs     35000.00 XX Primary Refinance Debt_Consolidation   22532
SAIF202620062     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomesteadPropertyIndicator 12/16/2025 12/31/2025 Cleared -Trailing Doc D A Compliance Documentation   File is missing the 12-day notice required for TX A6 loan.    12/30/2025:     12/30/2025:   12/31/2025: Provided in trailing docs, language in the Extension of Credit uploaded     35000.00 XX Primary Refinance Debt_Consolidation   22533
SAIF202620062     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomesteadPropertyIndicator 12/16/2025 01/14/2026 Cleared -Trailing Doc D A Compliance Documentation   File is missing Acknowledgement of Fair Market Value required for TX A6 loan.    01/02/2026:     01/06/2026:     01/14/2026: 01/05/2026: Seller provided a borrower executed copy in trailing docs, however it is not executed by the lender and required to be executed by all parties. 01/14/2026: Fully executed copy provided in trailing docs.     35000.00 XX Primary Refinance Debt_Consolidation   22534
SAIF202620062     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomesteadPropertyIndicator 12/16/2025 01/05/2026 Cleared -Trailing Doc D A Compliance Documentation   Final CD reflects discount points and file is missing the TX Home Equity Discount Points disclosure required for TX A6.    01/02/2026:   01/05/2026: Provided in Trailing Docs     35000.00 XX Primary Refinance Debt_Consolidation   22536
SAIF202620062     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomesteadPropertyIndicator 12/16/2025 02/03/2026 Rescinded C A Compliance State Violation   Per TX A6 requirements, debt being paid of may only include debt that encumbers the property. Final CD reflects $28,431.70 in payoffs to other creditors not reflected on title.     01/06/2026:     01/06/2026:     01/26/2026: This is a TX 50a(6) cashout transaction and the borrower can pay off any type of debt. Please clear exception    01/28/2026: Please let us know if this cleare.   02/03/2026: Review concurs with appeal and rescinds.     35000.00 XX Primary Refinance Debt_Consolidation   22535
SAIF202620061     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseWrittenListofServiceProvidersDisclosureDate 12/09/2025 12/17/2025 Waived D A Credit Documentation   File is missing Service Providers List disclosure.   12/17/2025: Provided in trailing docs     60000.00 XX Primary Refinance CashOut_Other   22297
SAIF202620061     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 12/08/2025 12/30/2025 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing for B2.  VOE in file is dated 10/30/2025, loan closed 11/21/2025.    12/30/2025:   12/30/2025: Provided in trailing docs     60000.00 XX Primary Refinance CashOut_Other   22277
SAIF202620108     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 01/28/2026 01/28/2026 Waived B B Compliance State Violation   This loan failed the MD COMAR higher-priced mortgage loan test.         35000.00 XX Primary Refinance CashOut_Other   189522
SAIF202620108     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/28/2026 01/28/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.153% APR exceeds the 9.760% threshold to qualify for a safe harbor.         35000.00 XX Primary Refinance CashOut_Other   189524
SAIF202620108     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AffiliatedBusiness_DocExist 01/28/2026 02/05/2026 Cleared -Trailing Doc D A Compliance Documentation   File is missing the Afffiliated Business Disclosure.    01/30/2026: XXXX doesn't have a contract with the state of Maryland. Please clear the exception.   02/05/2026: Lender indicates no Affiliates in the state of MD.  Exception cleared based on lender's statement.     35000.00 XX Primary Refinance CashOut_Other   189528
SAIF202620108     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/28/2026 02/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.    01/30/2026:   02/02/2026: Provided in trailing docs, exception cleared.     35000.00 XX Primary Refinance CashOut_Other   189501
SAIF202620108     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomeownershipCounselingOrganizationsDisclosureInFileIndicator 01/28/2026 02/06/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Homeownership Counseling Organizations Disclosure.    01/30/2026:     02/06/2026: Plear review the upload   02/06/2026: Provided in trailing docs     35000.00 XX Primary Refinance CashOut_Other   189518
SAIF202620114     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 01/28/2026 01/28/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         73000.00 XX Primary Refinance Debt_Consolidation   189497
SAIF202620114     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/28/2026 01/28/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.202% APR exceeds the 9.76% threshold to qualify for a safe harbor.         73000.00 XX Primary Refinance Debt_Consolidation   189498
SAIF202620114     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/28/2026 02/05/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $0 to $456.25, processing fee from 0 to $400, appraisal fee from $0 to $525, appraisal review fee from $0 to $9, automated valuation model from $0 to $12, credit report fee from $0 to $88.41, and flood cert from $0 to $7. The file contains only 2 LEs issued 11/14/2025 and 11/24/2025 and final CD issued at closing. Application date is 10/28/2025. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.    01/30/2026:     02/05/2026: 11/14/25 COC/LE disclosed the discount points increase from $0 to $500 and the appraisal increase from $50 to $650, Discount points were reduced due to a lock pricing change to $456.00 on 11/25/25.     02/05/2026: 02/02/2026: ***UDPATED EXCEPTION*** This loan failed the charges that cannot increase test. Discount points increased from $0 to $456.25, appraisal fee increased from $50 to $525, and appraisal review fee increased from $0 to $9. A cure of $9 provided on final CD cures a portion of exception, but there is still a tolerance violation of $931.25 to be addressed. Please provide a valid COC or additional cure of $931.25. 02/05/2026: CoCs provided trailing docs, exception cleared     73000.00 XX Primary Refinance Debt_Consolidation   189499
SAIF202620114     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/28/2026 02/02/2026 Cleared -Trailing Doc D A Compliance TRID   TThe loan failed the charges that cannot increase more than 10% test. Total charges increased from $0 to $425. The file contains only 2 LEs issued 11/14/2025 and 11/24/2025 and final CD issued at closing. Application date is 10/28/2025. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.    01/30/2026:   02/02/2026: Initial LEs provided in trailing docs, exception cleared.     73000.00 XX Primary Refinance Debt_Consolidation   189500
SAIF202620114     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 01/28/2026 02/02/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.    01/30/2026: Good thru 12/31/2026   02/02/2026: Provided in trailing docs, exception cleared.     73000.00 XX Primary Refinance Debt_Consolidation   189481
SAIF202620114     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 01/28/2026 02/02/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing current mortgage statement for 1st lien.    01/30/2026:   02/02/2026: Provided in trailing docs, exception cleared.     73000.00 XX Primary Refinance Debt_Consolidation   189483
SAIF202620114     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Service_Provider_List_DocExist 01/28/2026 02/03/2026 Cleared -Trailing Doc D A Compliance Documentation   File is missing Settlement Service Providers List disclosure.    01/30/2026: Please review as this is located on the LE and clear the condition.    02/03/2026: 02/02/2026: LE does not include the list of Settlement Service Providers, this is a separate disclosure. Exception remains open. 02/03/2026: Provided in trailing docs, exception cleared.     73000.00 XX Primary Refinance Debt_Consolidation   189492
SAIF202620114     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 01/28/2026 02/02/2026 Cleared -Trailing Doc D A Compliance Documentation   File is missing Servicing Disclosure.     01/30/2026: This is on the LE please clear the condition.   02/02/2026: Initial LE provided in trailing docs, exception cleared.     73000.00 XX Primary Refinance Debt_Consolidation   189493
SAIF202620114     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 01/28/2026 02/02/2026 Cleared -Trailing Doc D A Compliance Documentation   File is missing e-consent documentation. Electronic tracking form has no consent date.     01/30/2026:   02/02/2026: Provoded in trailing docs, exception cleared.     73000.00 XX Primary Refinance Debt_Consolidation   189494
SAIF202620114     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 01/28/2026 02/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial loan estimate delivery date test (from application).  The file contains only 2 LEs issued 11/14/2025 and 11/24/2025 and application date is 10/28/2025. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.    01/30/2026:   02/02/2026: Provided in trailing docs, exception cleared.     73000.00 XX Primary Refinance Debt_Consolidation   189495
SAIF202620114     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 01/28/2026 02/02/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. The filed contains only one CD issued 01/15/2026 and received on 01/16/2025 which is less than 3 days. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.    01/30/2026:   02/02/2026: Provided in trailing docs, exception cleared.     73000.00 XX Primary Refinance Debt_Consolidation   189496
SAIF202620144     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/26/2026 01/26/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.140% APR exceeds the 9.660% threshold to qualify for a safe harbor.         65000.00 XX Primary Refinance Debt_Consolidation   189277
SAIF202620144     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 01/26/2026 01/26/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         65000.00 XX Primary Refinance Debt_Consolidation   189279
SAIF202620144     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLIsExists 01/26/2026 02/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required E&O policy is missing.    01/26/2026: 01/26/2026: Seller provided a copy of the Warranty Cert and cover letter from settlement agent explaining it's position on an E&O policy.  ***UNDER CLIENT REVIEW*** 02/03/2026: Warranty Cert acceptable per guidelines, exception cleared.     65000.00 XX Primary Refinance Debt_Consolidation   189274
SAIF202620144     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 01/24/2026 01/29/2026 Rescinded D A Compliance Documentation   The Servicing Disclosure is missing from the loan file.   01/29/2026: iLE reflects Lender will service the loan. Review rescinds.     65000.00 XX Primary Refinance Debt_Consolidation   189269
SAIF202620085     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 12/30/2025 01/07/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 10.580%. The APR threshold to qualify for a safe harbor is 9.660%         120000.00 XX Primary Refinance CashOut_Other   22946
SAIF202620085     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 12/30/2025 01/07/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.580% APR exceeds the 9.660% threshold to qualify for a safe harbor.         120000.00 XX Primary Refinance CashOut_Other   22947
SAIF202620085     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseHOEPAHPMLHCMResult 01/07/2026 01/07/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         120000.00 XX Primary Refinance CashOut_Other   23378
SAIF202620085     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 12/30/2025 01/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Right to Cancel document.    01/09/2026: 01/09/2026: Seller provided the required RTC for the non-borrowing titled spouse in trailing docs.  Please also provide the RTC for the borrower. 01/09/2026: Both RTC were provided in trailing docs, exception cleared.     120000.00 XX Primary Refinance CashOut_Other   22945
SAIF202620085     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 12/31/2025 02/03/2026 Rescinded D A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $7.00, fees included in test are:  Flood Determination fee.     01/21/2026: Per our compliance department, The Flood Determination Fee would be considered a necessary and reasonable fee in making the loan. In originating loans,  it is necessary to determine if a loan’s subject property is located in a flood zone.       01/26/2026:     01/26/2026: Per our compliance department, The Flood Determination Fee would be considered a necessary and reasonable fee in making the loan. In originating loans,  it is necessary to determine if a loan’s subject property is located in a flood zone.       01/28/2026: Please review the upload and let us know if anything else is needed. 01/21/2026: Seller response: The flood determination fee would be considered necessary and reasonable fee in making the loan.      01/21/2026: OD Reply:  OD's compliance engine advises that under advice of legal counsel  in the state of Michigan, the Flood Cert Fee-Life of Loan is included in testing.  Flood Cert Fee-Initial Fee is excluded.  The flood cert in file reflects it is "Life of Loan."  Please provide evidence that the Flood Cert fee is Initial fee and not Life of Loan as reflected on the Flood Cert, for the fee to be excluded. 02/03/2026: Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan." Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.     120000.00 XX Primary Refinance CashOut_Other   23072
SAIF202620120     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/14/2026 01/14/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.958% APR exceeds the 9.760% threshold to qualify for a safe harbor.         50500.00 XX Primary Refinance Debt_Consolidation   23711
SAIF202620120     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseHOEPAHPMLHCMResult 01/14/2026 01/14/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         50500.00 XX Primary Refinance Debt_Consolidation   23746
SAIF202620120     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomesteadPropertyIndicator 01/14/2026 01/21/2026 Cleared -Trailing Doc D A Compliance Documentation   This loan is a Texas A6 Home Equity Loan and the file is missing the Acknowledgment of Fair Market Value.    01/16/2026:     01/20/2026: This has been uploaded please clear.   01/21/2026: Executed form provided in trailing docs, exception cleared.     50500.00 XX Primary Refinance Debt_Consolidation   23714
SAIF202620124     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 01/08/2026 02/03/2026 Waived D B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees included of $2639.09 exceed threshold of $1999.50 by $639.59.  Fees included in testing:  CPL $50, Flood Cert $7, Processing Fee $400,  Discount Pts $1786.22, Prepaid Int $45.87 and Settlement Fee $350.    01/29/2026: Good afternoon, so need to find out the remediation requirement and what is acceptable method of refund to borrower (I.E., Check or Principal Reduction).       01/30/2026: Good afternoon, so need to find out the remediation requirement and what is acceptable method of refund to borrower (I.E., Check or Principal Reduction).   02/03/2026: This has been downgraded and waived per Client directive.     66650.00 XX Primary Refinance Debt_Consolidation   23462
SAIF202620124     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 01/14/2026 01/14/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. The earliest dated CD in file was issued 12/22/2025 and the closing date was 12/23/2025 which is less than 3 days.    01/14/2026:   01/14/2026: iCD provided in trailing docs, exception cleared     66650.00 XX Primary Refinance Debt_Consolidation   23713
SAIF202620077     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 01/26/2026 01/26/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         195000.00 XX Primary Refinance Debt_Consolidation   189329
SAIF202620077     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 01/26/2026 01/29/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. The file contains only 1 CD issued 01/08/2026 and the closing date was 01/09/2026 which is less than 3 days. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.     01/28/2026: Good afternoon, Hopefully this helps   01/29/2026: iCD provided in trailing docs, exception cleared.     195000.00 XX Primary Refinance Debt_Consolidation   189330
SAIF202620077     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 01/26/2026 01/29/2026 Rescinded D A Compliance Documentation   Missing evidence the Servicing Disclosure was provided within 3 days of application date.   01/29/2026: iLE reflects Lender will service the loan.  Review rescinds.     195000.00 XX Primary Refinance Debt_Consolidation   189324
SAIF202620675     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomeownershipCounselingOrganizationsDisclosureInFileIndicator 05/08/2026 05/12/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Homeownership Counseling Organizations Disclosure from the file.    05/11/2026:   05/12/2026: Provided in trailing    05/12/2026:     201180.00 XX Primary Refinance Debt_Consolidation   200671
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 02/05/2026 02/06/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         92400.00 XX Primary Refinance CashOut_Other   189927
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 02/05/2026 02/13/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.959% APR exceeds the 9.69% threshold to qualify for a safe harbor. 02/13/2026: This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.959% APR exceeds the 9.750% threshold to qualify for a safe harbor.       92400.00 XX Primary Refinance CashOut_Other   189956
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 02/13/2026 02/13/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 9.959%. The APR threshold to qualify for a safe harbor is 9.750%         92400.00 XX Primary Refinance CashOut_Other   190398
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the most recent mortgage statement or pay history details for the senior lien to validate that taxes and insurance are escrowed as required for HPML loans.    02/09/2026:   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189929
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1LegalDescription 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Exhibit A (Legal Description) of the Deed of Trust.    02/09/2026:   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189889
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalCost 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Appraisal Invoice.    02/09/2026:   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189890
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the UCDP Reports for Fannie Mae and Freddie Mac to validate the CU score and Rep and Warrant Relief Eligibility.    02/09/2026:     02/09/2026:     02/09/2026:   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189892
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_TPOL_Status 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the title search, title commitment, or final title policy.    02/09/2026:   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189894
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerWOE 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Credit Income   Per the WVOI in file, the Borrower's (XXXX) employment was inactive as 09/26/2025. OD was unable to locate evidence of active employment/income for the Borrower.    02/09/2026:   02/13/2026: Current paystubs were provided in trailing docs to validate current income/employment.     92400.00 XX Primary Refinance CashOut_Other   189898
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the W-2's for the prior two years for the Borrower (XXXX).    02/09/2026:   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189899
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerAwardOfferLetter 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of the Co-Borrower's (XXXX) VA Benefits income.    02/09/2026:   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189900
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C for the Borrower and Co-Borrower.    02/09/2026:   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189902
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the paystubs covering the most recent 30-day period for the Borrower (XXXX).    02/09/2026:   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189904
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetIncomeNotes 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Lender's Income Calculation Worksheet.    02/09/2026:     02/09/2026:   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189906
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance FACTADeliveryDate 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the FACTA disclosure.    02/09/2026:   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189909
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance RightToReceiveAppraisal_DocExist 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Right to Receive Appraisal disclosure.    02/09/2026:   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189911
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_SignDate 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing evidence of Servicing Disclosure provided within 3 business days of application. Document in file is dated 01/07/2026 and loan application date is 12/22/2025.     02/09/2026:     02/09/2026: Page 3 of the loan estimate has the servicing disclosure.   02/13/2026: Provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189913
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance LE_Final_TRIDDisclosureDateRateWasSet 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Compliance Documentation   The rate lock agreement in the file is dated 01/14/2026; however, the LE in file dated 01/07/2026 shows the rate is locked. Please provide documentation to validate the rate lock date. 02/13/2026: The iLE issued on 12/22/2025 provided in trailing indicates the rate was locked. The application date was 12/22/2025. OD used the iLE as evidence of the rate lock date. 02/13/2026: iLE provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189914
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial loan estimate delivery date test (from application).  Missing LE disclosed within 3 days of application date of 12/22/2025. The file contains only 1 LE issued 01/07/2026 and 1 CD issued 01/16/2026. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.    02/09/2026:   02/13/2026: iLE provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189920
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/05/2026 02/17/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains only 1 CD issued 01/16/2026 and received 01/21/2026 which is less than 3 business days from closing. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs. 02/13/2026: The additional CDs provided in trailing docs issued on 01/14/2026 were not executed by the borrowers. Additionally, OD is unable to validate how the CDs were sent as there is no evidence of electronic delivery, or other method of delivery. Please provide evidence of delivery to the borrowers and borrower receipt. 02/17/2026: iCD provided in trailing docs     92400.00 XX Primary Refinance CashOut_Other   189922
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $850.08. The Loan Origination Fee increased from $0 to $400. The Appraisal Fee increased from $0 to $475. The Credit Report Fee increased from $0 to $88.41. Valid COC or cure of $1813.49 required. The file contains only 1 LE issued 01/07/2026 and 1 CD issued 01/16/2026. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.    02/12/2026:   02/13/2026: CoC provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189923
SAIF202620327     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 02/05/2026 02/13/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $0 to 701.  Valid COC or cure of $701 required. The file contains only 1 LE issued 01/07/2026 and 1 CD issued 01/16/2026. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.    02/12/2026:   02/13/2026: CoC provided in trailing docs.     92400.00 XX Primary Refinance CashOut_Other   189924
SAIF202620538     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 03/24/2026 03/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Notice of Right to Cancel for the Borrower. The Right to Cancel for the Non-Borrowing Spouse was in the file.    03/27/2026:   03/27/2026: Provided in trailing docs     35000.00 XX Primary Refinance Debt_Consolidation   192540
SAIF202620538     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/25/2026 04/03/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.    04/02/2026:   04/03/2026: MHELP provided in trailing docs     35000.00 XX Primary Refinance Debt_Consolidation   192607
SAIF202621236     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/19/2026 05/22/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.    05/21/2026:   05/22/2026: Transaction Cert provided in trailing     40000.00 XX Primary Refinance Debt_Consolidation   202543
SAIF202621236     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 05/19/2026 05/22/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.    05/21/2026:   05/22/2026: Provided trailing     40000.00 XX Primary Refinance Debt_Consolidation   202546
SAIF202621236     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/19/2026 05/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $620 to $1,050. Total violation is $430. The post closing CD reflects a tolerance cure of $430, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $552.20, therefore the cure is insufficient. Additional cure of $122.20 to clear total violation or CoC required.    05/27/2026: A lender credit of $430 was applied to the borrower's final CD for the increase to the appraisal fee.      05/27/2026: Baseline 10% fees were $628, plus 10% = $690.80.  Final CD 10% fees were $318.  10% fees did not increase.   05/28/2026: Seller rebracketed and renamed title fees on the 04/28 CD which triggered the 10% tolerance exception.  Since the fee names changed without increase the baseline amount, compliance retested using the fee name change as a valid CoC, exception cleared.     40000.00 XX Primary Refinance Debt_Consolidation   202563
SAIF202621236     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/19/2026 05/28/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $178 to $318. Total violation is $122.20. The post closing CD reflects a tolerance cure of $430, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $552.20, therefore the cure is insufficient. Additional cure of $122.20 to clear total violation or CoC required.    05/27/2026: :  A lender credit of $430 was applied to the borrower's final CD for the increase to the appraisal fee.   05/28/2026: Seller rebracketed and renamed title fees on the 04/28 CD which triggered the 10% tolerance exception.  Since the fee names changed without increase the baseline amount, compliance retested using the fee name change as a valid CoC, exception cleared.     40000.00 XX Primary Refinance Debt_Consolidation   202564
SAIF202621191     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/07/2026 05/07/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         32500.00 XX Primary Refinance CashOut_Other   200421
SAIF202621191     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/07/2026 05/07/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.258% APR exceeds the 9.480% threshold to qualify for a safe harbor.         32500.00 XX Primary Refinance CashOut_Other   200422
SAIF202621191     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 05/07/2026 05/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.    05/08/2026:   05/12/2026: Provided in trialing     32500.00 XX Primary Refinance CashOut_Other   200290
SAIF202621191     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/07/2026 05/15/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $271.38 and the Credit Report Fee increased from $66 to $122.  Total violation is $327.38. The final CD reflects a tolerance cure of $71.85, however it is insufficient to cure the total violation. Valid CoC or additional cure of $255.53 required.    05/14/2026: COC / LE sent on 3/17 disclosing discount points being added to the loan file.  Value decreased and pricing changed, adding discount points.   A lender cure was added for $56.35 due to the increase to the credit report fee and this was present on the final CD   05/15/2026: CoC provided in trailing     32500.00 XX Primary Refinance CashOut_Other   200296
SAIF202621379     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/11/2026 05/11/2026 Waived B B Compliance HPML   This loan failed the MD COMAR higher-priced mortgage loan test.         82000.00 XX Primary Refinance Debt_Consolidation   200879
SAIF202621379     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/11/2026 05/11/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.991% APR exceeds the 9.620% APR threshold to qualify for a safe harbor.         82000.00 XX Primary Refinance Debt_Consolidation   200880
SAIF202621379     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLPriorLiensMonthlyTotal 05/12/2026 05/19/2026 Cleared -Trailing Doc D A Credit Documentation   Missing mortgage pay statement for the first lien to verify monthly PMI amount included in the payment.  Per credit report, first lien is an FHA loan.  Lender qualifying payment for the first lien does not match the credit report reported monthly amount nor the first lien note amount (which reflects only P&I).    05/15/2026:   05/19/2026: Provided, trailing     82000.00 XX Primary Refinance Debt_Consolidation   201152
SAIF202621379     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1IsPagesGood 05/07/2026 05/19/2026 Cleared -Trailing Doc D A Credit Documentation   Page 7 of the Deed of Trust is not completed.    05/15/2026:   05/19/2026: Provided, trailing     82000.00 XX Primary Refinance Debt_Consolidation   200270
SAIF202621379     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/07/2026 05/19/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.    05/18/2026:   05/19/2026: Provided, trailing     82000.00 XX Primary Refinance Debt_Consolidation   200272
SAIF202621379     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerOtherIncome 05/07/2026 05/22/2026 Cleared -Trailing Doc D A Credit Income   Missing documentation for Pension Income used to qualify the borrower.    05/20/2026:     05/20/2026:   05/22/2026: provided trailing     82000.00 XX Primary Refinance Debt_Consolidation   200274
SAIF202621379     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomeownershipCounselingOrganizationsDisclosureInFileIndicator 05/07/2026 05/19/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing Homeownership Counseling Organizations Disclosure.    05/15/2026:   05/19/2026: Provided, trailing     82000.00 XX Primary Refinance Debt_Consolidation   200276
SAIF202621379     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_Date 05/07/2026 05/19/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.    05/15/2026:   05/19/2026: Provided, trailing     82000.00 XX Primary Refinance Debt_Consolidation   200278
SAIF202621379     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationBEDTI1008 05/07/2026 05/22/2026 Cleared -Trailing Doc D A Credit Documentation   DTI of 66.344%/96.942% exceeds 50% max allowable per guidelines.  Income calculation used by lender is not supported by documentation in file. Lender used Pension income for borrower of $5600 however amount was not documented.   05/22/2026: Pension documentation provided in trailing, review calculated DTI is 45.009% and less than 1% variance of lender calculated. exception cleared     82000.00 XX Primary Refinance Debt_Consolidation   200279
SAIF202621379     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1LegalDescription 05/11/2026 05/27/2026 Cleared -Trailing Doc D A Credit Documentation   Deed of Trust is missing the Legal Description "Exhibit A."    05/27/2026:   05/27/2026: Provided trailing     82000.00 XX Primary Refinance Debt_Consolidation   200876
SAIF202621379     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CreditHistoryMetGuidelines 05/11/2026 05/22/2026 Cleared -Trailing Doc C A Credit Guidelines   The credit report reflects 5 paid charge offs and multiple delinquencies, including 60 day lates, on an installment account in the prior 24 months.    05/15/2026:   05/22/2026: LOX provided in trailing     82000.00 XX Primary Refinance Debt_Consolidation   200877
SAIF202621379     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/11/2026 05/22/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Credit Report Fee increased from $66 to $122 and the Transfer Taxes increased from $1050 to $1148. Total violation of $154. The final CD reflected a tolerance cure of $97.35, however it is insufficient to cure the total violation. Valid CoC or additional cure of $56.65 required.    05/21/2026:   05/22/2026: CoC provided in trailing     82000.00 XX Primary Refinance Debt_Consolidation   200878
SAIF202621727     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalNotes 05/07/2026 05/12/2026 Cleared -Trailing Doc D A Valuation Documentation   File is missing a copy of the appraisal or other valuation model used to qualify.    05/11/2026:   05/12/2026: Provided in trailing     42000.00 XX Primary Refinance CashOut_Other   200531
SAIF202621727     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/07/2026 05/19/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.    05/18/2026:   05/19/2026: Provided, trailing     42000.00 XX Primary Refinance CashOut_Other   200534
SAIF202621727     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance E-Consent_DocExist 05/08/2026 05/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.    05/11/2026:   05/12/2026: Provided in trailing     42000.00 XX Primary Refinance CashOut_Other   200555
SAIF202622760     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalOrigAppraisedValue 07/22/2026 07/30/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing a property valuation report from the file. An appraisal, AVM, desktop valuation or other valuation report was not located in the file.    07/29/2026: 07/30/2026: provided trailing       45000.00 XX Primary Refinance Debt_Consolidation   213085
SAIF202622760     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance EligibilityAcceptanceCLTV_Difference 07/27/2026 07/30/2026 Cleared -Trailing Doc D A Credit CLTV   The LTV/CLTV cannot be validated due to missing documentation. Upon receipt of the property valuation report, the LTV/CLTV will be reviewed. 07/30/2026: Appraisal provided in trailing, no LTV/CLTV issues.       45000.00 XX Primary Refinance Debt_Consolidation   213647
SAIF202622760     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/27/2026 08/03/2026 Cleared -Trailing Doc D A Compliance TRID   Change of circumstance in file with change date of 06/11/2026.  Corresponding LE dated 06/16/2026 is not within 3 business days of change date.      07/29/2026: The date of 6/11/2026 was Thursday 3 business days makes it 6/16/2026. Please clear the condition.    08/03/2026: 07/30/2026: During the initial kick-off call and setup of the project, OD asked XXXX if Saturday is considered a business day for disclosure testing and it was advised/confirmed that Saturday is included.  The system has been set up to include Saturday's as a business day for compliance testing for almost 1 year.  Therefore, including Saturday as a business day makes 06/16 the fourth business day.   If policy has changed please advise as our settings for all of Planet will need to be reset.    08/03/2026: Seller states they do not consider Saturday as a business day and requests our settings be updated per email dated 08/03/2026.  OD compliance settings for XXXX updated, compliance retested, exception cleared.       45000.00 XX Primary Refinance Debt_Consolidation   213651
SAIF202621867     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/19/2026 05/19/2026 Waived B B Compliance HPML   This loan failed the MD COMAR higher-priced mortgage loan test.         80000.00 XX Primary Refinance Debt_Consolidation   202519
SAIF202621867     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/19/2026 05/19/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 11.835 % APR exceeds the 9.870 % threshold to qualify for a safe harbor.         80000.00 XX Primary Refinance Debt_Consolidation   202521
SAIF202621867     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 05/19/2026 06/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.    06/02/2026:   06/09/2026: Provided trailing     80000.00 XX Primary Refinance Debt_Consolidation   202469
SAIF202621867     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerName 05/19/2026 06/10/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the credit report for the co-borrower.    05/27/2026:     06/10/2026: Report has both borrowers 06/09/2026: CB credit report not uploaded    06/10/2026: provided trailing       80000.00 XX Primary Refinance Debt_Consolidation   202479
SAIF202621867     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 05/19/2026 06/09/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.    05/26/2026:   06/09/2026: provided trailing     80000.00 XX Primary Refinance Debt_Consolidation   202489
SAIF202621867     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/19/2026 06/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $1,719 to $1,964, the Appraisal Fee increased from $590 to $600 and and Credit Report Fee increased from $131 to $366. Total violation was $490. The lender provided a tolerance cure of $244.70 on the final CD however it is insufficient for total cure. Valid CoC or additional cure of $245.30 is required.    05/26/2026:   06/09/2026: CoC provided in trailing     80000.00 XX Primary Refinance Debt_Consolidation   202492
SAIF202621867     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceFEDTI_Difference 05/19/2026 06/09/2026 Cleared -Trailing Doc D A Credit Documentation   The 1008 in file does not reflect the final loan amount and PI payment per the Note. Please provide updated 1008 to reflect the final terms of the loan.    05/27/2026:   06/09/2026: provided in trailing     80000.00 XX Primary Refinance Debt_Consolidation   202514
SAIF202621867     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomeownershipCounselingOrganizationsDisclosureInFileIndicator 05/19/2026 06/09/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Homeownership Counseling Organizations disclosure from the file.    05/26/2026:   06/09/2026: provided trailing     80000.00 XX Primary Refinance Debt_Consolidation   202516
SAIF202621914     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/30/2026 07/30/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         262000.00 XX Primary Refinance Debt_Consolidation   214479
SAIF202621914     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/30/2026 07/30/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 10.857%. The APR threshold to qualify for a safe harbor is 9.820%.         262000.00 XX Primary Refinance Debt_Consolidation   214480
SAIF202621914     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/30/2026 07/30/2026 Waived B B Compliance QM   This loan failed the QM APR Threshold test.  The loan has an APR of 10.857% and the QM APR threshold is  9.820%.         262000.00 XX Primary Refinance Debt_Consolidation   214523
SAIF202622200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance CT22_TPOL_Status 06/16/2026 07/01/2026 Cleared -Trailing Doc D A Credit Documentation   The Final Title Policy or Title Search work and Transactional Certification are missing from the loan file.    06/18/2026:     06/30/2026: 06/18/2026: Transaction Cert provided in trailing but we also need the Title Search work.  Thank you    07/01/2026: provided trailing       60000.00 XX Primary Refinance Debt_Consolidation   206514
SAIF202622200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance TPOLSeniorLoanAmount 06/16/2026 06/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the most recent Mortgage Statement for the 1st lien to validate current UPB.    06/26/2026: 06/27/2026: Provided trailing       60000.00 XX Primary Refinance Debt_Consolidation   206517
SAIF202622200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalCost 06/16/2026 06/18/2026 Cleared -Trailing Doc D A Valuation Documentation   The appraisal invoice is missing from the loan file.    06/18/2026: 06/18/2026: provided trailing       60000.00 XX Primary Refinance Debt_Consolidation   206524
SAIF202622200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalDeliveryDate 06/16/2026 06/18/2026 Cleared -Trailing Doc D A Valuation Documentation   The appraisal delivery date documentation is missing from the file.    06/18/2026: 06/18/2026: provided trailing       60000.00 XX Primary Refinance Debt_Consolidation   206525
SAIF202622200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 06/16/2026 06/22/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing Pay Stubs for borrower covering the most recent 30-day period as required by guidelines.  No income docs were located in the file.    06/22/2026: 06/22/2026: Provided trailing       60000.00 XX Primary Refinance Debt_Consolidation   206529
SAIF202622200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/16/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 Statements for the borrower covering the most recent 2 year period as required by guidelines. No income docs were located in the file.    06/22/2026:     07/07/2026:     07/08/2026: 06/22/2026: Seller provided written VOE and paystubs in trailing, however, the W2s are missing as required by guidelines.    07/08/2026: Seller uploaded 2 copies of the borrower's 2025 W2.  The 2024 W2 is needed as well per guidelines and lender income calculation worksheet reflects data from both W2s.    07/09/2026: FNMA Written VOE form showing income from 2024 2025 and YTD provided in trailing.  Meets clien guidelines.       60000.00 XX Primary Refinance Debt_Consolidation   206530
SAIF202622200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance Income_EmploymentStartDate 06/16/2026 06/22/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing.  No income docs were located in the file.    06/22/2026: 06/22/2026: provided trailing       60000.00 XX Primary Refinance Debt_Consolidation   206531
SAIF202622200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 06/17/2026 06/18/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the UCDP Reports (Fannie Mae and Freddie Mac) to determine the CU Score and Rep and Warrant Relief Eligibility.    06/18/2026: 06/18/2026: provided trailing       60000.00 XX Primary Refinance Debt_Consolidation   206603
SAIF202622200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance Service_Provider_List_DocExist 06/17/2026 06/18/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List Disclosure.    06/18/2026: 06/18/2026: provided trailing       60000.00 XX Primary Refinance Debt_Consolidation   206606
SAIF202622200     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTILAResult 06/17/2026 06/18/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in the file was issued 05/28/2026 and the closing date was 05/29/2026, which is less than 3 days.    06/18/2026: 06/18/2026: CDs provided in trailing       60000.00 XX Primary Refinance Debt_Consolidation   206610
SAIF202622069     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 06/18/2026 06/18/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         38300.00 XX Primary Refinance Debt_Consolidation   206854
SAIF202622069     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 06/18/2026 06/18/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.781 % APR exceeds the 9.200 % threshold to qualify for a safe harbor.         38300.00 XX Primary Refinance Debt_Consolidation   206855
SAIF202622116     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/08/2026 07/08/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         90000.00 XX Primary Refinance Debt_Consolidation   210022
SAIF202622116     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/08/2026 07/08/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.884 % APR exceeds the 9.820 % threshold to qualify for a safe harbor.         90000.00 XX Primary Refinance Debt_Consolidation   210024
SAIF202622116     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1LegalCounty 07/08/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Exhibit A Legal Description of the Mortgage from the file.    07/08/2026: 07/09/2026: Provided in trailing       90000.00 XX Primary Refinance Debt_Consolidation   209990
SAIF202622116     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1IsPUDRider 07/08/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the PUD Rider for the subject loan. The file only contains the PUD Rider for the senior lien.    07/08/2026: 07/09/2026: Provided in trailing       90000.00 XX Primary Refinance Debt_Consolidation   209991
SAIF202622116     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 07/08/2026 07/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.    Review unable to validate the ratios used to qualify the loan.    07/09/2026: 07/09/2026: Provided trailing       90000.00 XX Primary Refinance Debt_Consolidation   209995
SAIF202622131     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 06/18/2026 06/18/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan has a CU Score of 4 and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive.         70000.00 XX Primary Refinance Debt_Consolidation   206800
SAIF202622131     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 06/18/2026 06/18/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.229 % APR exceeds the 9.820 % threshold to qualify for a safe harbor.         70000.00 XX Primary Refinance Debt_Consolidation   206820
SAIF202622131     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 06/18/2026 06/18/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         70000.00 XX Primary Refinance Debt_Consolidation   206821
SAIF202622131     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEasePoliciesResult 06/18/2026 06/18/2026 Waived B B Compliance State Violation   This loan failed the NC Rate Spread Home Loan Test.         70000.00 XX Primary Refinance Debt_Consolidation   206822
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing Fannie Mae/Freddie Mac UCDP SSR Reports to determine the CU score and Rep and Warranty Eligibility.    07/17/2026: 07/21/2026: Both reports provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   210584
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing Pay Stubs for the Borrower covering the most recent 30-day period as required by guidelines.    07/17/2026: 07/21/2026: provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   210586
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 Statements for the Borrower covering the most recent 2 year period as required by guidelines.    07/17/2026: 07/21/2026: provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   210587
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance Income_EmploymentStartDate 07/10/2026 07/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing for the Borrower.    07/17/2026:     07/22/2026: 07/21/2026: trailing docs provided did not include the 10-day VOE for the borrower.  The Co-borrower's was provided but still missing the Borrower's.  A written VOI provided for the borrower is more than 10-days of closing.    07/27/2026: provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   210588
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTILAResult 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 06/24/2026 and the closing date was 06/25/2026 which is less than 3 days. Provide all CDs disclosed to the borrower(s).    07/17/2026: 07/21/2026: LEs, CDs and CoCs provided in trailing, compliance rerun, exception cleared       149999.00 XX Primary Refinance Debt_Consolidation   210590
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTILAResult 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial loan estimate delivery date test (from application).  The Initial LE was not provided to borrower within 3 business days of the application date of 05/19/2026.  The only LE in the file was issued on 06/01/2026. Provide all LE's disclosed to the borrower(s).    07/17/2026: 07/21/2026: LEs, CDs and CoCs provided in trailing, compliance rerun, exception cleared       149999.00 XX Primary Refinance Debt_Consolidation   210591
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Loan Discount Fee increased from $0 to $2269.48, Processing Fee increased from $0 to $400, Appraisal Fee increased from $0 to $685, Credit Report Fee increased from $0 to $126.34, Flood Cert Fee increased from $0 to $7 and Transfer Taxes increased from $0 to $2100. Total violation is $5587.82. The final CD reflects a tolerance cure of $95, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $6127.82, therefore the cure is insufficient. Additional cure of $6032.82 to clear total violation or CoC required    07/17/2026: 07/21/2026: LEs, CDs and CoCs provided in trailing, compliance rerun, exception cleared       149999.00 XX Primary Refinance Debt_Consolidation   210592
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $0 to $540. Total violation is $540. The final CD reflects a tolerance cure of $95, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $6127.82, therefore the cure is insufficient. Additional cure of $6032.82 to clear total violation or CoC required.    07/17/2026: This is the tracking for the 6/24/2026 CD 07/21/2026: LEs, CDs and CoCs provided in trailing, compliance rerun, exception cleared       149999.00 XX Primary Refinance Debt_Consolidation   210593
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan failed the MD  DTI provided test.  Income documents are missing from the file.  Compliance testing incomplete and will be retested upon all citing missing documents, provided.    07/17/2026: 07/21/2026: Income docs, LEs, CDs and CoCs provided in trailing, compliance rerun, exception cleared       149999.00 XX Primary Refinance Debt_Consolidation   210594
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ApplicationDocStatus 07/14/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the final 1003 Loan Application for the Borrower.    07/17/2026: 07/21/2026: provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   211215
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ApplicationDocStatus 07/14/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the final 1003 Loan Application for the Co-Borrower.    07/17/2026: 07/21/2026: provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   211216
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalCost 07/14/2026 07/21/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the Invoice for the Appraisal.    07/17/2026: 07/21/2026: provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   211219
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance Income_EmploymentStartDate 07/14/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing VOE dated within 10 days of closing for the Co-Borrower.    07/17/2026: 07/21/2026: provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   211220
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomeNumberOfPaystubs 07/14/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing Pay Stubs for the Co-Borrower covering the most recent 30-day period as required by guidelines.    07/17/2026: 07/21/2026: provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   211221
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 07/14/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 Statements for the Co-Borrower covering the most recent 2 year period as required by guidelines.    07/17/2026: 07/21/2026: Only the 2025 W2 was provided for the Co-Borrower, please provide the 2024 W2.    07/21/2026: 2024 W3 provided in trailing       149999.00 XX Primary Refinance Debt_Consolidation   211222
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncome4506Indicator 07/14/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C for the Co-Borrower.    07/17/2026: 07/21/2026: provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   211223
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance CreditHistoryFraudReportRedFlags 07/14/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence that the Red Flags were cleared for Participants name being on the High Risk Watchlist and the Borrower stating they have had no ownership in a property other than the subject  property in the last 3 years while other property ownership information was found on the Fraud report.    07/17/2026: 07/21/2026: provided trailing       149999.00 XX Primary Refinance Debt_Consolidation   211225
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance RatiosCountedAllIncome 07/14/2026 07/21/2026 Cleared -Trailing Doc D A Compliance ATR   The DTI could not be validated due to missing income documentation. Upon receipt of the missing documents, the DTI will be calculated and the borrower's ability to repay will be assessed.    07/17/2026: Income docs have been uploaded. 07/21/2026: Income docs provided in trailing       149999.00 XX Primary Refinance Debt_Consolidation   211230
SAIF202622701     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseQMBorrowerIncomeAndAssetsAccurateAndVerifiedIndicator 07/14/2026 07/21/2026 Cleared -Trailing Doc D A Compliance ATR   Review unable to determine if income and assets were accurately verified by the Lender due to missing income documentation from the file.    07/17/2026: Income docs have been uploaded. 07/21/2026: trailing docs provided       149999.00 XX Primary Refinance Debt_Consolidation   211231
SAIF202622296     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/08/2026 07/08/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         60000.00 XX Primary Refinance Debt_Consolidation   210036
SAIF202622296     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/08/2026 07/08/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.543 % APR exceeds the 9.40 % threshold to qualify for a safe harbor.         60000.00 XX Primary Refinance Debt_Consolidation   210037
SAIF202622241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ManufacturedHousingHUDCodeComplianceIndicator 07/15/2026 08/03/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing HUD Data Plate or Label Verification Letter     08/03/2026: 08/03/2026: provided trailing       28000.00 XX Primary Refinance CashOut_Other   211611
SAIF202622241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceHazardAnnualPremium 07/15/2026 08/03/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of homeowners' insurance from the file. The certificate of liability insurance provided doesn't contain the dwelling coverage or annual premium.    08/03/2026: 08/03/2026: provided       28000.00 XX Primary Refinance CashOut_Other   211612
SAIF202622241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance Service_Provider_List_DocExist 07/16/2026 08/03/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the Service Provider List Disclosure.    08/03/2026: 08/03/2026: provided trailing       28000.00 XX Primary Refinance CashOut_Other   211860
SAIF202622241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseQMHomeownershipCounselingOrganizationsDisclosureInFileIndicator 07/16/2026 08/03/2026 Cleared -Trailing Doc D A Compliance Documentation   The Homeownership Counseling Organization Disclosure File is missing from the loan file.    08/03/2026: 08/03/2026: provided trailing       28000.00 XX Primary Refinance CashOut_Other   211861
SAIF202622241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance Mortgage1IsManufacturedHomeRider 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Manufactured Home Rider from the file. The Manufactured Home Rider provided is for the senior lien from 11/02/2022.    08/03/2026: 08/03/2026: Subject rider provided in trailing docs       28000.00 XX Primary Refinance CashOut_Other   212991
SAIF202622241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance Mortgage1IsOtherRider 07/22/2026 08/06/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Manufactured Home Affidavit and Affixation Rider from the file. The Manufactured Home Affidavit of Affixation Rider provided is for the senior lien from 11/02/2022.    08/03/2026:     08/05/2026: 08/03/2026: Unexecuted copy provided in trailing docs.  Please provide copy of fully executed and notarized copy.    08/06/2026: Provided trailing       28000.00 XX Primary Refinance CashOut_Other   212992
SAIF202622241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance Mortgage1IsOtherRider 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the MERS Rider from the file. The MERS Rider provided is for the senior lien from 11/02/2022.    08/03/2026: 08/03/2026: subject  rider provided in trailing       28000.00 XX Primary Refinance CashOut_Other   212993
SAIF202622241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalNotes 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing a property valuation from the file. Review did not locate an AVM, desktop valuation, 1004C appraisal, or any other valuation model in the file.    08/03/2026: 08/03/2026: AVM provided trailing       28000.00 XX Primary Refinance CashOut_Other   212999
SAIF202622241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance CreditHistoryFraudReportRedFlags 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Credit Documentation   Missing evidence that the Lender addressed, and cleared, the following red flags on the Fraud Report: participant(s) to the loan appearing on the high risk watchlist and the mailing address appearing on the PropertyVerify report not matching the subject property address.    08/03/2026: 08/03/2026: Updated fraud report provided       28000.00 XX Primary Refinance CashOut_Other   213011
SAIF202622241     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance EligibilityAcceptanceCLTV_Difference 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Valuation Value   Review is unable to validate the LTV/CLTV. Upon receipt of the property valuation(s), LTV/CLTV will be reviewed.    08/03/2026: 08/03/2026: AM provided, no LTV/CLTV issue       28000.00 XX Primary Refinance CashOut_Other   213018
SAIF202622451     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalNotes 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing a property valuation report. Review did not locate an AVM, appraisal, or desktop valuation in the file.    08/03/2026: 08/03/2026: provided trailing       30000.00 XX Primary Refinance CashOut_Other   213140
SAIF202622451     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ManufacturedHousingHUDCodeComplianceIndicator 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing HUD Data Plate or Label Verification Letter and the property is a manufactured home.    08/03/2026: 08/03/2026: provided       30000.00 XX Primary Refinance CashOut_Other   213141
SAIF202622451     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance Service_Provider_List_DocExist 07/22/2026 08/03/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing Settlement Service Providers List    08/03/2026: 08/03/2026: provided trailing       30000.00 XX Primary Refinance CashOut_Other   213143
SAIF202622451     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance InsuranceHazardInsuranceDocStatus 07/27/2026 08/03/2026 Cleared -Trailing Doc D A Credit Documentation   Missing a Hazard Insurance policy that was in effect at the time of closing. The policy provided in the file was in effect from 12/18/2020 - 12/18/2021.    08/03/2026: 08/03/2026: provided trailing       30000.00 XX Primary Refinance CashOut_Other   213665
SAIF202623152     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 08/04/2026 08/05/2026 Waived B B Compliance TRID   This loan failed the higher-priced mortgage loan test         60000.00 XX Primary Refinance Debt_Consolidation   215396
SAIF202623152     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 08/04/2026 08/05/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 12.295%. The APR threshold to qualify for a safe harbor is  9.990%.         60000.00 XX Primary Refinance Debt_Consolidation   215397
SAIF202623152     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 08/04/2026 08/06/2026 Waived B B Compliance State Violation   This loan failed the TX prohibited fees test by $69.  Fees included in the test:  Title Certification Fee paid by Lender.   Per Client email, under attorney guidance if fees are in fact paid by the lender this should not give rise to an issue or violation.  Exclusion of the Title Cert fee paid by the lender, would result in no violation.  Waived.         60000.00 XX Primary Refinance Debt_Consolidation   215399
SAIF202623152     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomesteadPropertyIndicator 08/05/2026 08/10/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing an executed TX Home Equity Fair Market Value Acknowledgment as required for TX A6 loans.  Copy in file is not executed by the borrowers and the lender.    08/10/2026: 08/10/2026: provided trailing       60000.00 XX Primary Refinance Debt_Consolidation   215447
SAIF202623191     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 08/12/2026 08/12/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of   10.071%. The APR threshold to qualify for a safe harbor is  10.030%.         110000.00 XX Primary Refinance Debt_Consolidation   216805
SAIF202623191     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 08/12/2026 08/12/2026 Waived B B Compliance QM   his loan failed the QM APR test.  The loan has an APR of 10.071% and the QM APR Threshold is 10.030%.         110000.00 XX Primary Refinance Debt_Consolidation   216806
SAIF202623191     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 08/12/2026 08/12/2026 Waived B B Compliance TRID   This loan failed the higher-priced mortgage loan test         110000.00 XX Primary Refinance Debt_Consolidation   216807
SAIF202623191     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 08/12/2026 08/18/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Mortgage Statement for 1st lien    08/12/2026: 08/18/2026: provided trailing       110000.00 XX Primary Refinance Debt_Consolidation   216796
SAIF202623191     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 08/12/2026 08/27/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.     08/14/2026:     08/26/2026: 08/18/2026: Seller provided the title company's liability insurance, what is needed is the Transactional Certificate for the subject loan.    08/27/2026: Provided trailing       110000.00 XX Primary Refinance Debt_Consolidation   216797
SAIF202623295     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 08/19/2026 08/20/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         58800.00 XX Primary Refinance CashOut_Other   218143
SAIF202623295     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/19/2026 08/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial loan estimate delivery date test (from application).  The only LE in the file was issued on 07/28/2026 and the application date is 07/15/2026.      08/25/2026: 08/27/2026: LE provided trailing       58800.00 XX Primary Refinance CashOut_Other   218145
SAIF202623295     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/19/2026 08/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test.  Fees increased from $0 to $956.50. Total violation is $956.50. The final CD reflects a tolerance cure of $438.94, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $2525.32, therefore the cure is insufficient. Additional cure of $2086.38 to clear total violation.  Any CoC issued will not be considered valid due to iLE not disclosed within 3 days of application.    08/26/2026: See provided signed initial LE disclosed within 3 days of application.  Redo your testing and advise 08/27/2026: LE, CD and CoC provided trailing       58800.00 XX Primary Refinance CashOut_Other   218149
SAIF202623295     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 08/19/2026 08/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $0 to $417.48, Origination Fee increased from $0 to $200; Appraisal Fee increased from $0 to $575; Credit Report Fee increased from $0 to $126.34; and Doc Prep Fee increased from $0 to $250. Total Violation is $1568.82. The final CD reflects a tolerance cure of $438.94, however, the loan fails both the 0% and 10% tolerance tests for a combined total of $2525.32, therefore the cure is insufficient. Additional cure of $2086.38 to clear total violation.  Any CoC issued will not be considered valid due to iLE not disclosed within 3 days of application.    08/25/2026: 08/27/2026: CD and CoC provided trailing       58800.00 XX Primary Refinance CashOut_Other   218150
SAIF202623295     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 08/20/2026 08/27/2026 Cleared -Trailing Doc D A Compliance State Violation   This loan fails the TX Constitution A6 Required Fees Test. Total fees of $1197.82 exceed the $1176 threshold. Borrower paid fees included in testing: Credit Report $126.34, Document Prep $250, Origination Fee $200, Discount Fee $417.48, Recording Fee $202 and Title Policy Guaranty (TX) $2. There were no Lender paid fees included in testing.    08/26/2026: the 2% test applies to fees paid by the borrower, the fees paid by the Lender would not be included in the 2% test. See attached of our passing mavent compliance 2% test. 08/27/2026: CD and CoC provided in trailing docs.  Exception cleared.       58800.00 XX Primary Refinance CashOut_Other   218273
SAIF202623295     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMIsPriorTexasEquity 08/20/2026 08/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing required TX A6 document - Review did not locate the TX Acknowledgement of Fair Market Value.     08/25/2026: 08/27/2026: Executed copy provided trailing       58800.00 XX Primary Refinance CashOut_Other   218275
SAIF202623295     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 08/20/2026 08/27/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID Rate Lock Disclosure Delivery  Date Test.  The file contains only 1 Loan Estimate dated 07/28/2026 reflecting the rate was locked.  Lock information in the file reflects the rate was locked on 07/15/2026.  There is no corresponding LE in file.    08/25/2026: 08/27/2026: LE provided in trailing docs       58800.00 XX Primary Refinance CashOut_Other   218276
SAIF202623295     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMIsPriorTexasEquity 08/20/2026 08/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing required TX A6 document - Notice Concerning Extensions of Credit     08/25/2026: 08/27/2026: Executed copy provided trailing       58800.00 XX Primary Refinance CashOut_Other   218300
SAIF202620042     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationHousingExp1008 12/08/2025 12/30/2025 Cleared -Trailing Doc D A Credit Documentation   The 1008 is missing from the loan file.    12/30/2025:   12/30/2025: Provided in trailing docs     25000.00 XX Primary Refinance CashOut_Other   22274
SAIF202620042     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CD_Status 12/10/2025 12/30/2025 Cleared -Trailing Doc D A Compliance Documentation   Missing the CD tied to the 10/21/2025 COC.     12/30/2025:   12/30/2025: Provided in trailing docs     25000.00 XX Primary Refinance CashOut_Other   22372
SAIF202620045     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseHOEPAHPMLHCMResult 10/28/2025 11/04/2025 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test   11/04/2025: non-material, flag, waive     28000.00 XX Primary Refinance Debt_Consolidation   20962
SAIF202620045     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 10/28/2025 11/04/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.671% APR exceeds the 9.350% threshold to qualify for a safe harbor.   11/04/2025: non-material, waive     28000.00 XX Primary Refinance Debt_Consolidation   20963
SAIF202620045     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance EligibilityAcceptanceDTI 10/28/2025 11/04/2025 Cleared -Trailing Doc C A Credit DTI   DTI of 58.824% exceeds maximum of 50% permitted per guidelines.  Income calculations used by lender was not supported by documentation in file.  Lender used  VA benefits to calculate income for borrower of $1222.00, however VA benefit documentation was not located in the file.   11/04/2025: Lender's UWer income comments provided in trailing docs, difference was due to qualifying w/bonus/ot income. recalculation based on comments results in OD recalculated DTI 48.889% slight variance of lender's but still within guidelines. No VA income used in qualifying.  Exception cleared.     28000.00 XX Primary Refinance Debt_Consolidation   20964
SAIF202620045     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseWrittenListofServiceProvidersDisclosureDate 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Compliance Documentation   Service Provider's list is missing from the file.   11/04/2025: Provided in trailing docs     28000.00 XX Primary Refinance Debt_Consolidation   20941
SAIF202620045     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1LegalDescription 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Credit Documentation   "EXHIBIT A" Legal description is missing from the Deed of Trust.   11/04/2025: Provided in trailing docs     28000.00 XX Primary Refinance Debt_Consolidation   20942
SAIF202620045     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 10/28/2025 11/04/2025 Cleared -Trailing Doc D A Credit Documentation   File missing mortgage statement for First Lien on the subject property   11/04/2025: provided in trailing docs     28000.00 XX Primary Refinance Debt_Consolidation   20957
SAIF202620045     D - Missing Documents B - Non-Material C - Outside of guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 10/28/2025 11/12/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Points - Loan Discount Fee increased from $813.00 to  $834.40. A Valid COC or additional cure of $43.81 required to cure the failure. A partial reimbursement of $22.76 was provided on the final CD however not enough to cure the full amount of the failure.     11/10/2025: Loan Discount Fee increased from $813.00 to $834.40 and this increase was disclosed on COC dated 10/1/25. See attached COC   11/12/2025: CoC provided in trailing docs, exception cleared     28000.00 XX Primary Refinance Debt_Consolidation   20961
SAIF202620048     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomeownershipCounselingOrganizationsDisclosureInFileIndicator 12/18/2025 03/11/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Homeownership Counseling Organizations Disclosure.    12/30/2025:   12/31/2025: Provided in trailing docs     60000.00 XX Primary Refinance Debt_Consolidation   22670
SAIF202620068     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseExceptionsResult 12/31/2025 01/07/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.601% APR exceeds the 9.210% threshold to qualify for a safe harbor.         75000.00 XX Primary Refinance CashOut_Other   22988
SAIF202620068     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseHOEPAHPMLHCMResult 01/07/2026 01/07/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         75000.00 XX Primary Refinance CashOut_Other   23388
SAIF202620068     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 02/23/2026 02/23/2026 Waived B B Compliance TRID   This loan failed the Post Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test.  The seller provided a PCCD in trailing docs to reimburse the borrower of a state prohibited fee of $25.00 on 02/17/2026 which is more than 60 days of consummation.  Per client instruction, ok to downgrade and acknowledge.         75000.00 XX Primary Refinance CashOut_Other   190825
SAIF202620068     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseWrittenListofServiceProvidersDisclosureDate 12/31/2025 01/09/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List Disclosure.    01/09/2026:   01/09/2026: WLSOP provided in trailing docs     75000.00 XX Primary Refinance CashOut_Other   23052
SAIF202620068     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CD_Status 12/31/2025 02/06/2026 Cleared -Trailing Doc D A Compliance Documentation   File is missing the following Closing Disclosures as reflected by CoC's in file referencing the CDs dates: 11/26/2025 indicated by the CoC dated 11/26/2025 and, 12/08/2025 indicated by the CoC dated 12/08/2025.     01/09/2026:     01/21/2026: Please review the uploads    01/28/2026: Please let us know if anything else is needed.    02/05/2026: The 12/8/25 CD was a part of the “closing instructions” package sent to the settlement office.  The COC form was selected in error and should not have printed with the CD.  There was an increase in appraisal and credit report fees on this CD, however, a lender cure was provided for those increases and was still present on final CD.  (total credit added $296.17 – Appraisal cure $185, credit report cure $111.17) 02/03/2026: Please provided 12/08 CD as referenced on COC document. The CD provided in trailing docs is dated 12/09 and is incomplete. 02/06/2026: 12/08 CD provided in trailing docs, exception cleared.     75000.00 XX Primary Refinance CashOut_Other   23057
SAIF202620068     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 12/31/2025 01/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 12/12/2025 and the closing date was 12/18/2025 which is less than 3 days.    01/09/2026:   01/09/2026: Seller provided CDs in trailing docs, exception cleared     75000.00 XX Primary Refinance CashOut_Other   23058
SAIF202620068     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 12/31/2025 02/23/2026 Cured D B Compliance State Violation   This loan failed the MO prohibited fees test by $25.00.  Fees included in the test:  Recording Service fee.    01/30/2026: Per our compliance department, the loan fees passed out mavent 5% test, MO. REV. STAT.408.233.  Please confirm what statue you are referencing.     02/19/2026:     02/19/2026: 02/03/2026: Failure for state of MO is under § 408.052; 408.233. The loan is a second lien and charges fees that are not specifically permitted under § 408.233 et seq. 02/23/2026: Seller provided PCCP in trailing docs and reimbursement of the fee.  Exception cleared.     75000.00 XX Primary Refinance CashOut_Other   23059
SAIF202620082     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 12/24/2025 12/26/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.936% APR exceeds the 9.660% threshold to qualify for a safe harbor.         42000.00 XX Primary Refinance CashOut_Other   22819
SAIF202620082     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncome4506Indicator 12/24/2025 12/30/2025 Cleared -Trailing Doc D A Credit Documentation   File is missing 4506-C.    12/30/2025:   12/30/2025: Provided in trailing docs     42000.00 XX Primary Refinance CashOut_Other   22815
SAIF202620082     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseTILAResult 12/24/2025 12/31/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test. File contains only 1 CD received by borrower on closing date of 12/15/2025. CoCs in file indicate CDs were issued on 12/03/2025 and 12/05/2025. Please provide all LEs and CDs disclosed to the borrower with all corresponding CoCs.     12/30/2025:   12/31/2025: Seller provided LEs and CDs in trailing docs.  Exception cleared.     42000.00 XX Primary Refinance CashOut_Other   22821
SAIF202620082     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseHOEPAHPMLHCMResult 12/24/2025 01/07/2026 Rescinded D A Valuation Documentation   This loan failed the higher-priced mortgage loan test and requires a secondary valuation at no cost to the customer. The only valuation provided in file is the full appraisal dated 11/07/2025 with the charge paid by the borrower on the final CD.    01/06/2026: see full appraisal – per guidelines on loan amounts less than or equal to $150,00 a full appraisal is acceptable and a second valuation is not required.   01/07/2026: Full interior/exterior appraisal in file as required by client guidelines for HPML loans.  Exception rescinded.     42000.00 XX Primary Refinance CashOut_Other   22820
SAIF202620463     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/19/2026 05/19/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         47000.00 XX Primary Refinance Debt_Consolidation   202500
SAIF202620463     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/19/2026 05/19/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.528% APR exceeds the 9.190% threshold to qualify for a safe harbor.         47000.00 XX Primary Refinance Debt_Consolidation   202501
SAIF202620463     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 05/18/2026 05/27/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.    05/26/2026:   05/27/2026: Provided trailing     47000.00 XX Primary Refinance Debt_Consolidation   202367
SAIF202620463     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 05/18/2026 06/08/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Appraisal Fee increased from $770 to $950, the Appraisal Re-Inspection Fee increased from $0 to $300 and the Credit Report Fee increased from $66 to $122.  Valid CoC or additional cure of $536 is required.    06/02/2026: :   lender credit of $286.35 added to final CD for appraisal ($180), appraisal 1004D ($50) and credit report ($56.35) increase.   Property value decreased per appraisal received on 1/22, a appraisal 1004D was requested and this fee increase was disclosed on 1/26 via a COC / LE $250 fee added.   06/08/2026: CoC provided trailing     47000.00 XX Primary Refinance Debt_Consolidation   202381
SAIF202620463     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1LegalDescription 05/19/2026 05/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Exhibit A (Legal Description) of the Mortgage.    05/26/2026:   05/27/2026: Provided trailing     47000.00 XX Primary Refinance Debt_Consolidation   202490
SAIF202620463     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Service_Provider_List_DocExist 05/19/2026 05/27/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List from the file.    05/26/2026:   05/27/2026: Provided trailing     47000.00 XX Primary Refinance Debt_Consolidation   202498
SAIF202621491     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance Mortgage1IsOtherRider 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing fully executed page 4 of the Manufactured Home Affidavit of Affixation Rider.    07/17/2026: 07/21/2026: provided trailing       47500.00 XX Primary Refinance CashOut_Other   210566
SAIF202621491     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing AVM, Desktop Valuation and/or Appraisal from the file.    07/17/2026: 07/21/2026: Provided trailing       47500.00 XX Primary Refinance CashOut_Other   210568
SAIF202621491     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ManufacturedHousingHUDCodeComplianceIndicator 07/10/2026 07/27/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing HUD Data Plate or Label Verification Letter.    07/17/2026: Could you please clarify what you are needing please.    07/22/2026: 07/21/2026: Property is manufactured housing, need a copy of the HUD data plate attached to the property or a HUD Label Verification letter or similar.    07/27/2026: Provided trailing       47500.00 XX Primary Refinance CashOut_Other   210569
SAIF202621491     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance E-Consent_DocExist 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing E-Consent disclosure.  The file contains electronically signed documents.    07/17/2026: 07/21/2026: provided trailing       47500.00 XX Primary Refinance CashOut_Other   210570
SAIF202621491     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance EligibilityAcceptanceCLTV_Difference 07/14/2026 07/21/2026 Cleared -Trailing Doc D A Credit CLTV   Unable to validate the LTV/CLTV due to missing property valuation reports. Upon receipt the LTV/CLTV will be reviewed.    07/17/2026: 07/21/2026: AVM provided, no LTV/ CLTV issue.       47500.00 XX Primary Refinance CashOut_Other   211119
SAIF202621637     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/10/2026 07/14/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         60700.00 XX Primary Refinance Debt_Consolidation   210576
SAIF202621637     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/10/2026 07/14/2026 Waived B B Compliance TRID   This loan failed the IN Nonrefundable Prepaid Finance Charge Test. Total fees of $2015.56 exceed threshold of $1821 by $194.56. Borrower paid fees included in testing: CPL $50, Flood Cert $7, Discount Pts $1192.76, Prepaid Interest $15.80, Processing Fee $400 and Settlement Fee $350. There were no Lender paid fees included in testing. ***Downgrade and waive per client instruction via email chain 01/19/2026 ***         60700.00 XX Primary Refinance Debt_Consolidation   210578
SAIF202621637     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/14/2026 07/14/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of  9.891%. The APR threshold to qualify for a safe harbor is 9.720%         60700.00 XX Primary Refinance Debt_Consolidation   211162
SAIF202621637     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalCURiskOverallScore 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Fannie Mae UCDP SSR report from the file to validate the CU Score.    07/16/2026: 07/21/2026: FHLMC in file reflecting eligible.    07/21/2026: FNMA provided trailing       60700.00 XX Primary Refinance Debt_Consolidation   210574
SAIF202621637     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $733 to $1192.76 and the Credit Report Fee increased from $66 to $122. Total Violation of $515.76. The final CD reflected a tolerance cure of $56.35, however it is insufficient to cure total violation. Valid CoC or additional cure of $459.41 required.     07/16/2026: 07/21/2026: CoC provided trailing       60700.00 XX Primary Refinance Debt_Consolidation   210575
SAIF202621575     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 06/18/2026 06/22/2026 Cleared -Trailing Doc D A Valuation Documentation   The file is missing the appraisal/valuation model.    06/22/2026: 06/22/2026: provided trailing       36280.00 XX Primary Refinance Debt_Consolidation   207029
SAIF202621575     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance LE_MainTRIDDisclosureInitialRevised 06/19/2026 06/22/2026 Cleared -Trailing Doc D A Compliance Documentation   The file contains 2 LEs that were issued 03/30/2026 and 04/14/2026.  The file contains an e-Doc Tracker that reflects the borrowers were sent an Initial LE and both borrowers acknowledged receipt of that LE, issued 03/26/2026.  Additionally, there is a CoC in file tied to the 03/30 LE clearly indicating this is a redisclosed LE.  The file is missing the initial LE dated 03/26/2026.  Please provide and compliance will be retested upon receipt.     06/22/2026: 06/22/2026: provided trailing       36280.00 XX Primary Refinance Debt_Consolidation   207119
SAIF202621943     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncome4506Indicator 06/16/2026 06/19/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the 4506-C.    06/18/2026: 06/19/2026: provided trailing       40000.00 XX Primary Refinance CashOut_Other   206399
SAIF202622034     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 06/16/2026 06/19/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.  The e-Doc tracker in file reflects a blank space for the e-Consent date.    06/18/2026: 06/19/2026: provided trailing       100000.00 XX Primary Refinance Debt_Consolidation   206456
SAIF202622034     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMHomeownershipCounselingOrganizationsDisclosureInFileIndicator 06/17/2026 06/19/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Homeownership Counseling Organizations Disclosure.    06/18/2026: 06/19/2026: provided trailing       100000.00 XX Primary Refinance Debt_Consolidation   206601
SAIF202622102     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 06/18/2026 06/18/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.047 % APR exceeds the 9.290% threshold to qualify for a safe harbor.         61000.00 XX Primary Refinance CashOut_Other   206860
SAIF202622102     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 06/18/2026 06/18/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         61000.00 XX Primary Refinance CashOut_Other   206861
SAIF202622102     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1IsPUDRider 06/18/2026 06/22/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the PUD Rider for the Subject Loan. The PUD Rider provided in the file is for the Senior Lien.    06/22/2026: 06/22/2026: provided in trailing       61000.00 XX Primary Refinance CashOut_Other   206856
SAIF202622102     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/18/2026 06/26/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.    06/23/2026:     06/26/2026: 06/24/2026: Seller provided the settlement agent's liability insurance binder.  What is needed is the final title policy, commitment or Transaction Certificate or other evidence of title E&O policy.    06/26/2026: Provided trailing       61000.00 XX Primary Refinance CashOut_Other   206857
SAIF202622102     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 06/18/2026 06/22/2026 Cleared -Trailing Doc D A Credit Documentation   The W-2 Forms provided in file do not reflect the year issued.    06/22/2026: 06/22/2026: provided trailing       61000.00 XX Primary Refinance CashOut_Other   206859
SAIF202623153     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 08/19/2026 08/20/2026 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization.  Loan does not have a CU Score and is not R&W Eligible. Full appraisal in file, Non-material, Waived per client directive.         66000.00 XX Primary Refinance Debt_Consolidation   218069
SAIF202623153     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var Mortgage1CheckboxOtherRider 08/20/2026 08/26/2026 Waived D A Credit Documentation   Missing the MERS Rider from the file.    08/25/2026: 08/26/2026: provided trailing       66000.00 XX Primary Refinance Debt_Consolidation   218240
SAIF202623153     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var Mortgage1CheckboxOtherRider 08/20/2026 08/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Manufactured Home Affidavit of Affixation Rider from the file.    08/25/2026: 08/26/2026: Provided trailing       66000.00 XX Primary Refinance Debt_Consolidation   218241
SAIF202623153     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var Mortgage1LegalDescription 08/20/2026 08/26/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Exhibit A for the Deed of Trust to validate the legal description.    08/25/2026: 08/26/2026: provided trailing       66000.00 XX Primary Refinance Debt_Consolidation   218243
SAIF202623153     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var AppraisalCost 08/20/2026 08/26/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing the Appraisal Invoice(s) from the file.    08/25/2026: 08/26/2026: provided trailing       66000.00 XX Primary Refinance Debt_Consolidation   218247
SAIF202623153     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var AppraisalIsPropAppraisedAsIs 08/20/2026 08/26/2026 Cleared -Trailing Doc D A Valuation Documentation   The appraisal was completed subject to inspection and cited that an "inspection report from a licensed structural engineer is required as HUD certification label is missing." The HUD labels were included in the appraisal photos. There is not an updated appraisal in the file confirming the appraisal is made as-is or a 1004D confirming the value is the same as the initial appraised value.    08/25/2026: 08/26/2026: 1004D and Structural Engineering report provided in trailing docs       66000.00 XX Primary Refinance Debt_Consolidation   218249
SAIF202623153     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var ComplianceEaseTILAResult 08/20/2026 08/26/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The only CD in file was issued 08/03/2026 and the closing date was 08/05/2026 which is less than 3 days.    08/25/2026: 08/26/2026: iCD provided in trailing docs       66000.00 XX Primary Refinance Debt_Consolidation   218262
SAIF202623153     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source B - Secondary Review within 10% var TitleSearch_DocExists 08/19/2026 08/27/2026 Cleared -Trailing Doc D A Credit Documentation   Missing title documentation from the file.    08/25/2026:     08/26/2026: 08/26/2026: Seller provided the Transaction Certificate in trailing docs, thank you.  We also need the title search work for evaluation.  Thanks.    08/27/2026: Title search provided trailing       66000.00 XX Primary Refinance Debt_Consolidation   218063
SAIF202623294     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 08/19/2026 08/19/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         53000.00 XX Primary Refinance CashOut_Other   218081
SAIF202623294     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 08/19/2026 08/19/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 9.872%. The APR threshold to qualify for a safe harbor is 9.480%.         53000.00 XX Primary Refinance CashOut_Other   218082
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 11/26/2025 12/01/2025 Waived B B Valuation Documentation   Missing Secondary Valuation required for Securitization. Loan has a CU Score of 2.9 and is not R&W Eligible.         240000.00 XX Primary Refinance Home_Improvement   21884
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 02/13/2026 02/13/2026 Waived B B Compliance TRID   The loan failed the Post Consummation Revised Closing Disclosure Timing Requirements.  Seller issued a PCCD and cure in trailing docs to resolve the tolerance violations, however, the PCCD and cure were issued 02/04/2026 which is more than 60 days of the loan consummation 11/17/2025.  Per client instruction, downgrade to Non-Material.         240000.00 XX Primary Refinance Home_Improvement   190373
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseQMHomesteadPropertyIndicator 11/28/2025 12/17/2025 Cleared -Trailing Doc D A Compliance Documentation   File is missing Notice Concerning Extension of Credit required for Texas A6 loan.   12/17/2025: Executed document provided in trailing docs, exception cleared.     240000.00 XX Primary Refinance Home_Improvement   21944
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseQMHomesteadPropertyIndicator 11/28/2025 12/17/2025 Cleared -Trailing Doc D A Compliance Documentation   File is missing 12 Day Notice required for Texas A6 loan.   12/17/2025: Executed acknowledgement of receipt of 12 day notice provided in trailing docs, exception cleared.     240000.00 XX Primary Refinance Home_Improvement   21945
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseQMHomesteadPropertyIndicator 11/28/2025 12/17/2025 Cleared -Trailing Doc D A Compliance Documentation   File is missing Acknowledgement of Fair Market Value required for Texas A6 loan.   12/17/2025: Executed document provided in trailing docs, exception cleared.     240000.00 XX Primary Refinance Home_Improvement   21946
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var TPOLIsExists 11/26/2025 12/17/2025 Cleared -Trailing Doc D A Credit Documentation   File is missing title search, commitment, or final policy.   12/17/2025: Final policy provided in trailing docs, exception cleared.     240000.00 XX Primary Refinance Home_Improvement   21885
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var TPOLPriorLiensMonthlyTotal 11/26/2025 02/12/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing evidence of a credit refresh or current mortgage payment statement for the 1st lien to validate current balance and current pay history. Credit Report in file reports only up to 10/2025.    01/02/2026: The uploaded bank statement fropm the daughter showing she i paying the XXXX has been uploaded. Please review to cleqar the exception    01/21/2026:     01/30/2026:     02/06/2026: Pleawe review the mortgage statement    02/10/2026: 12/17/2025: Document not received in trailing docs, exception still open.    01/21/2026: This exception is for the 1st lien on the subject property. Please provide a current mortgage statement to validate mortgage balance and that the account was paid current at closing.    02/06/2026: The mortgage statement provided is not for the subject property. This exception is for the Senior lien on the subject property. We are needing to verify the balance and that the mortgage was paid current at time of closing. Please provide mortgage statement for 1st lien on the subject property. 02/12/2026: Provided in trailing docs, current thru 02/2026     240000.00 XX Primary Refinance Home_Improvement   21886
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var CreditReportBorrowerDebtAndLiabilitiesAccurateAndVerifiedIndicator 11/26/2025 12/31/2025 Cleared -Trailing Doc D A Credit DTI   File is missing evidence of XXXX paid by third party for prior 12 months. Payment of $2,579 was excluded from DTI per 1008 UW comments.     12/30/2025: 12/17/2025: Document not received in trailing docs, exception still open. 12/31/2025: Bank statements from 3rd party provided in trailing docs     240000.00 XX Primary Refinance Home_Improvement   21888
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTILAResult 11/26/2025 12/17/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial loan estimate delivery date test (from application). Earliest LE in file is dated 11/05/2025 and application date is 10/09/2025 which exceeds 3 business days.  File contains only 1 LE which is dated 11/05/2025 and only 1 CD which is dated 11/11/2025.  Please provide all LEs and CDs disclosed to the borrower, along with all respective CoCs so compliance may be retested.   12/17/2025: Initial LE provided in trailing docs, exception cleared.     240000.00 XX Primary Refinance Home_Improvement   21900
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTILAResult 11/26/2025 12/17/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The earliest dated CD in file was issued 11/11/2025 and the closing date was 11/12/2025 which is less than 3 days. File contains only 1 LE which is dated 11/05/2025 and only 1 CD which is dated 11/11/2025.  Please provide all LEs and CDs disclosed to the borrower, along with all respective CoCs so compliance may be retested.   12/17/2025: Initial CD provided in trailing docs, exception cleared.     240000.00 XX Primary Refinance Home_Improvement   21902
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTILAResult 11/26/2025 12/17/2025 Cleared -Trailing Doc D A Compliance TILA   This loan failed the TRID Rate Lock Disclosure Delivery Date Test. A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on 10/10/2025.  File contains only 1 LE which is dated 11/05/2025 and only 1 CD which is dated 11/11/2025.  Please provide all LEs and CDs disclosed to the borrower, along with all respective CoCs so compliance may be retested.   12/17/2025: Rate lock LE provided in trailing docs, exception cleared.     240000.00 XX Primary Refinance Home_Improvement   21904
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTILAResult 11/26/2025 02/13/2026 Cured D B Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $0 to $432, origination fee from $0 to $200, appraisal fee from $0 to $715, and credit report from $0 to $88.41. Valid COC or additional cure of $1435.41 required. File contains only 1 LE which is dated 11/05/2025 and only 1 CD which is dated 11/11/2025.  Please provide all LEs and CDs disclosed to the borrower, along with all respective CoCs so compliance may be retested.    12/19/2025: ****CORRECTION TO 12/17/2025 COMMENT - UPDATED EXCEPTION COMMENT****  This loan failed the charges that cannot increase test. Appraisal fee increased from $635 to $715. A cure of $80 was provided on final CD that appears related to this increase. However, the cure is insufficient for total tolerance violations. Valid COC or additional cure of $15.80 required for total of remaining tolerance violations [see detail on 10% tolerance exception].    12/30/2025:     12/30/2025:     01/15/2026: Per our final mavent the TILA violation did not present itself and is passing, however, a breakdown of the 10% fees does show a cure of  $13.43 is required.  Please see attached report and confirm you agree. If you don’t please provide us with a breakdown of the 10% fees you are seeing.      01/21/2026: Please review and update. 12/17/2025: ***NEW EXCEPTION COMMENT*** This loan failed the charges that cannot increase test. Appraisal fee increased from $635 to $715. A cure of $80 was provided on final CD that appears related to this increase. However, the cure is insufficient for total tolerance violations. Valid COC or additional cure of $155.80 required for total of 0% and 10% tolerance violations.    12/31/2025: The seller reuploaded the iCD again.  The loan was already tested with the iCD.  The issue is that while it appears the increased Appraisal fee (from $635 to $715) was cured at closing ($80 cure) as reflected on the final CD, the cure is insufficient for total tolerance violations due to the failure of the 10% tolerance tests as well. Valid COC or additional cure of $15.80 required for total of remaining tolerance violations.     01/21/2026: Upon review of LEs and CDs provided in trailing docs, OD concurs with Seller that a cure of $80 was issued for the appraisal fee increase and the remaining amount to be cured is $13.43 for the 10% tolerance violation. Both exceptions will remain open until tolerance violations fully cured. 02/13/2026: Seller provided PCCD and cure in trailing docs     240000.00 XX Primary Refinance Home_Improvement   21905
SAIF202620072     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseTRIDToleranceResult 11/26/2025 02/13/2026 Cured D B Compliance TRID   This loan failed the charges that in total cannot increase more than 10% test. Fees increased from $0 to $3084. Valid COC or cure of $3084 required. File contains only 1 LE which is dated 11/05/2025 and only 1 CD which is dated 11/11/2025.  Please provide all LEs and CDs disclosed to the borrower, along with all respective CoCs so compliance may be retested.    12/30/2025:     01/15/2026: Per our final mavent the TILA violation did not present itself and is passing, however, a breakdown of the 10% fees does show a cure of  $13.43 is required.  Please see attached report and confirm you agree. If you don’t please provide us with a breakdown of the 10% fees you are seeing.      01/21/2026: Please review and update.    01/27/2026: Do you require a check to the borrower or will a Principal Reduction on our Post Closing CD work?    01/28/2026: Please let us know to the question so we can get this cleared.    02/10/2026: See attached PPCD, LOE, copy of check and proof of delivery. 12/17/2025: ***NEW EXCEPTION COMMENT*** The loan failed the charges that cannot increase more than 10% test. Total charges increased from $2662 to $3084. Cure of $80.00 issued on final CD is insufficient for total violation. Valid COC or additional cure of $155.80 required.    12/19/2025: ****CORRECTION TO 12/17/2025 COMMENT - UPDATED EXCEPTION COMMENT**** The loan failed the charges that cannot increase more than 10% test. Total charges increased from $2562 to 2834. Cure of $80.00 issued on final CD most likely for 0 tolerance exception cure, is insufficient for total violation. Valid COC or additional cure of $15.80 required.    12/31/2025: The loan was tested with all proper LEs and CDs provided.  As noted, the loan failed the charges that cannot increase more than 10% test. Total charges increased from $2562 to 2834. Cure of $80.00 issued on final CD most likely for 0 tolerance exception cure, is insufficient for total violation. Valid COC or additional cure of $15.80 required.  The final CD reflects a large increase to the Title Endorsement fee, which is included in the 10% tolerance total, with no valid change for the increase.    01/21/2026: Upon review of LEs and CDs provided in trailing docs, OD concurs with Seller that a cure of $80 was issued for the appraisal fee increase and the remaining amount to be cured is $13.43 for the 10% tolerance violation. Both exceptions will remain open until tolerance violations fully cured.     02/02/2026: Please provide a copy of check to borrower in amount of $13.43. 02/13/2026: Seller provided PCCD and cure in trailing docs     240000.00 XX Primary Refinance Home_Improvement   21906
SAIF202620875     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 04/08/2026 04/17/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a Property Report, however the Transactional Certificate document evidencing the subject loan, is missing.    04/16/2026:   04/17/2026: Warranty Transaction Certificate provided in trailing docs     32000.00 XX Primary Refinance Debt_Consolidation   195106
SAIF202620875     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/08/2026 04/17/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Supplemental Consumer Information Form for the Borrower.    04/16/2026:   04/17/2026: Provided in trailing docs     32000.00 XX Primary Refinance Debt_Consolidation   195265
SAIF202620875     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ApplicationDocStatus 04/08/2026 04/20/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Supplemental Consumer Information Form for the Co-Borrower.    04/16/2026:     04/17/2026:   04/20/2026: Provided in trailing docs     32000.00 XX Primary Refinance Debt_Consolidation   195267
SAIF202620881     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/17/2026 03/18/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         100000.00 XX Primary Refinance Debt_Consolidation   192138
SAIF202620881     B - Non-Material B - Non-Material A - Meets Guidelines A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 03/17/2026 03/18/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.938% APR exceeds the 9.760% threshold to qualify for a safe harbor.         100000.00 XX Primary Refinance Debt_Consolidation   192139
SAIF202620184     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/06/2026 05/07/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test         27014.00 XX Primary Refinance CashOut_Other   200212
SAIF202620184     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 05/06/2026 05/07/2026 Waived B B Compliance State Violation   This loan failed the IN Nonrefundable Prepaid Finance Charge Test.  Total fees included of $1066.04 exceed threshold of $810.42 by $255.62.  Borrower paid fees included in testing:  CPL $50, Flood Cert $7,  Discount Pts $14.86, Prepaid Int $244.18, Processing Fee $400 and Settlement Fee $350. There were no Lender paid fees included in testing.   Downgrade and waive per client instruction 01/19/2026 on this finding.         27014.00 XX Primary Refinance CashOut_Other   200213
SAIF202620184     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/07/2026 05/07/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 11.942% APR exceeds the 9.230% threshold to qualify for a safe harbor.         27014.00 XX Primary Refinance CashOut_Other   200429
SAIF202620184     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 05/07/2026 05/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.    05/08/2026:   05/12/2026: Provided in trailing     27014.00 XX Primary Refinance CashOut_Other   200427
SAIF202621154     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1IsPagesGood 03/24/2026 04/08/2026 Cleared -Trailing Doc D A Credit Documentation   File is missing page 7 of Deed of Trust.    04/06/2026:   04/08/2026: Provided in trailing docs     52000.00 XX Primary Refinance Debt_Consolidation   192528
SAIF202621154     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 03/24/2026 04/08/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a Quick EQ title search report, however the Transactional Certificate document evidencing the subject loan, is missing.    04/06/2026:   04/08/2026: Provided in trailing docs     52000.00 XX Primary Refinance Debt_Consolidation   192530
SAIF202621154     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 03/24/2026 04/08/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Right to Cancel signed by the Borrower. The file only contained a Right to Cancel for the Non-Borrowing Spouse.    04/06/2026:   04/08/2026: Provided in trailing docs     52000.00 XX Primary Refinance Debt_Consolidation   192531
SAIF202621154     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AppraisalMoHOAFees 03/25/2026 04/08/2026 Cleared -Trailing Doc D A Credit Documentation   Missing HOA assessment documentation.    04/06/2026:   04/08/2026: Provided in trailing docs     52000.00 XX Primary Refinance Debt_Consolidation   192575
SAIF202620324     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/03/2026 03/03/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         52500.00 XX Primary Refinance CashOut_Other   191452
SAIF202620324     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 03/03/2026 03/03/2026 Waived B B Compliance State Violation   This loan failed the NC Rate Spread Home Loan Test.         52500.00 XX Primary Refinance CashOut_Other   191454
SAIF202620324     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 03/03/2026 03/03/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.906% APR exceeds the 9.200% threshold to qualify for a safe harbor.         52500.00 XX Primary Refinance CashOut_Other   191455
SAIF202620324     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 03/03/2026 03/05/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Credit Report Fee increased from $88 to $176.82. Valid COC or additional cure of $88.82 required.    03/04/2026:     03/04/2026: We only sent out 1 CD and I have uploaded the ICD which has the 176.82 listed.   03/05/2026: Provided in trailing docs     52500.00 XX Primary Refinance CashOut_Other   191453
SAIF202620324     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 03/03/2026 03/05/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.    03/04/2026:   03/05/2026: Provided in trailing docs     52500.00 XX Primary Refinance CashOut_Other   191451
SAIF202620983     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/07/2026 05/07/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         100000.00 XX Primary Refinance CashOut_Other   200395
SAIF202620983     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/07/2026 05/07/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.832% APR exceeds the 9.600% threshold to qualify for a safe harbor.         100000.00 XX Primary Refinance CashOut_Other   200399
SAIF202620983     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 05/07/2026 05/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.    05/08/2026:   05/12/2026: provided     100000.00 XX Primary Refinance CashOut_Other   200314
SAIF202620983     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CreditReportFlowOtherPropBefClos 05/07/2026 05/19/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the mortgage statement for the Borrower's investment property to confirm that taxes and insurance are escrowed.    05/19/2026:   05/19/2026: provided in trailing     100000.00 XX Primary Refinance CashOut_Other   200390
SAIF202620948     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 05/08/2026 05/08/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         67550.00 XX Primary Refinance Debt_Consolidation   200666
SAIF202620948     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 05/08/2026 05/08/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.139 % APR exceeds the 9.600 % threshold to qualify for a safe harbor.         67550.00 XX Primary Refinance Debt_Consolidation   200667
SAIF202620948     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 05/07/2026 05/12/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.    05/11/2026:   05/12/2026: provided     67550.00 XX Primary Refinance Debt_Consolidation   200334
SAIF202622220     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalAnyAddtnlValuations 07/06/2026 07/09/2026 Cleared -Trailing Doc D A Valuation Documentation   Missing a Valuation Model from the file.    07/08/2026: Hi, could you please let me know what valuation model you are looking for please.    07/09/2026: 07/09/2026: There is nothing in the file, no AVM, Desk review or appraisal.  The borrower was charged an appraisal fee on the final CD and a valuation model as required by guidelines, needs to be in the file.     07/09/2026: AVM provided in trailing       121690.00 XX Primary Refinance Debt_Consolidation   209454
SAIF202622220     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance IntentToProceed_DocExist 07/06/2026 07/09/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Intent to Proceed from the file.    07/08/2026: 07/09/2026: Provided trailing       121690.00 XX Primary Refinance Debt_Consolidation   209707
SAIF202622220     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance E-Consent_DocExist 07/06/2026 07/09/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document showing e-consent was accepted by the borrower on 05/10/2026 or earlier as there are documents electronically signed  by the borrower as early as 05/10/2026.    07/08/2026: 07/09/2026: Provided in trailing       121690.00 XX Primary Refinance Debt_Consolidation   209708
SAIF202622702     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/10/2026 07/15/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         40250.00 XX Primary Refinance Debt_Consolidation   210602
SAIF202622702     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/15/2026 07/15/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 10.223 %. The APR threshold to qualify for a safe harbor is 9.910 %.         40250.00 XX Primary Refinance Debt_Consolidation   211310
SAIF202622702     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 07/15/2026 07/20/2026 Cleared -Trailing Doc D A Credit Documentation   The W-2s for the Borrower do not reflect the year they were issued. Review unable to validate per guidelines.    07/16/2026: 07/20/2026: provided trailing       40250.00 XX Primary Refinance Debt_Consolidation   211309
SAIF202622702     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 07/10/2026 07/20/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file contains a Quick EQ title search report with an insurance amount of $32,000, however the Transactional Certificate document evidencing the subject loan with the final loan amount of $40,250, is missing.    07/16/2026: 07/20/2026: MHELP provided in trailing.    07/20/2026: Correction to clearing comment, Master Resi Equity Loan Policy Cert provided in trailing       40250.00 XX Primary Refinance Debt_Consolidation   210598
SAIF202622702     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 07/10/2026 07/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Letter of explanation for credit inquires    07/16/2026:     07/20/2026: 07/20/2026: Seller uploaded LOX for addresses but not for the credit inquiries, to trailing docs.    07/21/2026: provided in trailing       40250.00 XX Primary Refinance Debt_Consolidation   210600
SAIF202622737     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/30/2026 07/30/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         88000.00 XX Primary Refinance Debt_Consolidation   214552
SAIF202622737     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 07/30/2026 07/30/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 10.481%. The APR threshold to qualify for a safe harbor is 10.01%         88000.00 XX Primary Refinance Debt_Consolidation   214553
SAIF202622737     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/31/2026 07/31/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.481% APR exceeds the 10.010% threshold to qualify for a safe harbor.         88000.00 XX Primary Refinance Debt_Consolidation   214627
SAIF202622737     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 07/30/2026 08/03/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The following fees increased: Loan Discount Fee from $708 to $836 and Transfer Taxes from $248 to $281.67. Valid CoC or additional cure of $161.57 is required.    08/03/2026: 08/03/2026: CoC for rate lock provided       88000.00 XX Primary Refinance Debt_Consolidation   214551
SAIF202622988     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 07/31/2026 07/31/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         32786.00 XX Primary Refinance Debt_Consolidation   214622
SAIF202622988     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 07/31/2026 07/31/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 12.38%. The APR threshold to qualify for a safe harbor is 10.020%.         32786.00 XX Primary Refinance Debt_Consolidation   214623
SAIF202622988     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 07/31/2026 08/03/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contain documents that are electronically signed.    08/03/2026: 08/03/2026: provided trailing       32786.00 XX Primary Refinance Debt_Consolidation   214620
SAIF202623331     A - No Exceptions A - No Exceptions A - Meets Guidelines A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateRegsResult 08/26/2026 08/27/2026 Rescinded A A Compliance State Violation   This loan charges one or more fees prohibited under the MI Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending of a secondary mortgage because these fees or charges are not related to some part of the transaction between lender and borrower. Total prohibited fee is $7.00, fees included in test are:  Flood Determination fee.   ****Per correspondence with the state of MI regulators, since these loans "are stand-alone subordinate liens originated, if the flood certification/determination fee is reasonable and necessary and the charge does not exceed the actual expense incurred, the fee would be allowable in the State of Michigan."  Per 01/23/2026 email with Client, they concur and OD rescinds even though CE report reflects test failure.****         80000.00 XX Primary Refinance Debt_Consolidation   219128
SAIF202620032     D - Missing Documents A - No Exceptions A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 11/25/2025 12/31/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $3,038 to $3,429. Valid COC or additional cure of $391 required.     12/30/2025:   12/31/2025: CoC provided in trailing docs, exception cleared     135000.00 XX Primary Refinance Debt_Consolidation   21862
SAIF202620046     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AppraisalCURiskOverallScore 11/25/2025 11/25/2025 Waived B B Valuation Documentation   Missing secondary valuation required for securitization. UCDP reports were not provided in loan file to verify CU Score and Reps & Warrant Relief eligibility. Immaterial per Client's directive.         39900.00 XX Primary Refinance Debt_Consolidation   21825
SAIF202620046     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 11/25/2025 11/25/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.509% APR exceeds the 10.04% threshold to qualify for a safe harbor. Immaterial per Client's directive.         39900.00 XX Primary Refinance Debt_Consolidation   21842
SAIF202620046     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseVerifiedSafeHarborFlag 11/25/2025 11/25/2025 Waived B B Compliance State Violation   This loan failed the NC Rate Spread Home Loan Test.         39900.00 XX Primary Refinance Debt_Consolidation   21843
SAIF202620046     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseQMQMStatus2 11/25/2025 11/25/2025 Waived B B Compliance HPML   This loan failed the Higher-Priced Mortgage Loan Test. Immaterial per Client's directive.         39900.00 XX Primary Refinance Debt_Consolidation   21844
SAIF202620046     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var CT22_TPOL_Status 11/25/2025 12/19/2025 Cleared -Trailing Doc D A Credit Documentation   File is missing title documentation.   12/19/2025: Provided in trailing docs     39900.00 XX Primary Refinance Debt_Consolidation   21827
SAIF202620046     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var TPOLLoanTypeofMostSeniorLien 11/25/2025 01/21/2026 Cleared -Trailing Doc D A Credit Mortgage History   File is missing Note for Senior Lien and current mortgage statement to validate current balance and current pay history. Credit Report in file reports only up to 09/2025.    01/20/2026:     01/20/2026:   01/21/2026: Provided in trailing docs, exception cleared.     39900.00 XX Primary Refinance Debt_Consolidation   21832
SAIF202620046     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AssetsIncome4506Indicator 11/25/2025 12/19/2025 Cleared -Trailing Doc D A Credit Documentation   File is missing 4506-C.   12/19/2025: Provided in trailing docs     39900.00 XX Primary Refinance Debt_Consolidation   21833
SAIF202620046     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var AssetsIncomePerBorrowerOtherIncome 11/25/2025 12/19/2025 Cleared -Trailing Doc D A Credit Income   File is missing current social security awards letter, 1099, or 2 months bank statements to document current social security income. 2024 tax transcript in file doesn't support amount of $1,810.70/month used by lender.   12/19/2025: Provided in trailing docs and supports lender's calculation     39900.00 XX Primary Refinance Debt_Consolidation   21834
SAIF202620046     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var ComplianceEaseWrittenListofServiceProvidersDisclosureDate 11/25/2025 12/19/2025 Cleared -Trailing Doc D A Compliance Documentation   File is missing Service Providers List.    12/19/2025: Provided in trailing docs         39900.00 XX Primary Refinance Debt_Consolidation   21836
SAIF202620046     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material B - Secondary Review within 10% var B - Secondary Review within 10% var RightToCancelBorrowerName 11/25/2025 12/19/2025 Cleared -Trailing Doc D A Compliance Documentation   File is missing Right to Cancel for borrower. Only Right to Cancel provided in loan file is for non-borrowing spouse.    12/15/2025:   12/19/2025: Provided in trailing docs     39900.00 XX Primary Refinance Debt_Consolidation   21837
SAIF202620047     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalEligibleforRepWarrantReliefperCollateralAdvisor 10/28/2025 11/03/2025 Cleared -Trailing Doc D A Credit Documentation   Missing the UCDP Freddie Mac Report to determine eligibility for rep and warrant relief.  File contains a full appraisal report.   11/03/2025: Provided in trailing docs     77000.00 XX Primary Refinance Debt_Consolidation   20936
SAIF202620047     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalCURiskOverallScore 10/28/2025 11/03/2025 Cleared -Trailing Doc D A Credit Documentation   Missing the UCDP Fannie Mae Report to determine the CU score.  File contains a full appraisal report.   11/03/2025: Provided in trailing docs     77000.00 XX Primary Refinance Debt_Consolidation   20937
SAIF202620047     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AppraisalDeliveryDate 10/28/2025 11/03/2025 Cleared -Trailing Doc D A Credit Documentation   Missing evidence that the appraisal was delivered to the Borrower at least 3 days prior to closing.   11/03/2025: Provided in trailing docs     77000.00 XX Primary Refinance Debt_Consolidation   20938
SAIF202620047     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance TPOLIsExists 10/28/2025 11/03/2025 Cleared -Trailing Doc D A Credit Documentation   Missing evidence of title work.  The final Title Policy, Title Commitment or Title Search were in the file.   11/03/2025: Provided in trailing docs     77000.00 XX Primary Refinance Debt_Consolidation   20939
SAIF202620047     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 10/28/2025 11/03/2025 Cleared -Trailing Doc D A Credit Documentation   File Missing W-2 Statements for borrower covering the most recent 2 year period as required by guidelines.   11/03/2025: Provided in trailing docs     77000.00 XX Primary Refinance Debt_Consolidation   20946
SAIF202620047     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance FACTADeliveryDate 10/28/2025 11/03/2025 Cleared -Trailing Doc D A Credit Documentation   Missing the FACTA Disclosure.   11/03/2025: Provided in trailing docs     77000.00 XX Primary Refinance Debt_Consolidation   20948
SAIF202620047     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance BorrowerCreditReportLastInquiryDate 10/28/2025 11/03/2025 Cleared -Trailing Doc D A Credit Documentation   Missing a letter of explanation for the credit inquiry with XXXX on 06/23/2025.   11/03/2025: Provided in trailing docs     77000.00 XX Primary Refinance Debt_Consolidation   20954
SAIF202620047     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance EligibilityAcceptanceOccupancy 10/28/2025 11/03/2025 Cleared -Trailing Doc D A Credit Documentation   Missing the Supplemental Consumer Information Form (SCIF/Form 1103).   11/03/2025: Provided in trailing docs     77000.00 XX Primary Refinance Debt_Consolidation   20955
SAIF202620047     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance ComplianceEaseWrittenListofServiceProvidersDisclosureDate 10/28/2025 11/03/2025 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List Disclosure.   11/03/2025: Provided in trailing docs     77000.00 XX Primary Refinance Debt_Consolidation   20956
SAIF202620047     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions D - Missing Secondary Value Source A - Primary Review within 10% variance LE_Final_TRIDDisclosureDateRateWasSet 10/29/2025 11/03/2025 Cleared -Trailing Doc D A Compliance Documentation   Missing evidence of rate lock date.   11/03/2025: Provided in trailing docs     77000.00 XX Primary Refinance Debt_Consolidation   21012
SAIF202620057     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMQMStatus2 11/12/2025 11/13/2025 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         75000.00 XX Primary Refinance Debt_Consolidation   21482
SAIF202620057     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 11/12/2025 11/13/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor. The loan has an APR of 9.947%. The APR threshold to qualify for a safe harbor is 9.810%.         75000.00 XX Primary Refinance Debt_Consolidation   21483
SAIF202620057     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLDocType 11/12/2025 12/26/2025 Cleared -Trailing Doc D A Credit Guidelines   Title Endorsements Alta 7, 7.1, or 7.2 are required for manufactured housing per Lender guidelines. The complete Title Policy was not located in the loan file to confirm these endorsements were included.   12/26/2025: FTP provided in trailing docs     75000.00 XX Primary Refinance Debt_Consolidation   21484
SAIF202620057     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 11/12/2025 12/09/2025 Cleared -Trailing Doc D A Credit Documentation   Missing Note for Senior lien.   12/09/2025: Provided in trailing docs     75000.00 XX Primary Refinance Debt_Consolidation   21481
SAIF202620067     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMQMStatus2 11/12/2025 11/17/2025 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         277000.00 XX Primary Refinance CashOut_Other   21470
SAIF202620067     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 11/12/2025 11/13/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 13.015% APR exceeds the 9.810% threshold to qualify for a safe harbor.         277000.00 XX Primary Refinance CashOut_Other   21463
SAIF202620067     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 11/13/2025 12/09/2025 Cleared -Trailing Doc D A Compliance Documentation   Missing the TX Home Equity Discount Points Disclosure.   12/09/2025: Provided in trailing docs     277000.00 XX Primary Refinance CashOut_Other   21517
SAIF202620067     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 11/13/2025 11/19/2025 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice Concerning Extension of Credit.   11/19/2025: Provided in trailing docs     277000.00 XX Primary Refinance CashOut_Other   21518
SAIF202620067     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 11/13/2025 12/09/2025 Cleared -Trailing Doc D A Compliance Documentation   Missing the Acknowledgment of Fair Market Value.   12/09/2025: Provided in trailing docs     277000.00 XX Primary Refinance CashOut_Other   21519
SAIF202620067     D - Missing Documents B - Non-Material A - Meets Guidelines A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseStateandLocalResult 11/12/2025 12/09/2025 Rescinded D A Compliance State Violation   TX Constitution A6 Required Fees Test. The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed 2% of the original principal amount. The Origination Fees of $7617.50 exceed 2% of the Loan Amount.   12/09/2025: OD located the undiscounted rate in file and retested compliance.  Test passes.  Finding rescinded.     277000.00 XX Primary Refinance CashOut_Other   21469
SAIF202620158     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 01/14/2026 01/15/2026 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 10.200% APR exceeds the 9.210% threshold to qualify for a safe harbor.         52114.00 XX Primary Refinance CashOut_Other   23762
SAIF202620158     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseHOEPAHPMLHCMResult 01/15/2026 01/15/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         52114.00 XX Primary Refinance CashOut_Other   65018
SAIF202620158     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance Income_EmploymentStartDate 01/15/2026 01/21/2026 Cleared -Trailing Doc D A Credit Employment   File is missing VOE within 10 business days of closing as required per guidelines. Most recent VOE in file is dated 10/15/2025.    01/20/2026:   01/21/2026: Provided in trailing docs, exception cleared.     52114.00 XX Primary Refinance CashOut_Other   65017
SAIF202620158     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance CT22_TPOL_Status 01/14/2026 01/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Title Policy or evidence of title work and E&O policy as required by guidelines    01/20/2026:     01/20/2026:   01/21/2026: Provided in trailing docs, exception cleared.     52114.00 XX Primary Refinance CashOut_Other   23727
SAIF202620158     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance FACTADeliveryDate 01/14/2026 01/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the FACTA documentation.    01/20/2026:     01/20/2026:   01/21/2026: Provided in trailing docs, exception cleared.     52114.00 XX Primary Refinance CashOut_Other   23728
SAIF202620158     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance LetterOfExplanationExists 01/14/2026 01/21/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Credit Inquiry letter for XXXX Bank on 09/20/2025.    01/20/2026:   01/21/2026: Provided in trailing docs, exception cleared.     52114.00 XX Primary Refinance CashOut_Other   23729
SAIF202620158     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 01/14/2026 02/23/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the most recent mortgage statement for the senior lien to validate the unpaid principal balance and that taxes and insurance are escrowed as required for as required for HPML loans.    02/18/2026:   02/23/2026: Provided in trailing docs     52114.00 XX Primary Refinance CashOut_Other   23731
SAIF202620158     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseWrittenListofServiceProvidersDisclosureDate 01/14/2026 01/21/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Service Providers List Disclosure.    01/20/2026:   01/21/2026: Provided in trailing docs, exception cleared.     52114.00 XX Primary Refinance CashOut_Other   23732
SAIF202620158     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 01/14/2026 02/23/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. The Loan Discount Fee increased from $504.00 to $1315.88. Valid COC or cure of $811.88 required.    02/18/2026:   02/23/2026: CoCs provided in trailing docs, exception cleared     52114.00 XX Primary Refinance CashOut_Other   23735
SAIF202620158     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance SERVICING_DISCLOSURE_STATEMENT_DocExist 01/21/2026 02/12/2026 Rescinded D A Compliance Documentation   Servicing Disclosure is missing from the file.    01/30/2026: This is on the LE please review and clear.    02/09/2026: This is on the LE please review and clear.   02/12/2026: Rescind     52114.00 XX Primary Refinance CashOut_Other   188988
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1IsOtherRider 05/30/2026 06/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Simple Interest Rider to the Deed of Trust.    06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204099
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 05/30/2026 06/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing Current Mortgage Statement for the 1st lien.  Subject transaction closed in February 2026, credit report in file reflects pay history up to 11/2025.  Need confirmation loan is current for 12/2025 and 01/2026.    06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204100
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerW2Years 05/30/2026 06/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Co-Borrower's 2024 W2    06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204101
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CREDIT_SCORE_DISCLOSURE_DocExists 05/30/2026 06/10/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Credit Score disclosure.    06/02/2026:     06/10/2026: 06/09/2026: Seller provided the Notice to Home Loan Applicant but the Credit Score Disclosures reflecting the Credit Scores is missing.    06/10/2026: provided trailing       207500.00 XX Primary Refinance CashOut_Other   204103
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance NoticetoHomeLoanApplicant_DocExist 05/30/2026 06/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Notice to Home Loan Applicant.    06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204104
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 05/30/2026 06/09/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing Notice of Right to Cancel for both borrowers.    06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204106
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Service_Provider_List_DocExist 05/30/2026 06/09/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Settlement Service Provider List.    06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204107
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance IntentToProceed_DocExist 05/30/2026 06/09/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Intent To Proceed.    06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204109
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance E-Consent_DocExist 05/30/2026 06/09/2026 Cleared -Trailing Doc D A Compliance Documentation   The loan file is missing the E-consent document. The loan file contains documents that are electronically signed.    06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204110
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance 1008_Present 05/30/2026 06/09/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing the 1008 Transmittal Summary.  Review unable to validate the ratios used to qualify the loan.    06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204111
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/30/2026 06/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the initial closing disclosure delivery date test.  The file contains one CD that was issued 02/11/2026 which is post-closing.  Please provide all LEs and CDs disclosed to the borrowers.  Compliance will be retested.    06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204112
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTILAResult 05/30/2026 06/09/2026 Cleared -Trailing Doc D A Compliance TRID   This loan failed the TRID closing disclosure date and funding date validation test. The file contains one CD that was issued and wet inked executed on 02/11/2026. Per the Deed of Trust date executed by the Notary and the closing date reflected on the CD, the loan closed 02/02/2026.  The loan disbursed 02/06/2026. The CD in file is a post consummation closing disclosure.    06/02/2026:   06/09/2026: Cleared in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204115
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance NoteDetailOtherNoteRider1Name 06/01/2026 06/12/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Simple Interest Rider to the Note.    06/02/2026:     06/10/2026:     06/12/2026: 06/09/2026: Correction, the Note Addendum was NOT provided in trailing, the Security Instrument Rider was provided.  Exception remains valid.    06/10/2026: Seller provided a copy of the Note and Irrevocable Trust Addendum.  Per the Security Instrument and Rider, the note is Simple Interest but the Note Addendum reflecting it is Simple Interest, is missing from the file.    06/12/2026: Provided trailing 06/09/2026: Provided trailing     207500.00 XX Primary Refinance CashOut_Other   204189
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance Mortgage1IsOtherRider 06/01/2026 06/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Inter Vivos Revocable Trust Rider to the Deed of Trust. The Trust Rider is the file is for the senior lien Deed of Trust.    06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204196
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance CreditHistoryFraudReportAvailable 06/01/2026 06/10/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Fraud Report, evidence of fraud searches.    06/02/2026:     06/10/2026:     06/10/2026: 06/09/2026: Fraud report did not upload, please reupload.    06/10/2026: provided trailing       207500.00 XX Primary Refinance CashOut_Other   204199
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance RightToCancelBorrowerName 06/01/2026 06/09/2026 Cleared -Trailing Doc D A Compliance Documentation   Missing the Notice of Right to Cancel for the Co-Borrower.    06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204200
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance NoteDetailOtherNoteRider1Name 06/01/2026 06/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Inter Vivos Revocable Trust Addendum to the Note.    06/02/2026:     06/02/2026:   06/09/2026: Provided in trailing docs.     207500.00 XX Primary Refinance CashOut_Other   204342
SAIF202620427     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerOtherIncome 06/09/2026 06/10/2026 Cleared -Trailing Doc D A Credit Documentation   ***New Exception*** Missing evidence of the Co-Borrower's VA Benefits.  1008 reflects CB was approved with VA Benefit other income but no benefit statement or bank statements were in file to verify the VA income used in qualifying.    06/10/2026: 06/10/2026: Provided trailing       207500.00 XX Primary Refinance CashOut_Other   205489
SAIF202620132     B - Non-Material B - Non-Material B - Compensating Factors B - Compensating Factors A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSrLienOrigDate 01/15/2026 01/15/2026 Waived B B Credit Documentation   Missing 1st lien Note. Per email dated 12/22/2025 and documentation provided by Seller (1st lien fCD and DOT), non material.         80000.00 XX Primary Refinance CashOut_Other   65078
SAIF202620084     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSrLienOrigDate 12/11/2025 12/12/2025 Cleared -Trailing Doc D A Credit Documentation   File is missing Note for Senior Lien   12/12/2025: Provided in trailing docs     95000.00 XX Primary Refinance Debt_Consolidation   22403
SAIF202620071     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseHOEPAHPMLHCMResult 12/11/2025 12/11/2025 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         155500.00 XX Primary Refinance Debt_Consolidation   22420
SAIF202620071     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 12/11/2025 12/11/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. The 9.603% APR exceeds the 9.160% threshold to qualify for a safe harbor.         155500.00 XX Primary Refinance Debt_Consolidation   22421
SAIF202620071     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 12/11/2025 12/11/2025 Waived B B Compliance QM   This loan failed the Qualified Mortgage APR Threshold Test. The 9.603% APR exceeds the threshold of 9.160%.         155500.00 XX Primary Refinance Debt_Consolidation   22422
SAIF202620071     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSrLienOrigDate 12/11/2025 12/18/2025 Cleared -Trailing Doc D A Credit Documentation   File is missing Note for Senior Lien.   12/18/2025: Provided in trailing docs     155500.00 XX Primary Refinance Debt_Consolidation   22407
SAIF202620070     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseHOEPAHPMLHCMResult 12/10/2025 12/11/2025 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         210000.00 XX Primary Refinance Debt_Consolidation   22374
SAIF202620070     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseVerifiedSafeHarborFlag 12/10/2025 12/11/2025 Waived B B Compliance QM   This loan does not qualify for a safe harbor level of compliance with qualified mortgage rule. The loan has an APR of 9.385%. The APR threshold to qualify for a safe harbor is 9.160%.         210000.00 XX Primary Refinance Debt_Consolidation   22376
SAIF202620070     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 12/10/2025 12/11/2025 Waived B B Compliance QM   This loan failed Qualified Mortgage APR Threshold Test. The 9.385% APR exceeds the threshold of 9.160%.         210000.00 XX Primary Refinance Debt_Consolidation   22377
SAIF202620070     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLLoanTypeofMostSeniorLien 12/10/2025 12/17/2025 Cleared -Trailing Doc D A Credit Documentation   Missing Note for Senior lien.   12/17/2025: Provided in trailing docs     210000.00 XX Primary Refinance Debt_Consolidation   22347
SAIF202620070     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines D - Material Exception that can be Cleared B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseTRIDToleranceResult 12/10/2025 12/12/2025 Cleared -Trailing Doc D A Compliance TRID   This loan failed the charges that cannot increase test. Discount points increased from $3,075 to $3,150. Valid COC or cure of $75 required.   12/12/2025: CoC provided in trailing docs, exception cleared.     210000.00 XX Primary Refinance Debt_Consolidation   22373
SAIF202622332     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSeniorLoanAmount 06/08/2026 06/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the most recent Mortgage Statement for the 1st lien to validate current UPB.    06/08/2026: See attached   06/09/2026: provided trailing     288000.00 XX Primary Refinance Debt_Consolidation   205101
SAIF202622332     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLLoanTypeofMostSeniorLien 06/08/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Note for the 1st lien to verify senior lien terms.    06/09/2026: See attached 06/09/2026: No note was attached, a Note Tracking doc was uploaded instead.   Please re-upload.    06/11/2026: Seller indicated they do not require a copy of the 1st lien note as long as they obtain a copy of the mortgage payment statement.  Escalated to Client review.  Per email with Client 06/11/2026, ok to not have 1st lien note for this seller as long as mtg payment statement is in file.       288000.00 XX Primary Refinance Debt_Consolidation   205102
SAIF202622332     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/08/2026 06/15/2026 Cleared -Trailing Doc D A Credit Documentation   Per XXXX Guidelines, for Loan amounts greater than 250k, a full ALTA title report must be attained or where applicable, MHELP (Master Home Equity Loan Policy) product may be utilized for loan amounts </= $350k in the offered jurisdictions. The loan file only has a title search.    06/12/2026: See attached 06/15/2026: Title Commitment provided in Trailing docs       288000.00 XX Primary Refinance Debt_Consolidation   205103
SAIF202622332     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance AssetsIncomePerBorrowerBaseIncome 06/08/2026 06/09/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Income Calculation Worksheet.    06/08/2026: Please see attached   06/09/2026: Provided trailing     288000.00 XX Primary Refinance Debt_Consolidation   205105
SAIF202622461     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEaseQMRegulationFailures 06/08/2026 06/09/2026 Waived B B Compliance QM   This loan failed the QM APR test.  The loan has an APR of 10.168%. The APR threshold to qualify for a safe harbor is 9.930%         107800.00 XX Primary Refinance Debt_Consolidation   205281
SAIF202622461     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance ComplianceEasePoliciesResult 06/09/2026 06/09/2026 Waived B B Compliance HPML   This loan failed the higher-priced mortgage loan test.         107800.00 XX Primary Refinance Debt_Consolidation   205312
SAIF202622461     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/08/2026 06/17/2026 Cleared -Trailing Doc D A Credit Documentation   Title unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or title warranty document, is missing.    06/15/2026: 06/17/2026: Cert of Title Liability Insurance provided       107800.00 XX Primary Refinance Debt_Consolidation   205206
SAIF202622461     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLSrLienOrigDate 06/08/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Note for the 1st lien to verify Senior Lien terms. 06/11/2026: Seller indicated they do not require a copy of the 1st lien note as long as they obtain a copy of the mortgage payment statement.  Escalated to Client review.  Per email with Client 06/11/2026, ok to not have 1st lien note for this seller as long as mtg payment statement is in file.       107800.00 XX Primary Refinance Debt_Consolidation   205211
SAIF202622461     D - Missing Documents B - Non-Material D - Missing docs A - Meets Guidelines B - Cured or Non-Material B - Cured or Non-Material A - Primary Review within 10% variance A - Primary Review within 10% variance AssetIncomeNotes 06/08/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Lender's Income Calculation worksheet or income calculation comments on 1008, as required by XXXX guidelines.    06/11/2026: 06/11/2026: Provided trailing       107800.00 XX Primary Refinance Debt_Consolidation   205223
SAIF202622462     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/08/2026 06/17/2026 Cleared -Trailing Doc D A Credit Documentation   Title unexpired E&O policy per the XXXX Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or title warranty document, is missing.    06/15/2026: 06/17/2026: Cert of Title Liability Insurance provided       155000.00 XX Primary Refinance CashOut_Other   205284
SAIF202622462     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLLoanTypeofMostSeniorLien 06/09/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Note for the 1st lien to verify Senior Lien terms. 06/11/2026: Seller indicated they do not require a copy of the 1st lien note as long as they obtain a copy of the mortgage payment statement.  Escalated to Client review.  Per email with Client 06/11/2026, ok to not have 1st lien note for this seller as long as mtg payment statement is in file.       155000.00 XX Primary Refinance CashOut_Other   205322
SAIF202622508     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance TPOLLoanTypeofMostSeniorLien 06/09/2026 06/11/2026 Cleared -Trailing Doc D A Credit Documentation   Missing the Note for the 1st lien to verify the Senior Lien terms. 06/11/2026: Seller indicated they do not require a copy of the 1st lien note as long as they obtain a copy of the mortgage payment statement.  Escalated to Client review.  Per email with Client 06/11/2026, ok to not have 1st lien note for this seller as long as mtg payment statement is in file.       131700.00 XX Primary Refinance CashOut_Other   205392
SAIF202622508     D - Missing Documents A - No Exceptions D - Missing docs A - Meets Guidelines A - No Exceptions A - No Exceptions A - Primary Review within 10% variance A - Primary Review within 10% variance InsuranceMasterPolicy_DocExist 06/09/2026 06/17/2026 Cleared -Trailing Doc D A Credit Documentation   The file is missing evidence of the Title unexpired E&O policy per the XXXX 2025 Residential Mortgage Guidelines. The file contains a title search report, however evidence of the required and applicable E&O policy or Attorney Opinion Letter or title warranty document, is missing.    06/15/2026: 06/17/2026: Cert of Title Liability Insurance provided       131700.00 XX Primary Refinance CashOut_Other   205393