CHASE HOME LENDING MORTGAGE TRUST 2026-AGY3 ABS-15G

Exhibit 99.2 - Schedule 2

 

 

Seller Name Seller Loan ID Customer Loan ID Exception ID Exception ID Date Exception Category Exception Subcategory Exception Description Exception Comments Seller Response Reviewer Response Compensating Factors Exception Status Cleared Date Exception Approved Pre Origination Initial Exception Grade Final Exception Grade Initial DBRS Exception Grade Final DBRS Exception Grade Initial Moodys Exception Grade Final Moodys Exception Grade Initial Fitch Exception Grade Final Fitch Exception Grade Initial Kroll Exception Grade Final Kroll Exception Grade Initial S&P Exception Grade Final S&P Exception Grade
  XXXXX 3158707035 finding-3367 10/06/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Unable to Resolve-Concur. HOC generated XX/XX/XXXX Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.78% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Unable to Resolve     B B B B B B B B B B B B
  XXXXX 3158707035 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.78% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707035 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.78% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.78% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707039 finding-3367 10/06/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Unable to Resolve-Concur Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Unable to Resolve     B B B B B B B B B B B B
  XXXXX 3158707039 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707039 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707042 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.18% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.18% is less than Guideline CLTV of 95% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707042 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.18% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.18% is less than Guideline CLTV of 95% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707042 FPRO2924 09/28/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. As per the most recent AUS (LP), the LP findings indicate the property received a PIW and hence, no further documentation is required.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.18% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.18% is less than Guideline CLTV of 95% Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707043 finding-3367 10/06/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Unable to Resolve-Concur Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Unable to Resolve     B B B B B B B B B B B B
  XXXXX 3158707043 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707043 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707044 finding-3367 10/06/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. Unable to Resolve-Concur. Homeownership counseling doc was not generated until XX/XX/XXXX XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.54% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.54% is less than Guideline LTV of 95% Unable to Resolve     B B B B B B B B B B B B
  XXXXX 3158707044 FPRO9990 10/09/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is required due to PIW on DU. Document Uploaded. Please see attached drive-by appraisal supporting value. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.54% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.54% is less than Guideline LTV of 95% Resolved 10/09/2026   C A C A C A C A C A C A
  XXXXX 3158707044 FCOM1252 10/06/2026 Compliance Missing Doc TRID: Missing Loan Estimate Documentation required to clear exception: Please provide pg XXX of the loan estimated dated XX/XX/XXXX. Document Uploaded. Do not Concur. Initial XXX was sent to the customer XXX. Please see attached all XXX pages of the XXX too.  XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707044 finding-3652 10/06/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. On final CD the lender credit was applied towards increased closing costs. A COC justifying the decrease was not located in the loan file. Document Uploaded. Do not Concur. Valid XXX for loan amount and loan points XXX. Final CD disclosed timely. XXX pricing decreased. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.54% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.54% is less than Guideline LTV of 95% Resolved 10/06/2026   C A C A C A C A C A C A
  XXXXX 3158707044 finding-3634 10/06/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Document Uploaded. Do not Concur. Initial LE was sent to the customer XXX. Please see attached all XXX pages of the LE too.  XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.54% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.54% is less than Guideline LTV of 95% Resolved 10/06/2026   C A C A C A C A C A C A
  XXXXX 3158707044 finding-3635 10/06/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Document Uploaded. Do not Concur. Initial LE was sent to the customer XXX. Please see attached all XXX pages of the LE too.  XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.54% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.54% is less than Guideline LTV of 95% Resolved 10/06/2026   C A C A C A C A C A C A
  XXXXX 3158707044 finding-3515 10/06/2026 Compliance TRID Initial Loan Estimate Delivery Date Test (from application) This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. Document Uploaded. Do not Concur. Initial LE was sent to the customer XXX. Please see attached all XXX pages of the LE too.  XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.54% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.54% is less than Guideline LTV of 95% Resolved 10/06/2026   C A C A C A C A C A C A
  XXXXX 3158707044 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.54% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.54% is less than Guideline LTV of 95% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707044 FPRO2924 09/28/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. TPV is required.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.54% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.54% is less than Guideline LTV of 95% Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707047 finding-3634 10/07/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do not Concur. Valid CICs for appraised value and loan points XXX. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the discount points. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.62% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.62% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707047 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.62% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.62% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707047 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.62% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.62% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707050 finding-3367 10/08/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. Unable to Resolve-Concur. HOC generated XX/XX/XXXX XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 95% Unable to Resolve     B B B B B B B B B B B B
  XXXXX 3158707050 finding-3652 10/08/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Document Uploaded. Do not Concur. Valid CICs for loan amount and loan points XXX. Initial CD sent timely; Document Uploaded. Do not Concur. Initial LE attached and sent to the customer XX/XX/XXXX XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 95% Resolved 10/08/2026   C A C A C A C A C A C A
  XXXXX 3158707050 finding-3634 10/07/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Document Uploaded. Do not Concur. Initial LE attached and sent to the customer XX/XX/XXXX XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 95% Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707050 finding-3635 10/07/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Document Uploaded. Do not Concur. Initial LE attached and sent to the customer XX/XX/XXXX XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 95% Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707050 finding-3515 10/07/2026 Compliance TRID Initial Loan Estimate Delivery Date Test (from application) This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. Document Uploaded. Do not Concur. Initial LE attached and sent to the customer XX/XX/XXXX XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 95% Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707050 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 95% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707050 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 95% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707052 finding-3634 10/07/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. Document Uploaded. Do not concur. Valid CIC for complexity XXX. Le sent timely.  XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707052 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707052 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707053 finding-3367 10/06/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Unable to Resolve-Concur. Homeownership counseling doc was not generated until XX/XX/XXXX This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 97% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 85% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Unable to Resolve     B B B B B B B B B B B B
  XXXXX 3158707053 finding-3652 10/06/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Do not Concur. Valid CICs for Lnrate and loan points XXX. CD disclosed premium pricing decreasing timely.  TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on the CD dated XX/XX/XXXX to XXX on the Final CD dated XX/XX/XXXX. File does not contain a COC for the decrease. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707053 FCRE1130 09/30/2026 Credit Missing Doc Mortgage Insurance Cert Missing Mortgage Insurance is Present but Mortgage Insurance Cert is missing. Mortgage Insurance is Present but Mortgage Insurance Cert is missing. Document Uploaded. see attached XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 97% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 85% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707053 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 97% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 85% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707059 finding-3634 10/07/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do not concur. Valid CIC for required Subordination fee XXX XX/XX/XXXX CD disclosed timely same day. Fee actually decreased at closing. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the XXX XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 48.94% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.94% is less than Guideline CLTV of 90% Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707059 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 48.94% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.94% is less than Guideline CLTV of 90% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707059 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 48.94% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.94% is less than Guideline CLTV of 90% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707062 FPRO8998 10/01/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.35% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.35% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/01/2026   A A A A A A A A A A A A
  XXXXX 3158707062 FCRE8999 10/01/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.35% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.35% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/01/2026   A A A A A A A A A A A A
  XXXXX 3158707062 FCOM8997 10/01/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.35% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.35% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/01/2026   A A A A A A A A A A A A
  XXXXX 3158707064 finding-3367 10/14/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. Unable to Resolve-Concur. HOC not generated until XXX; Unable to Resolve-Concur. HOC not generated until XX/XX/XXXX XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Unable to Resolve     B B B B B B B B B B B B
  XXXXX 3158707064 finding-3635 10/14/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: Cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The XXX% tolerance exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Document Uploaded. Please see attached PCCD package; Document Uploaded. Do not concur. Please see attached that XXX was already cured for XXX% tolerance violation. Please correct the amount of cure you are requesting,; Document Uploaded. Do not Concur. Valid CIC for new exception request for vesting change. Le sent timely XXX; Document Uploaded. Please see attached Initial LE and proof it was sent to the customer XX/XX/XXXX XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Cured     C B C B C B C B C B C B
  XXXXX 3158707064 finding-3634 10/09/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: Cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The zero tolerance exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do not Concur. See valid CICs for lock extension and loan points XXX. CD disclosed timely; Please give time frame and document LE/CD in question for increased loan discount points for us to be able to further understand the new exception request. ; Document Uploaded. Do not Concur. Valid CIC for new exception request for vesting change. Le sent timely XXX; Document Uploaded. Please see attached Initial LE and proof it was sent to the customer XX/XX/XXXX XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/09/2026   C A C A C A C A C A C A
  XXXXX 3158707064 finding-3515 10/07/2026 Compliance TRID Initial Loan Estimate Delivery Date Test (from application) This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date, XX/XX/XXXX. Document Uploaded. Please see attached Initial LE and proof it was sent to the customer XX/XX/XXXX XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707064 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707064 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707065 finding-3634 10/07/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do not Concur. Valid CIC and complexity comments attached for appraisal increase. Valid CIC XX/XX/XXXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX for the increase in the Appraisal fee on the LE issued XX/XX/XXXX without a valid reason. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707065 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707065 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707067 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Yes | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707067 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Yes | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707067 FPRO2924 09/28/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Yes | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707068 finding-3532 10/07/2026 Compliance TRID Initial Closing Disclosure Delivery Date Test This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. Document Uploaded. Do not Concur. Final CD sent electronically on XXX XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.52% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.52% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707068 FCOM9186 10/07/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Do not Concur. See econsent on XX/XX/XXXX XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.52% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.52% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   B A B A B A B A B A B A
  XXXXX 3158707068 FPRO9990 09/30/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. PIW per LP #XXX. Unable to locate any pdr or avm in file or folders in dd2.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.52% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.52% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707068 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.52% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.52% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707068 FPRO2924 09/28/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW per LP #XXX.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.52% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.52% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707069 FPRO9990 10/09/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Loan approved with PIW, but missing third-party valuation product required for securitization purposes. Document Uploaded. Please see attached drive-by appraisal supporting value. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.97% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.97% is less than Guideline CLTV of 105% Resolved 10/09/2026   C A C A C A C A C A C A
  XXXXX 3158707069 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.97% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.97% is less than Guideline CLTV of 105% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707069 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Loan was approved with PIW per AUS   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.97% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.97% is less than Guideline CLTV of 105% Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707069 FCOM2002 09/29/2026 Compliance Closing Disclosed Escrow is Not Accurate on Final CD and/or PCCD Disclosed Escrow is Not Accurate on Final CD and/or PCCD. Documentation required- Provide PCCD correcting the escrowed property cost over year XXX payment section on page XXX Cure package requires a PCCD and LOE.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.97% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.97% is less than Guideline CLTV of 105% Open     C C C C C C C C C C C C
  XXXXX 3158707071 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 35.43% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.86% is less than Guideline CLTV of 95% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707071 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 35.43% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.86% is less than Guideline CLTV of 95% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707071 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 35.43% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.86% is less than Guideline CLTV of 95% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707073 finding-3635 10/07/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Document Uploaded. Do not Concur. Valid CIC for vesting change XX/XX/XXXX TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the increase to the Lender's Title Policy, Title Deed Prep from XX/XX/XXXX to XXX and Mortgage Recording Fee from XXX to XXX No COC's were in the file. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707073 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707073 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707073 FCOM2002 09/29/2026 Compliance Closing Disclosed Escrow is Not Accurate on Final CD and/or PCCD Disclosed Escrow is Not Accurate on Final CD and/or PCCD. Documentation required - Provide PCCD correcting the escrowed property costs over XXX year section on page XXX Cure package requires a PCCD and LOE.     Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Open     C C C C C C C C C C C C
  XXXXX 3158707074 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.43% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.43% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707074 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.43% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.43% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707074 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.43% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.43% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707075 FCOM9186 10/06/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Please see attached EConsent screen XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/06/2026   B A B A B A B A B A B A
  XXXXX 3158707075 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707075 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707078 finding-3367 10/06/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide Homeownership Counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. The HOC disclosure provided is dated XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Unable to Resolve-Concur XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 25.86% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.86% is less than Guideline CLTV of 80% Unable to Resolve     B B B B B B B B B B B B
  XXXXX 3158707078 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 25.86% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.86% is less than Guideline CLTV of 80% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707078 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 25.86% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.86% is less than Guideline CLTV of 80% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707079 finding-3367 10/06/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXX (XX/XX/XXXX LEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXX (XX/XX/XXXX LEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Unable to Resolve-Concur. HOC not generated until XX/XX/XXXX Documentation required to clear exception:  Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Unable to Resolve     B B B B B B B B B B B B
  XXXXX 3158707079 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707079 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707080 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. na | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX na Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707080 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. na | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX na Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707080 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. na | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX na Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707081 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75.32% is less than Guideline LTV of 97% na | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.32% is less than Guideline CLTV of 97% na | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX na | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% na Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707081 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75.32% is less than Guideline LTV of 97% na | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.32% is less than Guideline CLTV of 97% na | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX na | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% na Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707081 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75.32% is less than Guideline LTV of 97% na | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.32% is less than Guideline CLTV of 97% na | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX na | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% na Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707084 finding-3634 10/07/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal. The change occurred on LE issued XX/XX/XXXX without a valid COC. Providing a reason for the change may cure the violation. Document Uploaded. Do not Concur. Valid CIC for appraisal complexity XXX. Le disclosed timely same day and complexity comments attached XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707084 finding-4038 10/07/2026 Compliance ComplianceEase Qualified Mortgage Lending Policy Points and Fees Test This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Cure required: Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The following fees were included in the calculation: financial verification fee ($XXX), points-loan discount fee XXX and processing fee ($XXX). If Discount Points are bonafide and excludable, providing the XXX (undiscounted) rate may cure the violation. Document Uploaded. Please see attached undiscounted rate XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707084 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707084 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707087 finding-3634 10/07/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do not Concur. Valid CICs for lock extension and loan points XXX. CD disclosed timely TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the points-loan discount fee. Providing a non-draft copy of the revised CD dated XX/XX/XXXX may cure the violation. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707087 FCRE3978 10/01/2026 Credit Missing Doc Missing Letter of Explanation (Credit) Please provide Credit Supplements for the following Inquires if these Inquires resulted any new Liabilities : XXX XXX CARD Inquiry date : XX/XX/XXXX: SYNCB/PPMC Inquiry date: XX/XX/XXXX Please Provide letter of Explanation or Credit Supplement.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707087 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707087 FCOM1232 09/29/2026 Credit Missing Doc The Final 1003 is Missing The Final 1003 is Missing. Final 1003 Indicator is missing please provide the Final 1003 signed by the Borrower     Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Open     D D D D D D D D D D D D
  XXXXX 3158707088 finding-3635 10/12/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Document Uploaded. Do not Concur. The ten percent baseline on the initial LE was $XXX. The final CD ten percent fees did not go over the baseline. Invalid exception.  Do not Concur. The Title-notary fee was disclosed upfront on the initial LE and the initial CD. This fee was part of the XXX% baseline. The XXX% fees did not increase over baseline. No cure due back. Document Uploaded. Do not Concur. Valid CICs for XXX Document Uploaded. Please see attached PCCD package   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.37% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.37% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Cured     C B C B C B C B C B C B
  XXXXX 3158707088 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.37% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.37% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707088 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.37% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.37% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707091 FCOM9186 10/07/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Econsent attached XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   B A B A B A B A B A B A
  XXXXX 3158707091 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707091 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707095 FCOM9186 10/06/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Please see attached EConsent screen XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/06/2026   B A B A B A B A B A B A
  XXXXX 3158707095 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707095 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707097 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.31% is less than Guideline CLTV of 97% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.31% is less than Guideline LTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707097 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.31% is less than Guideline CLTV of 97% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.31% is less than Guideline LTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707097 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.31% is less than Guideline CLTV of 97% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.31% is less than Guideline LTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707098 finding-3635 10/07/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Document Uploaded. Do not Concur. Valid CICs for vesting change XX/XX/XXXX and XX/XX/XXXX   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707098 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707098 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707100 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707100 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707100 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707101 finding-3634 10/07/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do not Concur. Valid CICs appraised value and loan points XXX. Le disclosed timely TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on LE XX/XX/XXXX without a valid COC. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707101 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707101 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707107 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707107 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707107 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707113 FCRE1186 09/30/2026 Credit Eligibility Audited DTI Exceeds AUS DTI Audited DTI of XXX% exceeds AUS DTI of XXX%   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707113 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.23% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.23% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707113 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.23% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.23% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707116 finding-3634 10/06/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for Transfer Taxes on the CD dated XX/XX/XXXX. No COC is in the file. A XXX reimbursement was issued at closing, XXX of which was applied to XXX% failure leaving XXX which was applied to the total cure amount This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. Please see system snip showing that the appraisal was received and loan changes happened after this inclusing interest rate changes. Once the property valuation and other data from it were received the updated transfer taxes were added and disclosed timely to the borrower. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 43.62% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.62% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/06/2026   C A C A C A C A C A C A
  XXXXX 3158707116 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 43.62% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.62% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707116 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 43.62% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.62% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707117 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.34% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.34% is less than Guideline CLTV of 96% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707117 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.34% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.34% is less than Guideline CLTV of 96% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707117 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.34% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.34% is less than Guideline CLTV of 96% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707118 FCOM1851 10/06/2026 Compliance Disclosure Incorrect rescission model used - XXX form model H-8 used for Same Lender or Lender Affiliate Refinance Incorrect rescission model used - XXX form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance. Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-XXX (New Lender) form was used and should have been H-XXX (Same Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. Document Uploaded. Do Not Concur. The original creditor field in XXX was correctly entered as a XXX affiliate which matched the Title schedule B. The rescindable amount is negative value. There were netting escrows on the XXX payoff and the escrow balance on that lien was negative also. These negative amounts play a role in the XXX system to why the H-XXX form was selected. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 38.83% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.83% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/06/2026   D A D A D A D A D A D A
  XXXXX 3158707118 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 38.83% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.83% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707118 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 38.83% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.83% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707119 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707119 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707119 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707120 finding-3367 10/09/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX business days of application date of XX/XX/XXXX. Document Uploaded. Do Not Concur. Please see system snips showing that the application was achieved on XX/XX/XXXX, likely electronically via the app or web page since this was a Sunday, and please see that the loan application package which contains the HomeOwnership Counseling Notice was printed / generated and delivered electronically to the borrower on XX/XX/XXXX. ; Document Uploaded. Do Not Concur. The loan application was achieved in the system on XX/XX/XXXX which was a Sunday, XX/XX/XXXX was a Monday normal business day which everything processed. The XXX was sent and received electronically on XX/XX/XXXX. Please see system and doc snips showing dates. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/09/2026   B A B A B A B A B A B A
  XXXXX 3158707120 finding-3652 10/06/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. The lender credits are premium pricing in this situation and the loan amount changed on XX/XX/XXXX which caused pricing to change. This was disclosed timely to the borrower. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/06/2026   C A C A C A C A C A C A
  XXXXX 3158707120 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707120 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707121 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.94% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.94% is less than Guideline LTV of 95% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707121 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.94% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.94% is less than Guideline LTV of 95% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707121 FPRO2924 09/25/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Ace/PIW approved on AUS.     Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.94% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.94% is less than Guideline LTV of 95% Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707122 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707122 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707122 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707123 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 80% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707123 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 80% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707123 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.62% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.62% is less than Guideline LTV of 80% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707124 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.59% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.59% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707124 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.59% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.59% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707124 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.59% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.59% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707128 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.87% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.87% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707128 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.87% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.87% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707128 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.87% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.87% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707130 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707130 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707130 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707131 FCRE7497 10/02/2026 Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Missing HOA Final 1003 has an amount of XXX with no supporting docs in file or LOE Document Uploaded. see attached XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   D A D A D A D A D A D A
  XXXXX 3158707131 FCRE1437 10/01/2026 Credit Income/Employment Income and Employment Do Not Meet Guidelines Income and Employment Do Not Meet Guidelines. The loan file only contains a VVOE for both borrower's but it did not contain the income breakdown. The bank Statements reflect they were getting paid from their employer though direct deposit but income could not be calculate accurately from this source. Missing all income documentation to verify employment and income for both B1 and B2.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707131 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707131 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707132 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707132 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707132 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707133 FCOM6529 09/29/2026 Compliance TRID Final CD: Escrowed Property Costs over Year 1 description is missing or inaccurate Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one and a completed dollar amount for the property costs over XXX year.   Cure package requires a PCCD and LOE. Document Uploaded. Do Not Concur. The escrow account section on pg XXX of the CD is completed with a description of "Mortgage Insurance", the borrower did choose to have an escrow account and it is marked as such on PgXXX XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707133 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707133 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707134 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707134 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707134 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707136 FPRO9990 09/30/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The loan was approved with a Property Inspection Waiver (PIW); however, the third-party valuation product required for securitization purposes is missing   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707136 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707136 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707136 FPRO2924 09/24/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. The loan was approved with a Property Inspection Waiver (PIW) per AUS.     Borrower has stable job time - Borrower has XXX years on job. Acknowledged   Yes B B B B B B B B B B B B
  XXXXX 3158707145 finding-3652 10/07/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on Final CD XX/XX/XXXX without a COC. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do not Concur. Valid CIC for lock expiration and loan points XXX. CD disclosed timely same day XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707145 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707145 FCRE1148 09/29/2026 Credit Title Title Coverage is Less than Subject Lien Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Open     B B B B B B B B B B B B
  XXXXX 3158707147 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707147 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707147 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707148 FCRE3978 10/01/2026 Credit Missing Doc Missing Letter of Explanation (Credit) Please provide letter of explanation for credit supplement for the recent XXX credit inquiries reflecting in credit report for XXX and XXX. The inquiry dates are XX/XX/XXXX.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707148 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.91% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.91% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707148 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.91% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.91% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707154 FCOM9186 10/07/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Do not concur. Original Econsent date occurred XX/XX/XXXX when the customer viewed the initial LE. The customer esigned the docs on XXX. There is no issue with Econsent on this loan; Document Uploaded. Please see attached EConsent screen XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.08% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.08% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/07/2026   B A B A B A B A B A B A
  XXXXX 3158707154 FCOM3849 10/06/2026 Compliance Disclosure Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1)) The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The borrower signed the XXX-day appraisal delivery waiver, but there is no evidence a copy of the appraisal was provided at or prior to closing. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. Document Uploaded. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707154 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.08% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.08% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707154 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.08% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.08% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707155 finding-3634 10/08/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do not Concur. XXX received the appraisal XX/XX/XXXX and final inspection was required. Valid CIC XXX. LE sent timely Do not Concur. It's all about when XXX "Receives" the appraisal. The data gets input into the system showing a final inspection was required. XXX received the appraisal and invoice on XXX. The Closing Disclosure was issued SAME day to the customer with the final inspection added due to the valid CIC. NO cure due back. Document Uploaded. Do not Concur. LE already in file and sent to the customer XX/XX/XXXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Final Inspection. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 43.33% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.33% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/08/2026   C A C A C A C A C A C A
  XXXXX 3158707155 FCRE1347 10/02/2026 Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing. Borrower 2 3rd Party VOE Prior to Close Missing. Document Uploaded. Income verified via Property management company cash flow for last XXX months and acceptable. Doc date XX/XX/XXXX XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 43.33% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.33% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/02/2026   D A D A D A D A D A D A
  XXXXX 3158707155 FCRE1316 10/02/2026 Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing. Borrower 1 3rd Party VOE Prior to Close Missing. Document Uploaded. Income verified via Property management cash flow for last XXX months and acceptable. Doc date XX/XX/XXXX XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 43.33% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.33% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/02/2026   D A D A D A D A D A D A
  XXXXX 3158707155 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 43.33% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.33% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707158 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 12.75% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.75% is less than Guideline LTV of 97% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707158 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 12.75% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.75% is less than Guideline LTV of 97% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707158 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 12.75% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.75% is less than Guideline LTV of 97% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707163 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 52% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707163 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 52% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707163 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 52% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707164 FCOM1621 10/07/2026 Compliance Missing Doc Missing Initial Escrow Disclosure Initial Escrow Account Disclosure is Missing. Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure. Document Uploaded. Please see attached XXX XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   B A B A B A B A B A B A
  XXXXX 3158707164 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707164 FCRE9785 09/29/2026 Credit Missing Doc Purchase Contract is Incomplete Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. The purchase contract in file is illegible.     Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Open     B B B B B B B B B B B B
  XXXXX 3158707165 FCRE0377 10/06/2026 Credit Data The Total Hazard Coverage is LESS than the Required Coverage Amount The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Coverage amount does not cover the loan amount. Hazard Insurance list Extended Replacement Cost in Additional Coverage pg XXX in file build. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707165 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 77.54% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.54% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707165 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 77.54% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.54% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707167 finding-3635 09/29/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Document Uploaded. Do Not Concur. The recording fee increased because a POA was needed, please see system snip of the CIC. This was disclosed timely to the borrower on CD v3. TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   C A C A C A C A C A C A
  XXXXX 3158707167 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707167 FPRO2924 09/24/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. The loan was approved with A PIW per AUS     Borrower has stable job time - Borrower has XXX years on job. Acknowledged   Yes B B B B B B B B B B B B
  XXXXX 3158707168 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707168 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707168 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707169 finding-3634 09/30/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. Please see system snip showing a CIC for credit score changing which affected pricing and the discount points increased. This was disclosed timely on XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase in Discount Points on the LE issued XX/XX/XXXX and XX/XX/XXXX without a valid reason in file. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707169 FCRE5116 09/30/2026 Credit Missing Doc Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing verification of mortgage for XXX or proof property owned free & clear Document Uploaded. Please see Residence Reference Guideline which States to follow AUS findings when the mortgage payment is not included on Customer's credit report XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707169 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707174 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707174 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707174 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707176 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707176 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707176 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707177 finding-3634 09/30/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. Please see system snip and signed CD showing that a cure for this fee was applied at closing.   XXX: Clear   Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707177 FCRE1964 09/29/2026 Credit Missing Doc Missing income documentation Lender qualified borrower with Pension income of XXX per month however documentation to support receipt of this income was not provided Document Uploaded. see notes from UW on income: XXX  provided, as well as proof of current receipt of XXX income as of XX/XX/XXXX. Gross income is XXX per month. Documentation provided to confirm the customer s XXX amount for XXX for her XXX is $XXX. That is a monthly income of XXX based on the XXX amount only. XXX  Statement verifies customer took distributions of $XXX from the XXX in XXX The customer has a history of taking IRA distributions verified. XXX XXX has not yet been taken. But have the history from XXX verified. XXX income of XXX is fully supported. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707177 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707184 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.51% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.51% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707184 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.51% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.51% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707184 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.51% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.51% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707185 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707185 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707185 FPRO2924 09/24/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. LP verified Loan is eligible for collateral representation and warranty relief with ACE (PIW) no appraisal is required.     Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   Yes B B B B B B B B B B B B
  XXXXX 3158707189 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707189 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707189 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707190 finding-3635 10/01/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Document Uploaded. Please see PCCD and Refund sent to the borrower. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee. A COC justifying the increase was not found in the loan file. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Cured     C B C B C B C B C B C B
  XXXXX 3158707190 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707190 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707191 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707191 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707191 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707192 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707192 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707192 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707198 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707198 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707198 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707199 FCRE7497 10/02/2026 Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Missing verification of taxes, insurance, and/or HOA fees for non-subject property. REO Property #XXX : The lender's calculated property tax amount could not be verified due to the absence of supporting tax documentation. Therefore, the auditor calculated the property tax amount based on the available information and updated it in the income worksheet. A property tax document is required for verification. REO Property #XXX XXX : Recent HOA documentation is required. However, the Property Profile Report reflects an association fee of XXX Supporting documentation is required to verify the HOA amount. Document Uploaded. See attached XXX Internal printout which documents taxes. for the XXX. Also for XXX, the HOI is only XXX per month, Here are UW notes to the file: XX/XX/XXXX trust tax returns - UW does see the rental property reported at XXX XXX  - there is a fee listed for XXX as association dues on both XX/XX/XXXX returns therefore must be a very small dues which UW using this as reported due to XXX yrs listed this way. UW using the HOI from returns of XXX however taxes listed are only for part of what is actually due therefore UW using the 1st half from XXX of XXX + 2nd installment from XXX of $ XXX for total of XXX + the XXX HOA for total expenses of XXX / XXX = $XXX. UW using only XXX returns for rental income for net loss (-$XXX) used to qualify. XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.48% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   D A D A D A D A D A D A
  XXXXX 3158707199 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.48% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707199 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.48% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707200 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.46% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.46% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707200 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.46% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.46% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707200 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.46% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.46% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707203 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707203 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707203 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707204 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707204 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707204 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707206 FCRE1173 10/02/2026 Credit Missing Doc HO6 Master Insurance Policy is Missing Missing HO-6 Master Insurance Policy. FNMA condo approval indicates Master Insurance Policy includes HO-6, but the master policy document is missing from the file. Document Uploaded. Master Policy provided XXX: Clear   Resolved 10/02/2026   D A D A D A D A D A D A
  XXXXX 3158707206 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707206 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707208 FPRO9990 09/30/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707208 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707208 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707208 FPRO2924 09/24/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707209 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.45% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707209 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.45% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707209 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.45% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707215 finding-3652 09/30/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on CD XX/XX/XXXX without a valid COC. Document Uploaded. Do Not Concur. Please see system snip of the CIC for loan amount change, the lender credits here are premium pricing and the loan amount change caused this premium pricing to adjust. This was disclosed timely on CD v2. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707215 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707215 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707216 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707216 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707216 FPRO2924 09/24/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. LPA accepted the value as submitted. Property is eligible for an Appraisal waiver. An Appraisal is not required.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707218 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707218 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707218 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. AUS approved PIW. roker Price Opinion in folder BPI+PIW has been completed in XXX   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707221 FCRE1157 09/30/2026 Credit Missing Doc Hazard Insurance Policy is Missing Missing Hazard Insurance Policy.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707221 FCOM1221 09/30/2026 Credit Missing Doc The Deed of Trust is Incomplete The Deed of Trust is Incomplete.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707221 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707221 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707221 FCRE1119 09/30/2026 Credit Closing Borrower 2 Deed of Trust Signature does not match Note Borrower 2 Signature does not match Note.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Open     C C C C C C C C C C C C
  XXXXX 3158707222 FPRO9990 09/30/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance.   XXX: Clear   Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707222 FPRO2924 09/24/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear   Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707222 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707222 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707223 FCOM5814 09/30/2026 Compliance TRID TRID: Closing Disclosure Deficiency Documentation required to clear exception: The initial CD dated XX/XX/XXXX and the post-close CD dated XX/XX/XXXX reflect many missing fields. Please provide both legible CD's for additional testing. Document Uploaded. Please see CDs from XX/XX/XXXX and XX/XX/XXXX uploaded XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707223 FCOM9967 09/30/2026 Compliance TRID TRID: Loan Estimate Deficiency Documentation required to clear exception: The initial LE dated XX/XX/XXXX and the revised LE dated XX/XX/XXXX reflect many missing fields. Please provide both legible LE's for additional testing. Document Uploaded. Please see LEs from XX/XX/XXXX and XX/XX/XXXX uploaded XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707223 FPRO9990 09/28/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Document Uploaded. Please see attached AVM supporting value. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   C A C A C A C A C A C A
  XXXXX 3158707223 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707223 FPRO2924 09/24/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707224 finding-3652 10/01/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. There are valid CICs on XX/XX/XXXX for the loan amount and the interest rate changing, the lender credits here are premium pricing and changed when the rate and loan amount changed, please see system snips showing the CICs. The changes disclosed timely to the borrower. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The lender credit violation in the amount of XXX is due to the reduction of lender credits: There was a cure given in the amount of XXX which went toward the lender credit decrease violation of $XXX. -A lender credit of XXX was reduced to XXX on the revised CD dated XX/XX/XXXX. The file does not contain a valid COC for the reduction of the lender credit. XXX: Clear   Resolved 10/01/2026   C A C A C A C A C A C A
  XXXXX 3158707224 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707224 FPRO2924 09/24/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear   Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707226 finding-3652 10/01/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. There are valid CICs on XX/XX/XXXX and XX/XX/XXXX for the pricing and loan points changing as well as the appraised value being returned and entered. The lender credits are premium pricing and changed due to these CICs, this was disclosed timely to the borrower. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX for Lender Credits on the LE issued XX/XX/XXXX without a valid reason in the file. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/01/2026   C A C A C A C A C A C A
  XXXXX 3158707226 FCRE1358 09/30/2026 Credit Missing Doc Borrower 2 W2/1099 Missing Borrower 2 W2/1099 Missing. Borrower 2 W2s forms are corrupted and not legible. Document Uploaded. There were redaction issues, see attached. Thanks XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707226 FCRE1130 09/29/2026 Credit Missing Doc Mortgage Insurance Cert Missing Mortgage Insurance is Present but Mortgage Insurance Cert is missing. Missing MI certification. Document Uploaded. see attached XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   D A D A D A D A D A D A
  XXXXX 3158707226 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707231 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.08% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.08% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707231 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.08% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.08% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707231 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.08% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.08% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707233 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707233 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707233 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. As per AUS property is Appraisal waiver   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707235 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.03% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.03% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707235 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.03% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.03% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707235 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.03% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.03% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707237 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations. no compliance findings   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707237 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines. no credit findings   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707237 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707239 FPRO9990 10/12/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Document Uploaded. Please see attached drive-by appraisal supporting value. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.43% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.43% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/12/2026   C A C A C A C A C A C A
  XXXXX 3158707239 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.43% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.43% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707239 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.43% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.43% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707239 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. As per AUS, Property is Appraisal Waiver   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.43% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.43% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707245 FCRE1253 10/12/2026 Credit Eligibility Missing Property Tax Cert Missing Property Tax Cert. The file contained various amounts of monthly taxes used by the Lender. Per the AUS DU, the lender used monthly property taxes of $XXX; per the Final CD, the estimated escrowed taxes were $XXX; however, no supporting documentation was provided to validate the tax amount. The auditor calculated the property taxes based on the available documentation. A subject property tax document is required to verify the taxes used in the qualification. The updated tax calculator that was uploaded is correct, I reviewed and unable to determine where the higher amount of XXX estimated total taxes was derived from, however using the lower amount would result in a lower DTI and would have no impact on the decision to the loan and no resubmission to AUS would be required. Since this is new construction, Underwriter is required include the total estimated taxes based on land and improvements for qualification, while we may only escrow in the payment for the land only based on the tax cert in the file (if the property is not fully assessed). There is no impact on this loan. ; Document Uploaded. Tax Estimator tool provided XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.39% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.39% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/12/2026   C A C A C A C A C A C A
  XXXXX 3158707245 FCRE1316 09/30/2026 Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing. Please provide an updated Verification of Employment within XXX days of the Note date of XX/XX/XXXX.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707245 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.39% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.39% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707245 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.39% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.39% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707250 FCRE1248 10/07/2026 Credit Eligibility Purchase is not considered to be an Arm's Length Transaction Purchase is not considered to be an Arm's Length Transaction. as per Final CD and 1003 the transaction is non-arm's length transaction. gift of equity has been given by the relative and documented in file final CD,1003 Unable to Resolve-Unable to resolve. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Unable to Resolve     C C C C C C C C C C C C
  XXXXX 3158707250 finding-3652 10/06/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. The lender credit of XXX was not premium pricing in this case, it was a credit that was due to increases in fees on XXX, these fees reduced back down on XXX so this credit was no longer needed. This was not a credit that was promised to the borrower up front, this was disclosed timely to the borrower. TILA 130 Cure Required. Refund in the amount of $XXX; Cure package requires a PCCD, LOE, Copy of Refund Check and Proof of Delivery or Valid COC. The Lender Credit tolerance violation in the amount XXX is due to decrease in Lender Credit from XXX to $XXX. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707250 finding-3634 10/06/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. Please see system snips describing the property complexity and the need for an increased appraisal fee, this was disclosed timely to the borrower.; TILA 130b Cure Required. Refund in the amount of $XXX; Cure Package requires a PCCD, LOE, Copy of Refund Check and Proof of Delivery or Valid COC. The Zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/06/2026   C A C A C A C A C A C A
  XXXXX 3158707250 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707253 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.25% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.25% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707253 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.25% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.25% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707253 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.25% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.25% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707255 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707255 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707255 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707257 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 25.9% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.9% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707257 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations. no compliance findings   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 25.9% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.9% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707257 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines. no credit findings   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 25.9% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.9% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707259 FCOM8997 10/01/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 77.97% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.97% is less than Guideline CLTV of 105% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   A A A A A A A A A A A A
  XXXXX 3158707259 FCRE8999 10/01/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 77.97% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.97% is less than Guideline CLTV of 105% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   A A A A A A A A A A A A
  XXXXX 3158707259 FPRO8998 10/01/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 77.97% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.97% is less than Guideline CLTV of 105% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   A A A A A A A A A A A A
  XXXXX 3158707261 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 29.55% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.55% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707261 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 29.55% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.55% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707261 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 29.55% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.55% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707262 finding-3532 10/07/2026 Compliance TRID Initial Closing Disclosure Delivery Date Test This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Document Uploaded. Do Not Concur. Please see system snips of proof of electronic receipt of the closing disclosure by the borrower. Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 32.68% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.68% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707262 finding-3652 10/07/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur.  The lender credits on this loan are premium pricing, the loan amount changed on XX/XX/XXXX and this caused the pricing to change which caused this lender credit to adjust. Please see system snips showing the CIC. This was disclosed timely to the borrower. TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the final XX/XX/XXXX CD without a COC. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 32.68% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.68% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707262 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 32.68% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.68% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707262 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 32.68% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.68% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707263 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 34.9% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.9% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707263 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 34.9% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.9% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707263 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 34.9% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.9% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707265 FPRO8998 10/01/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% Resolved 10/01/2026   A A A A A A A A A A A A
  XXXXX 3158707265 FCOM8997 10/01/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% Resolved 10/01/2026   A A A A A A A A A A A A
  XXXXX 3158707265 FCRE8999 10/01/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% Resolved 10/01/2026   A A A A A A A A A A A A
  XXXXX 3158707266 FCRE1491 09/30/2026 Credit Assets Asset Qualification Does Not Meet Guideline Requirements Asset Qualification Does Not Meet Guideline Requirements. Asset is XXX IRA account is more then XXX days so we need updated bank Statement.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707266 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.27% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.27% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707266 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.27% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.27% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707267 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.67% is less than Guideline CLTV of 105% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.67% is less than Guideline LTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707267 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.67% is less than Guideline CLTV of 105% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.67% is less than Guideline LTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707267 FPRO2924 09/30/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. The loan was approved with PIW per AUS   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.67% is less than Guideline CLTV of 105% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.67% is less than Guideline LTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707270 FCOM1232 09/29/2026 Credit Missing Doc The Final 1003 is Missing The Final 1003 is Missing. In file build pg XXX-XXX, loan was a hybrid closing XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707270 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.09% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.09% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707270 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.09% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.09% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707276 finding-3634 10/01/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. Please see system snips of CIC for pricing changes on XX/XX/XXXX, this changed the discount points and this was disclosed timely to the borrower on XXX TILA 130b Cure Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on the CD dated XX/XX/XXXX. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 10/01/2026   C A C A C A C A C A C A
  XXXXX 3158707276 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707276 FPRO2924 09/25/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Loan was approved with PIW per AUS     Borrower has stable job time - Borrower has XXX years on job. Acknowledged   Yes B B B B B B B B B B B B
  XXXXX 3158707278 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707278 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707278 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707279 FPRO2924 09/29/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707279 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707279 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707285 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.43% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.43% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707285 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.43% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.43% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707285 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.43% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.43% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707286 FPRO2924 10/15/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 79.8% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.8% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707286 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 79.8% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.8% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707286 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 79.8% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.8% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707288 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707288 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707288 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707290 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707290 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707290 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707292 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 25.75% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.75% is less than Guideline CLTV of 97% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707292 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 25.75% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.75% is less than Guideline CLTV of 97% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707292 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 25.75% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.75% is less than Guideline CLTV of 97% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707293 FCRE1437 09/29/2026 Credit Income/Employment Income and Employment Do Not Meet Guidelines Income and Employment Do Not Meet Guidelines. The AUS verified income via XXX direct deposit records, granting representation and warranty relief if the report is retained in file. However, the XXX Statement provided shows a biweekly amount of XXX which does not support the XXX monthly qualifying income used by the lender. Clarification is required to bridge this discrepancy.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707293 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707293 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707296 FCRE1173 10/06/2026 Credit Missing Doc HO6 Master Insurance Policy is Missing Missing HO-6 Master Insurance Policy. Master Policy missing Document Uploaded. HOI provided; Master Policy in file build page XXX-XXX XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 10/06/2026   D A D A D A D A D A D A
  XXXXX 3158707296 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707296 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707303 FCOM1232 10/01/2026 Credit Missing Doc The Final 1003 is Missing The Final 1003 is Missing. The Final 1003 is Missing. Final Loan Application in file build pg XXX-XXX, XXX-XXX XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707303 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707303 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707304 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707304 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707304 FPRO2924 09/24/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Per AUS, loan approved with a Property Inspection Waiver (PIW).     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707305 finding-3634 10/07/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. The change occurred on LE XX/XX/XXXX without a COC. Document Uploaded. Do Not Concur. The appraisal waiver changed on XX/XX/XXXX, the appraisal was needed, please see system snips. This was disclosed timely to the borrower on XXX XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707305 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707305 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707306 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.27% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.27% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707306 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.27% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.27% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707306 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.27% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.27% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707308 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707308 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707308 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707309 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707309 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707309 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707312 finding-3542 10/07/2026 Compliance TRID Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. Due to the APR increasing to XXX% the CD issued to the borrower XX/XX/XXXX requires a XXX day waiting period prior to closing of XX/XX/XXXX. Please provide evidence the borrower received the CD issued on XX/XX/XXXX at least XXX days prior to closing. Document Uploaded. Do Not Concur. Please see system snips of proof of electronic receipt of the closing disclosure by the borrower and e-consent to receive docs electronically. The CD was delivered timely to the borrower. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.94% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.94% is less than Guideline CLTV of 105% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707312 finding-3634 10/07/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Final Inspection Fee added to the LE dated XX/XX/XXXX. File does not contain any COC's. Document Uploaded. Do Not Concur. The appraisal was completed and data entered on XX/XX/XXXX indicating that the appraisal was made subject to completion to repairs, etc. A final inspection was needed and added on LE v3, this was disclosed timely to the borrower. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.94% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.94% is less than Guideline CLTV of 105% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707312 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.94% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.94% is less than Guideline CLTV of 105% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707312 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.94% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.94% is less than Guideline CLTV of 105% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707317 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707317 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707317 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707322 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707322 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707322 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707323 FCRE7497 10/02/2026 Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Missing verification of taxes, insurance, and/or HOA fees for non-subject property. XXX: Hazard insurance documentation is not available in the loan package and could not be verified. Additionally, LOX need for status of HOA. Per tax bill, property is attached row building. XXX : The lender considered only the property taxes and hazard insurance expense and did not include the mortgage principal and interest (P&I) reflected on the mortgage Statement. If the P&I payment from the mortgage Statement is included in the PITIA calculation, the borrower's DTI exceeds XXX% Therefore, please clarify the treatment of the mortgage payment for this REO property. Document Uploaded. XXX was paid off which is why it's not included in the DTI, also XXX  is land only with an outbuilding or garage on it. no HOI see attached property report confirming same XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707323 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 54.61% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.61% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707323 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 54.61% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.61% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707324 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707324 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707324 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707326 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707326 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707326 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707335 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707335 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707335 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707336 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707336 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707336 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707338 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707338 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707338 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707342 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 95% Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707342 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 95% Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707342 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 95% Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707344 FCRE1437 10/02/2026 Credit Income/Employment Income and Employment Do Not Meet Guidelines Income and Employment Do Not Meet Guidelines. The Final 1003 reflects Other Income of $XXX; however, supporting documentation for this income was not found in the loan package. The Other Income details have been updated in accordance with the Final 1003 Document Uploaded. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 74.98% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.98% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/02/2026   C A C A C A C A C A C A
  XXXXX 3158707344 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 74.98% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.98% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707344 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 74.98% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.98% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707346 finding-3634 10/01/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. Since there are three separate issues in one exception they will be marked in numerical order. XXX The Project Processing Fee of XXX was disclosed on the initial LE v1, please see snip showing this and the version number with date. XXX The discount points increased when the pricing changed on XX/XX/XXXX, please see system snip and snip of the LE showing that it was disclosed to the borrower timely on LE v4. XXX The sales contract was missing information, the appraisal was completed and the additional property information was entered and taxes were determined to be different as the property information was validated and corrected, this was disclosed timely to the borrower on CD v1, please see system and doc snips showing these three issues and the CICs that happened.; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the XXX for the discount points, XXX Project processing fee and XXX for addition of transfer taxes XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   C A C A C A C A C A C A
  XXXXX 3158707346 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707346 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707349 FPRO9990 10/09/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Document Uploaded. Please see attached drive-by appraisal supporting value. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.94% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.94% is less than Guideline CLTV of 97% Resolved 10/09/2026   C A C A C A C A C A C A
  XXXXX 3158707349 finding-3526 10/07/2026 Compliance TRID Revised Loan Estimate Delivery Date Test (prior to consummation) This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Document Uploaded. Do Not Concur. Please see system snips of proof of electronic receipt of the Loan Estimate by the borrower. Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.94% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.94% is less than Guideline CLTV of 97% Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707349 finding-3532 10/07/2026 Compliance TRID Initial Closing Disclosure Delivery Date Test This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Document Uploaded. Do Not Concur. Please see system snips of proof of electronic receipt of the closing disclosure by the borrower. Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.94% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.94% is less than Guideline CLTV of 97% Resolved 10/07/2026   C A C A C A C A C A C A
  XXXXX 3158707349 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.94% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.94% is less than Guideline CLTV of 97% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707349 FPRO2924 09/30/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.94% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.94% is less than Guideline CLTV of 97% Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707351 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 77.29% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.29% is less than Guideline CLTV of 97% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707351 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 77.29% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.29% is less than Guideline CLTV of 97% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707351 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 77.29% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.29% is less than Guideline CLTV of 97% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707353 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.35% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.35% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707353 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.35% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.35% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707353 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.35% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.35% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707356 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707356 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707356 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707364 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707364 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707364 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707370 finding-3532 10/01/2026 Compliance TRID Initial Closing Disclosure Delivery Date Test This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XXX was not received by the consumer at least XXX business days prior to the consummation date,  XXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. Document Uploaded. Do Not Concur. Please see system snips showing when CD v1 was received on XX/XX/XXXX. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 16% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/01/2026   C A C A C A C A C A C A
  XXXXX 3158707370 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 16% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707370 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 16% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707376 finding-3652 10/07/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. No COC's' were provided. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. Unable to determine Consolidated's exception, this loan closed with Lender Credits that were much higher than XXX and a credit for a specific fee of $XXX. Please see system snips showing the credit for XXX and also lender credits applied on the CD signed at closing. Please advise. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707376 finding-3634 10/07/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Transfer Tax. The change occurred on CD XX/XX/XXXX without a COC. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. The XXX for the XXX was cured at closing please see system snip showing the cure and also the closing CD showing XXX credit for increase in Closing Costs above legal limit. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707376 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707376 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707378 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707378 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707378 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707379 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.57% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.57% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707379 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.57% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.57% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707379 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.57% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.57% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707380 finding-3635 10/12/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Document Uploaded. Do Not Concur. Please see signed attorney or Title preference notice where the borrower selected their own attorney for this transaction making the tolerance unlimited. Document Uploaded. Do Not Concur. The purchase contract was received on XX/XX/XXXX, the recording fees were then updated to XXX and disclosed timely to the borrower on XXX. Please see system snip showing that the purchase contract was received on XX/XX/XXXX. Document Uploaded. Do Not Concur. This is when we received the sales contract, recording fees can be finalized at this point, did Consolidated consider the credit that was given to the borrower for XXX for the recording fee overage? Please see system snip uploaded. TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee. A COC was not located in the loan file. Final Charges That In Total Cannot Increase More Than XXX% Total XXX Comparable Charges That In Total Cannot Increase More Than XXX% Total XXX Tolerance variance amount for charges that in total cannot increase more than XXX% (in $) XXX XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707380 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707380 FPRO2924 09/30/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707381 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707381 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707381 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707382 finding-3532 10/08/2026 Compliance TRID Initial Closing Disclosure Delivery Date Test This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. Document Uploaded. Do Not Concur. Please see system snips of proof of electronic delivery of the CD on XX/XX/XXXX XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.97% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.97% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/08/2026   C A C A C A C A C A C A
  XXXXX 3158707382 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.97% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.97% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707382 FPRO2924 09/30/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. As reflected in the AUS findings, an appraisal waiver was issued and the Special Feature Code was also provided. Therefore, the appraisal waiver was updated accordingly based on the AUS documentation.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.97% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.97% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707386 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707386 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707386 FPRO2924 09/30/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707387 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707387 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707387 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707388 FPRO9990 10/09/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Document Uploaded. Please see attached drive-by appraisal supporting value. XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 97% Resolved 10/09/2026   C A C A C A C A C A C A
  XXXXX 3158707388 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 97% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707388 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 97% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707388 FPRO2924 09/30/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 97% Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707389 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707389 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707389 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707391 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.83% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.83% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707391 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.83% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.83% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707391 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.83% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.83% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707393 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.8% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.8% is less than Guideline CLTV of 97% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707393 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.8% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.8% is less than Guideline CLTV of 97% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707393 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.8% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.8% is less than Guideline CLTV of 97% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707394 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 90% is less than Guideline CLTV of 105% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707394 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 90% is less than Guideline CLTV of 105% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707394 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 90% is less than Guideline CLTV of 105% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 315870XXX FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 315870XXX FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 315870XXX FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707396 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 46.77% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.77% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707396 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 46.77% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.77% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707396 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 46.77% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.77% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707400 finding-3652 10/08/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. The lender credits for this loan are premium pricing. The pricing changed on XX/XX/XXXX and in turn the lender credits also changed. Please see system snips showing pricing change. This was disclosed timely on XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/08/2026   C A C A C A C A C A C A
  XXXXX 3158707400 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707400 FCRE9785 09/30/2026 Credit Missing Doc Purchase Contract is Incomplete Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. Provide a complete copy of the fully executed Contract of Sale, including all pages and addendums, showing the following: Buyer and seller names/information Final XXX Seller credit/concessions, if applicable Contract expiration date (or acceptance/closing terms) All required signatures and execution dates The currently provided copy of the Contract of Sale is incomplete and does not contain the required information needed to validate the transaction details.     Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Open     B B B B B B B B B B B B
  XXXXX 3158707402 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707402 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707402 FPRO2924 09/30/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. DU findings provide Value Acceptance (Appraisal Waiver). Loan is eligible for delivery without an appraisal.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707403 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707403 finding-4033 09/29/2026 Compliance ComplianceEase Qualified Mortgage Safe Harbor Threshold This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707403 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707404 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707404 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707404 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707405 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707405 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707405 FPRO2924 09/28/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Exception is non-material and graded as level 2/B for property only due to PIW.     Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707406 finding-651 10/09/2026 Compliance Points & Fees TILA Finance Charge Test This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Document Uploaded. Please see PCCD and Refund sent to the borrower ILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Discount points XXX Processing XXX Tax Service XXX Flood/Life of Loan XXX Settlement/Closing XXX Mobile Notary XXX Recording Service XXX and prepaid interest $XXX. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Yes Cured     C B C B C B C B C B C B
  XXXXX 3158707406 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Yes Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707406 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Yes Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707410 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.02% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.02% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707410 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.02% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.02% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707410 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.02% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.02% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707411 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707411 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707411 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707412 FCOM1221 10/02/2026 Credit Missing Doc The Deed of Trust is Incomplete The Deed of Trust is Incomplete. Legal description is missing. Please provide letter of intent to re-record the corrected deed of trust with a legal description. Document Uploaded. Mortgage attached; Mortgage was re-recorded with legal description XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/02/2026   D A D A D A D A D A D A
  XXXXX 3158707412 FCOM8997 09/29/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707412 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707413 finding-3542 10/01/2026 Compliance TRID Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. Document Uploaded. Do Not Concur. Please see system snips showing the electronic receipt of the closing disclosure issued on XX/XX/XXXX by the borrower on XX/XX/XXXX. The APR increased on the CD dated XX/XX/XXXX. Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/XXXX The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 39.88% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.88% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   C A C A C A C A C A C A
  XXXXX 3158707413 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 39.88% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.88% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707413 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 39.88% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.88% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707422 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707422 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707422 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707423 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707423 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707423 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707425 FPRO2924 10/15/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Appraisal waiver   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. both borrowers have XXX years of employment history | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.99% is less than Guideline LTV of 90% LTV is under the Guidelines | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.99% is less than Guideline CLTV of 90% CLTV is under the Guidelines | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX FICO is under the Guidline Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707425 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. both borrowers have XXX years of employment history | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.99% is less than Guideline LTV of 90% LTV is under the Guidelines | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.99% is less than Guideline CLTV of 90% CLTV is under the Guidelines | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX FICO is under the Guidline Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707425 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. both borrowers have XXX years of employment history | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.99% is less than Guideline LTV of 90% LTV is under the Guidelines | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.99% is less than Guideline CLTV of 90% CLTV is under the Guidelines | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX FICO is under the Guidline Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707426 finding-3652 10/08/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do not Concur. Valid CIC for loan amount and adj XXX XX/XX/XXXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the Final CD dated XX/XX/XXXX. The file did not contain any COCs. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.7% is less than Guideline LTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.7% is less than Guideline CLTV of 105% Resolved 10/08/2026   C A C A C A C A C A C A
  XXXXX 3158707426 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.7% is less than Guideline LTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.7% is less than Guideline CLTV of 105% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707426 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.7% is less than Guideline LTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.7% is less than Guideline CLTV of 105% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707427 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707427 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707427 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707429 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.95% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.95% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707429 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.95% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.95% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707429 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.95% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.95% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707432 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.92% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.92% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707432 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.92% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.92% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707432 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.92% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.92% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707433 FPRO2924 10/15/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. As per the AUS DU This loan casefile is eligible for value acceptance, Also as per the lender Guideline appraisal Waiver is acceptable.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.99% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.99% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707433 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.99% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.99% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707433 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.99% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.99% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707438 FCOM5135 09/29/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please review uploaded Funding Request Form. Section XXX indicates no Affiliated Business Relationships. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   B A B A B A B A B A B A
  XXXXX 3158707438 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707438 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707442 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% na | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% na | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% na | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX na Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707442 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% na | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% na | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% na | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX na Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707442 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% na | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% na | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% na | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX na Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707443 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707443 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707443 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707445 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707445 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707445 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707447 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.25% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.25% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707447 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.25% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.25% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707447 FPRO2924 09/28/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Per LP AUS findings, the loan is eligible for ACE, and the submitted property value/purchase price is accepted. An appraisal is not required.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.25% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.25% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707449 FCRE1202 09/30/2026 Credit Missing Doc Third Party Fraud Report Partially Provided Third Party Fraud Report Partially Provided. No fraud report found, XXX check found on page XXX Document Uploaded. Please review DataVerify report XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 42.98% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.98% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707449 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 42.98% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.98% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707449 FPRO2924 09/28/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Per LP AUS findings #XXX page XXX the loan is eligible for ACE, and the submitted property value/purchase price is accepted, an appraisal is not required, PDR= page XXX   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 42.98% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.98% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707453 FCOM3608 10/08/2026 Compliance Missing Doc Intent to Proceed is Missing The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed Document Uploaded. Please see attached Intent to Proceed document. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/08/2026   B A B A B A B A B A B A
  XXXXX 3158707453 FCOM1266 10/08/2026 Compliance Missing Doc XXX Is Missing XXX Is Missing. Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. Document Uploaded. Please see attached the XXX XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/08/2026   B A B A B A B A B A B A
  XXXXX 3158707453 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707453 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707460 FCOM5135 10/02/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Do Not Concur - XXX in file XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707460 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707460 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707461 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707461 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707461 FPRO2924 09/30/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Validated PIW on AUS Approval.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707463 FCOM5922 10/02/2026 Compliance Disclosure Lender QM Status not validated The Originator QM designation was not verified. The Originator disclosed a QM designation of (QM: Average Prime Offer Rate (APOR)), whereas the final QM designation is (Non-QM: Lender documented all ATR UW factors). Document Uploaded. Do Not Concur - lender test confirms exclusion of applicable points and fees for XXX XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707463 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707463 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707463 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707464 FCRE9785 09/28/2026 Credit Missing Doc Purchase Contract is Incomplete Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. Required updated counter offer or sales addendum reflecting the estimated closing date.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707464 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.91% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.91% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707464 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.91% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.91% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707466 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707466 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707466 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707470 FCOM1266 10/05/2026 Compliance Missing Doc XXX Is Missing XXX Is Missing. Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. Do Not Concur - CFPB website is acceptable in lieu of XXX counselors - as required by RESPA’s Regulation X, XXX C. § 1024.20.
XXX retrieved the list of Homeownership Counseling Organizations from: X -the CFPB’s website at www onsumerfinance ov/find-a-housing-counselor ; Document Uploaded. Do Not Concur - ack. in file		 XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/05/2026   B A B A B A B A B A B A
  XXXXX 3158707470 FCOM9186 10/05/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Please see E-consent accepted on XX/XX/XXXX.; Do Not Concur -E-consent granted through URLA e-signed XX/XX/XXXX. Section XXX: Acknowledgements and Agreements, subsection XXX Electronic Records and Signatures, 2nd bullet point, States "If this application is created as (or converted into) an "electronic application", I consent to the use of "electronic records" and "electronic signatures" as the terms are defined in and governed by applicable Federal and/or State electronic transactions laws." XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/05/2026   B A B A B A B A B A B A
  XXXXX 3158707470 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707470 FPRO2924 09/30/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Per LP AUS findings, the loan is eligible for Appraisal Waiver, and the submitted property value/purchase price is accepted. An appraisal is not required.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707472 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707472 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707472 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707473 FCOM5135 10/09/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. processor certification uploaded; Document Uploaded. disclosure tracking and privacy policy uploaded XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/09/2026   B A B A B A B A B A B A
  XXXXX 3158707473 FCOM1231 10/08/2026 Credit Missing Doc The Initial 1003 is Missing The Initial 1003 is Missing. Unable to locate in file. Document Uploaded. initial 1003 uploaded XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/08/2026   D A D A D A D A D A D A
  XXXXX 3158707473 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707474 FCRE9785 10/07/2026 Credit Missing Doc Purchase Contract is Incomplete Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. Interested Party Contributions/Seller Credit of XXX is not reflected in the Contract of Sale. Document Uploaded. Rider uploaded XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/07/2026   B A B A B A B A B A B A
  XXXXX 3158707474 FCOM9186 10/06/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. e-consent uploaded; E-consent granted through URLA e-signed XX/XX/XXXX. Section XXX: Acknowledgements and Agreements, subsection XXX Electronic Records and Signatures, 2nd bullet point, States "If this application is created as (or converted into) an "electronic application", I consent to the use of "electronic records" and "electronic signatures" as the terms are defined in and governed by applicable XXX and/or State electronic transactions laws." XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/06/2026   B A B A B A B A B A B A
  XXXXX 3158707474 FCOM5135 10/02/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. FRF uploaded; no XXX per section XXX XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707474 FCOM3849 10/02/2026 Compliance Disclosure Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1)) The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. Document Uploaded. proof of appraisal receipt uploaded XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707474 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707476 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707476 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707476 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707478 FCOM9186 10/02/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707478 FCRE8999 10/01/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   A A A A A A A A A A A A
  XXXXX 3158707478 FPRO2924 09/30/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. There is no appraisal report in the file. The auditor confirmed through AUS findings that the transaction is an appraisal waiver   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707479 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707479 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707479 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707481 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707481 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707481 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707484 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707484 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707484 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707485 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707485 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707485 FCOM1266 09/28/2026 Compliance Missing Doc Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. Homeownership Counseling Disclosure Is Missing. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX.     Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Open     B B B B B B B B B B B B
  XXXXX 3158707485 FCOM5135 09/28/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates.     Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Open     B B B B B B B B B B B B
  XXXXX 3158707486 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707486 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707486 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707489 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707489 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707489 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707495 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707495 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707495 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707498 finding-3367 10/09/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Please see attached document including the XXX Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/09/2026   B A B A B A B A B A B A
  XXXXX 3158707498 finding-3634 10/09/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Please review attached documents confirming the Application date XX/XX/XXXX TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception Could Be tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX along with all missing COC's. Additional testing will be completed, once the initial LE is provided. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/09/2026   C A C A C A C A C A C A
  XXXXX 3158707498 finding-3635 10/09/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Please review attached documents confirming the Application date XX/XX/XXXX TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception could be tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX along with all missing COC's. Additional testing will be completed, once the initial LE is provided. A reimbursement was given post close however unable to determine how to apply. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/09/2026   C A C A C A C A C A C A
  XXXXX 3158707498 finding-3515 10/09/2026 Compliance TRID Initial Loan Estimate Delivery Date Test (from application) This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Document Uploaded. Do not concur - acknowledgement in file Document Uploaded. Do Not Concur - per lender tracking report XX/XX/XXXX is the initial loan estimate - provided withing the allowable timeframe Document Uploaded. Please review attached documents confirming the Application date XX/XX/XXXX Documentation required to clear exception. The Initial Loan Estimate is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/09/2026   C A C A C A C A C A C A
  XXXXX 3158707498 FCOM5135 10/09/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. Please review attached documents which includes the LOE confirming Lender has No Affiliates XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/09/2026   B A B A B A B A B A B A
  XXXXX 3158707498 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707498 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707499 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707499 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707499 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707500 FCRE1201 09/30/2026 Credit Missing Doc Third Party Fraud Report not Provided Missing Third Party Fraud Report. This is an Agency loan the credit report fraud alert provided is acceptable. ("Fraud Messages" disclosed on page XXX of Credit Report) Correspondent Lending Library : Loan XXX (XX/XX/XXXX) Overview There are numerous tools available that help prevent or detect fraud. Included are some of the tools that are used or required by XXX. Investigate the tools that best meet your organization’s needs. Requirement XXX requires a fraud report on every loan submitted for purchase. Correspondents must order the fraud report: • In conjunction with the credit report, or • From a fraud detection software provider If using a separate software provider, include a pdf copy of all pages of the report in the loan file delivered to XXX. For Non-Agency transactions, refer to the Fraud Detection Report section of the Credit XXX Report – Non-Agency Interest Only topic. Credit Report Fraud Alert The credit XXXs offer fraud detection tools that alert creditors to suspicious addresses, telephone numbers, Social Security Numbers, and/or inconsistencies between the application data and the applicant’s credit history. Additionally, they identify unusually frequent requests for credit over the past XXX to XXX days. Fraud alerts tools include but are not limited to: • XXX XXX™ • XXX • XXX XXX Fraud Alert The Correspondent must request a Fraud Alert at the time the credit report is ordered. Any evidence of fraud activity on the credit report must be cleared prior to submission to XXX. Fraud Detection Software Fraud detection software is available to assist lenders detect mortgage fraud during the origination process. Lenders should evaluate the services provided, the costs, references, and how it interfaces into their own operations to determine which company’s tools best meets their needs. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707500 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707500 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707501 FCOM5135 10/05/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please review Lender Attestation, ABA attached. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 10/05/2026   B A B A B A B A B A B A
  XXXXX 3158707501 FCOM9186 10/05/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Please review the attached eConsents.; Document Uploaded. Please review eConsent attached. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 10/05/2026   B A B A B A B A B A B A
  XXXXX 3158707501 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707501 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707505 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707505 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707505 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707507 FCOM1266 10/02/2026 Compliance Missing Doc Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. Document Uploaded. Pleas review XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.29% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.29% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707507 FCOM5135 10/02/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Funding Request Form confirmed no affiliates XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.29% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.29% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707507 FCOM3608 10/02/2026 Compliance Missing Doc Intent to Proceed is Missing The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed Document Uploaded. Please review; Document Uploaded. Borrower intent confirmation XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.29% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.29% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707507 FCOM3849 10/02/2026 Compliance Disclosure Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1)) The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. Document Uploaded. Please review XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.29% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.29% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707507 FCOM9186 10/02/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Please review XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.29% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.29% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707507 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.29% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.29% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707507 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.29% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.29% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707509 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707509 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707509 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707511 FCRE7496 09/30/2026 Credit Missing Doc Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments HOA document is missing to determine HOA amount for subject property. Document Uploaded. please review Page XXX disclosing HOA information for subject property XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707511 FCRE1158 09/28/2026 Credit Missing Doc Hazard Insurance Policy is Partial Hazard Insurance Policy Partially Provided. Hazard insurance document is incomplete.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707511 FCRE0404 09/28/2026 Credit Data The Interested Party Contributions exceed the Total Closing Costs Interested Party Contributions exceeds Total Closing Costs. Please provide an updated AUS/XXX/Loan Approval reflecting the XXX reduced by $XXX. Seller credit is higher than closing costs. Therefore, amount difference them has been reduced from original XXX.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707511 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707511 FPRO2924 09/28/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707514 FCRE1440 09/30/2026 Credit Eligibility Housing History Does Not Meet Guideline Requirements Housing History Does Not Meet Guideline Requirements. MISSING MORTGAGE history through close of escrow for REO XXX -  XXX Document Uploaded. Uploaded mortgage Statements and transaction details for the aforementioned liens showing no late payments/fees. These documents, in addition to the Closing Disclosure from sale, suffice for payment history through close date. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707514 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707514 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707517 FCOM1233 10/02/2026 Credit Missing Doc The Final 1003 is Incomplete The Final 1003 is Incomplete. Page Document Uploaded. Please review complete Final 1003 XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   D A D A D A D A D A D A
  XXXXX 3158707517 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707517 FPRO2924 09/28/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707522 FCOM5135 09/29/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please see attached Funding Request Page page XXX that reference the Affiliates. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   B A B A B A B A B A B A
  XXXXX 3158707522 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707522 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707525 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707525 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707525 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707527 FCOM5135 10/02/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. FRF uploaded; no ABA per section XXX XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707527 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707527 FPRO2924 09/30/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707528 FPRO9990 09/30/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP FNMA is missing Document Uploaded. Please review UCDP XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707528 FPRO2924 09/30/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Exception is non-material and graded as level 2/B for property only due to PIW.     Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707528 FCRE1201 09/29/2026 Credit Missing Doc Third Party Fraud Report not Provided Missing Third Party Fraud Report. Missing Third Party Fraud Report. Document Uploaded. ; Document Uploaded. ; Please disregard Marble attachment.; Document Uploaded. Please review page XXX reflects affiliates XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   D A D A D A D A D A D A
  XXXXX 3158707528 FCOM5135 09/29/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please review ABA validation XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   B A B A B A B A B A B A
  XXXXX 3158707529 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707529 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707529 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707533 FCOM5135 10/06/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. See attached confirmation Letter of no Affiliates.; Document Uploaded. Please review page XXX confirms affiliates XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/06/2026   B A B A B A B A B A B A
  XXXXX 3158707533 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707533 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707534 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.89% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.89% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707534 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.89% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.89% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707534 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.89% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.89% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707535 FPRO2924 10/15/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707535 FCOM1232 09/29/2026 Credit Missing Doc The Final 1003 is Missing The Final 1003 is Missing. Document Uploaded. Please review uploaded 1003s. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707535 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707536 FCOM1266 10/02/2026 Compliance Missing Doc XXX Is Missing XXX Is Missing. Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. Document Uploaded. Acknowledgement signed XX/XX/XXXX and disclosed website to pull list provided; Document Uploaded. Please review Borrower confirmed receipt - gov website also disclosed on first payment letter and scif form XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707536 FCOM5135 10/02/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Do Not Concur - FRF in file, Please review verification of Affiliate XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707536 FCRE1316 10/01/2026 Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing. Document Uploaded. Please review VOE XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/01/2026   D A D A D A D A D A D A
  XXXXX 3158707536 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707537 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707537 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707537 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707538 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707538 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707538 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707544 FPRO2924 10/15/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PER AUS no appraisal required-PIW Acceptable   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707544 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707544 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707547 FCOM1231 10/02/2026 Credit Missing Doc The Initial 1003 is Missing The Initial 1003 is Missing. The Initial 1003 missing in file Document Uploaded. Initial 1003 uploaded XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/02/2026   D A D A D A D A D A D A
  XXXXX 3158707547 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707547 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707548 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707548 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707548 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707555 FCOM5135 10/07/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. FRF uploaded; no ABA per section XXX XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 10/07/2026   B A B A B A B A B A B A
  XXXXX 3158707555 FCOM3849 10/07/2026 Compliance Disclosure Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1)) The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. Document Uploaded. uploaded proof of appraisal delivery XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 10/07/2026   B A B A B A B A B A B A
  XXXXX 3158707555 finding-3532 10/02/2026 Compliance TRID Initial Closing Disclosure Delivery Date Test This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Document Uploaded. XXX eSign Certificate uploaded confirming delivery and receipt on XX/XX/XXXX Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date,  XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 10/02/2026   C A C A C A C A C A C A
  XXXXX 3158707555 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707555 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707556 FCRE0377 10/02/2026 Credit Data The Total Hazard Coverage is LESS than the Required Coverage Amount The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Document Uploaded. LOE/RCE uploaded XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707556 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707556 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707557 FCOM1266 09/29/2026 Compliance Missing Doc XXX Is Missing XXX Is Missing. Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. Document Uploaded. HOCOL uploaded XXX: Clear   Resolved 09/29/2026   B A B A B A B A B A B A
  XXXXX 3158707557 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707557 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707558 FPRO2924 10/15/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. As per LP property is appraisal waiver eligible and has appraisal waiver   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707558 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707558 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707559 FPRO2924 10/15/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Loan approved with PIW, but missing third-party valuation product required for securitization purposes.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707559 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707559 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707560 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707560 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707560 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707561 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707561 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707561 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707563 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 32.65% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.65% is less than Guideline CLTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707563 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 32.65% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.65% is less than Guideline CLTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707563 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 32.65% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.65% is less than Guideline CLTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707569 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707569 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707569 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707570 FCRE1201 09/29/2026 Credit Missing Doc Third Party Fraud Report not Provided Missing Third Party Fraud Report. Fraud Report is Missing Document Uploaded. uploaded DV XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   D A D A D A D A D A D A
  XXXXX 3158707570 FCOM8997 09/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707570 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707573 finding-3634 10/02/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. LOE, PCCD, refund check and proof of mailing uploaded TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $0to $XXX. COC provided does not give sufficient reason for addition of VOE. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Cured     C B C B C B C B C B C B
  XXXXX 3158707573 FCRE9785 09/29/2026 Credit Missing Doc Purchase Contract is Incomplete Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. The copy of the sales contract in file is corrupted doc and illegible. Document Uploaded. purchase contract uploaded XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/29/2026   D A D A D A D A D A D A
  XXXXX 3158707573 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707575 FCOM9228 09/29/2026 Compliance TRID Final CD: Escrow Account Initial Escrow Payment (Page 4) calculation is not accurate Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one and a completed dollar amount for the property costs over XXX year.   Cure package requires a PCCD and LOE Document Uploaded. CD uploaded XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Cured     C B C B C B C B C B C B
  XXXXX 3158707575 FCRE8999 09/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707575 FPRO8998 09/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   A A A A A A A A A A A A
  XXXXX 3158707580 FCRE1180 09/28/2026 Credit Missing Doc HO-6 Insurance Policy is Missing HO-6 Insurance Policy is Missing.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707580 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707580 FPRO2924 09/28/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Per LP AUS findings, the loan is eligible for ACE, and the submitted property value/purchase price is accepted. An appraisal is not required.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707582 FCRE9785 09/30/2026 Credit Missing Doc Purchase Contract is Incomplete Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. The Contract of Sale was provided; however, the purchase price,XXX, and other required information were left blank. Therefore, the document was kept as partial. Document Uploaded. purchase contract uploaded XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   B A B A B A B A B A B A
  XXXXX 3158707582 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707582 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 95% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707585 FCRE1201 09/30/2026 Credit Missing Doc Third Party Fraud Report not Provided Missing Third Party Fraud Report. Document Uploaded. DV uploaded XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707585 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707585 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707587 FCRE5116 09/28/2026 Credit Missing Doc Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Satisfactory VOR obtain to document the most recent consecutive XXX-month period.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707587 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707587 FPRO2924 09/28/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Loan approved with appraisal waiver per AUS   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707593 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707593 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707593 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707595 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707595 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707595 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707596 finding-3634 10/13/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Recertification Fee on the initial CD dated XX/XX/XXXX. There is no valid COC in file. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. LOE, PCCD, copy of refund check, and proof of delivery uploaded; Document Uploaded. revised CIC uploaded; Document Uploaded. CIC uploaded XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Cured     C B C B C B C B C B C B
  XXXXX 3158707596 FCRE1130 09/30/2026 Credit Missing Doc Mortgage Insurance Cert Missing Mortgage Insurance is Present but Mortgage Insurance Cert is missing. Documentation required to clear exception: Provide Mortgage Insurance Certificate. Document Uploaded. PMI cert uploaded XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707596 FCOM5135 09/30/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. ABA uploaded XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   B A B A B A B A B A B A
  XXXXX 3158707596 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707597 FCOM5135 10/02/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. LOE/ABA uploaded XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707597 FCRE1248 09/28/2026 Credit Eligibility Purchase is not considered to be an Arm's Length Transaction Purchase is not considered to be an Arm's Length Transaction. Buyer is an employee of the seller. Verification confirms that both parties work for the same company; therefore, the transaction is considered non-arm's length.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707597 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707603 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707603 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707603 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707608 FCOM3849 09/30/2026 Compliance Disclosure Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1)) The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. Document Uploaded. See attached appraisal delivery receipt. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   B A B A B A B A B A B A
  XXXXX 3158707608 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707608 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707610 FCOM5135 09/30/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please see confirmation of no affiliates. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   B A B A B A B A B A B A
  XXXXX 3158707610 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707610 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707613 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 95% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707613 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 95% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707613 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 95% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707619 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707619 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707619 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707621 FCRE1201 09/30/2026 Credit Missing Doc Third Party Fraud Report not Provided Missing Third Party Fraud Report. Document Uploaded. Please review Fraud report attached. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.31% is less than Guideline CLTV of 90% Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707621 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.31% is less than Guideline CLTV of 90% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707621 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.31% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.31% is less than Guideline CLTV of 90% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707623 finding-3367 09/29/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX business days of application date of XX/XX/XXXX. Document Uploaded. See attached Letter of Commitment reflecting Application date of XX/XX/XXXX XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   B A B A B A B A B A B A
  XXXXX 3158707623 finding-3634 09/29/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX per the data entry proof sheet with subject property address listed as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Also provide SPL dated within three business days of initial LE. Additional testing will be completed once the initial LE is provided. See attached doc reflecting the Application date of XX/XX/XXXX XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   C A C A C A C A C A C A
  XXXXX 3158707623 finding-3635 09/29/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX per the data entry proof sheet with subject property address listed as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Also provide SPL dated within three business days of initial LE. Additional testing will be completed once the initial LE is provided. See attached doc reflecting the Application date of XX/XX/XXXX XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   C A C A C A C A C A C A
  XXXXX 3158707623 finding-3515 09/29/2026 Compliance TRID Initial Loan Estimate Delivery Date Test (from application) This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per data entry proof sheet which lists subject property address) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date of XX/XX/XXXX. See attached doc reflecting the Application date of XX/XX/XXXX XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   C A C A C A C A C A C A
  XXXXX 3158707623 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707623 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707624 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707624 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707624 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707626 FPRO2924 09/23/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Loan is being originated using a XXX Property Inspection Waiver (PIW).   XXX: Clear   Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707626 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707626 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707629 FPRO9990 09/25/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score is XX/XX/XXXX and Not Eligible for collateral reps and warrants, third-party valuation required Document Uploaded. Please see attached CDA. XXX: Clear   Resolved 09/25/2026   C A C A C A C A C A C A
  XXXXX 3158707629 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707629 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707630 FCRE1185 09/28/2026 Credit Missing Doc AUS Partially Provided AUS Partially Provided. The automated underwriting system (AUS) reflects total monthly liabilities of XXX compared to the XXX calculated during audit. Borrower 2’s former primary residence was incorrectly treated as a current primary residence in the debt-to-income (DTI) calculations. This error factored the housing expense into the front-end DTI rather than the back-end DTI as a second home or investment property. Consequently, the DTI was calculated at XXX% / XXX% instead of the Audited XXX% / XXX%. Per Freddie Mac guidelines, an individual borrower cannot maintain concurrent primary residences. Do not concur. Loan is acceptable as-is. This is a non-occupant co-borrower purchase. Per initial and Final 1003 for B2, question XX/XX/XXXX in Declarations section are NO for occupying property as primary residence. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707630 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707630 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707634 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707634 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707634 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707635 FCRE1482 09/25/2026 Credit Assets Asset 4 Does Not Meet Guideline Requirements Asset 4 Does Not Meet Guideline Requirements. Missing evidence of transfer of the grant XXX required to be documented with a copy of the donor's canceled check, a copy of the settlement Statement showing receipt of the check, or similar evidence as required by AUS. Document Uploaded. Please see Settlement Statement: Sale Price XXX minus the Loan amount XXX equal XXX XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707635 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707635 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707637 FCOM3849 10/06/2026 Compliance Disclosure Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1)) The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. Document Uploaded. Please see attached Appraisal Ack. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 10/06/2026   B A B A B A B A B A B A
  XXXXX 3158707637 FCRE1358 10/06/2026 Credit Missing Doc Borrower 2 W2/1099 Missing Borrower 2 W2/1099 Missing. Missing XXX W-2 for employer XXX per AUS as W-2(s) are required for the most recent year Document Uploaded. Please see attached 1003 and W2. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 10/06/2026   D A D A D A D A D A D A
  XXXXX 3158707637 FCRE1964 10/06/2026 Credit Missing Doc Missing income documentation Provide documentation verifying whether the borrower's average XXX worked are non-fluctuating or fluctuating for employer XXX. If fluctuating, provide documentation supporting XXX-months of fluctuating income; per Freddie Mac guidelines fluctuating income require XXX-month employment qualifying employment history Document Uploaded. Per the VOE: XXX income XXX base YTD XXX = XXX / XXX = XXX ----- XXX x XXX = XXX x XXX= XXX / XXX = $XXX. This supports the income used to qualify. And borrower works XXX hours per week XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 10/06/2026   D A D A D A D A D A D A
  XXXXX 3158707637 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707639 FCOM9186 09/29/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. E-consent does not have an expiration. Please review uploaded snipit from a XXX. XXX has a working relationship with XXX making the e-consent acceptable.; E-consent granted through URLA e-signed XX/XX/XXXX. Section XXX: Acknowledgements and Agreements, subsection XXX Electronic Records and Signatures, 2nd bullet point, States "If this application is created as (or converted into) an "electronic application", I consent to the use of "electronic records" and "electronic signatures" as the terms are defined in and governed by applicable Federal and/or State electronic transactions laws."; Document Uploaded. Please review uploaded e-consent from XX/XX/XXXX. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   B A B A B A B A B A B A
  XXXXX 3158707639 FPRO2924 09/23/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Loan approved with PIW, but missing third-party valuation product required for securitization purposes.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707639 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707641 FPRO9990 09/25/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The FNMA UCDP risk score of XX/XX/XXXX exceeds the XX/XX/XXXX threshold, and the FHLMC LCA risk score of XX/XX/XXXX results in a "Not Eligible" status. Therefore, a Third-Party Valuation (TPV) is required. Document Uploaded. Please see attached CDA. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   C A C A C A C A C A C A
  XXXXX 3158707641 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707641 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707644 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707644 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707644 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707646 FCRE7495 09/30/2026 Credit Missing Doc Verification of Borrower Liabilities Missing or Incomplete Monthly payments and balances for liabilities XXX and XXX do not match between the credit report and the 1003. Additionally, XXX and XXX are not reflected on the credit report. Provide supporting credit card Statements or a credit supplement to verify the liabilities. This may impact the DTI calculation, which could increase upon verification Document Uploaded. CBR uploaded XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707646 FCRE0404 09/28/2026 Credit Data The Interested Party Contributions exceed the Total Closing Costs Interested Party Contributions exceeds Total Closing Costs. Please provide an updated AUS/XXX/Loan Approval reflecting the XXX reduced by $XXX. Closing costs exceeded the IPC amount by $XXX. The excess amount was deducted from the XXX and included under Interested Party Contribution Coverage in assets   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707646 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707646 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707647 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707647 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707647 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707648 FCRE1130 09/30/2026 Credit Missing Doc Mortgage Insurance Cert Missing Mortgage Insurance is Present but Mortgage Insurance Cert is missing. Provide a copy of the final Mortgage Insurance Certificate. The document currently provided in the loan package is only a Mortgage Insurance quote. Please upload the executed/final Mortgage Insurance Certificate showing the coverage details, certificate number, effective date, and premium information. Document Uploaded. PMI cert uploaded XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707648 FCRE9785 09/30/2026 Credit Missing Doc Purchase Contract is Incomplete Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. Provide a legible and complete copy of the fully executed Contract of Sale, including all applicable addendums, amendments, disclosures, and attachments. The document currently provided is not legible and does not allow validation of the required sales contract information, terms, conditions, purchase price, signatures, or addendum details. Please upload a clear and readable copy of all pages for review. Document Uploaded. correction.. urchase contract uploaded; Document Uploaded. CBR uploaded XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   B A B A B A B A B A B A
  XXXXX 3158707648 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707648 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707649 FPRO8998 09/30/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707649 FCOM8997 09/30/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707649 FCRE8999 09/30/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   A A A A A A A A A A A A
  XXXXX 3158707650 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707650 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707650 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707652 FCRE5116 09/25/2026 Credit Missing Doc Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The file does not have a VOR/VOM Do not concur. The DU messaging States borrower’s rent payment history was not evaluated using asset verification report. But does not require to verify a rental history. We would only request a rental history when DU messaging to verify the rental history is present. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707652 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707652 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707654 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707654 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707654 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707656 FCOM5135 10/07/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please review uploaded Funding Request Form & Submission Checklist. Section XXX indicates no Affiliated Business Relationships. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 10/07/2026   B A B A B A B A B A B A
  XXXXX 3158707656 FCOM3849 10/07/2026 Compliance Disclosure Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1)) The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. The Appraisal delivery receipt in the file indicates the borrower received the Appraisal on XX/XX/XXXX which is less than XXX business days prior to the consummation date of XX/XX/XXXX. Document Uploaded. Please see attached Appraisal delivery. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 10/07/2026   B A B A B A B A B A B A
  XXXXX 3158707656 FCRE2800 09/28/2026 Credit Assets Verified Liquid Assets Insufficient For Closing Verified Liquid Assets are insufficient for closing in the amount of $-XXX. Document Uploaded. Please review uploaded investment Statements XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   C A C A C A C A C A C A
  XXXXX 3158707656 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707657 FCOM6529 10/02/2026 Compliance TRID Final CD: Escrowed Property Costs over Year 1 description is missing or inaccurate Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one and a completed dollar amount for the property costs over XXX year.   Cure package requires a PCCD and LOE. Document Uploaded. Please see attached PCCD and LOE XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Cured     C B C B C B C B C B C B
  XXXXX 3158707657 finding-3532 09/30/2026 Compliance TRID Initial Closing Disclosure Delivery Date Test Initial CD receipt date provided; exception resolved Document Uploaded. See attached closing disclosure executed on XX/XX/XXXX within XXX business days of consummation.; Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX time stamped06/XXX XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing.   Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707657 FCRE8999 09/29/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707657 FPRO8998 09/29/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   A A A A A A A A A A A A
  XXXXX 3158707659 FCOM3849 09/29/2026 Compliance Disclosure Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1)) The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. Document Uploaded. Please review Appraisal delivery confirmation attached. XXX: Clear   Resolved 09/29/2026   B A B A B A B A B A B A
  XXXXX 3158707659 FCOM9186 09/29/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Please review fully redacted e-consent from XX/XX/XXXX that has entire top line redated and snipit of first page with just email address redacted. XXX: Clear   Resolved 09/29/2026   B A B A B A B A B A B A
  XXXXX 3158707659 finding-3367 09/28/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. Document Uploaded. Please review uploaded List of Homeownership Counseling Organizations from XX/XX/XXXX. Application date is XX/XX/XXXX per XXX. Initial 1003 signed XX/XX/XXXX. XXX: Clear   Resolved 09/28/2026   B A B A B A B A B A B A
  XXXXX 3158707659 finding-3634 09/28/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Do not concur. Application date is XX/XX/XXXX per XXX. XXX: Clear   Resolved 09/28/2026   C A C A C A C A C A C A
  XXXXX 3158707659 finding-3635 09/28/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The XXX% tolerance violation in the amount of XXX is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Do not concur. Application date is XX/XX/XXXX per XXX. XXX: Clear   Resolved 09/28/2026   C A C A C A C A C A C A
  XXXXX 3158707659 finding-3515 09/28/2026 Compliance TRID Initial Loan Estimate Delivery Date Test (from application) This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per the eSign Process Summary and XX in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. Do not concur. Application date is XX/XX/XXXX per XXX. XXX: Clear   Resolved 09/28/2026   C A C A C A C A C A C A
  XXXXX 3158707659 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707659 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707666 FCOM5135 09/28/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please review Lender attestation attached. ABA XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   B A B A B A B A B A B A
  XXXXX 3158707666 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707666 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707669 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707669 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707669 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707671 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707671 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707671 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707672 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707672 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707672 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707673 FCRE1316 09/25/2026 Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing. Document Uploaded. Please review VOE's for Borrower 1 and XXX XXX: Clear   Resolved 09/25/2026   D A D A D A D A D A D A
  XXXXX 3158707673 FCRE1347 09/25/2026 Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing.   XXX: Clear   Resolved 09/25/2026   D A D A D A D A D A D A
  XXXXX 3158707673 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707673 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707675 FCRE1201 09/30/2026 Credit Missing Doc Third Party Fraud Report not Provided Missing Third Party Fraud Report. Document Uploaded. Please see attached Fraud Report XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707675 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707675 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707678 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707678 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707678 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707682 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707682 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707682 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707684 FCOM9186 09/30/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. (Missing XXX). Document Uploaded. See attached E-consent. XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.97% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.97% is less than Guideline LTV of 90% Resolved 09/30/2026   B A B A B A B A B A B A
  XXXXX 3158707684 FCOM3849 09/30/2026 Compliance Disclosure Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1)) The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The borrower signed the XXX-day appraisal delivery waiver, but there is no evidence a copy of the appraisal was provided at or prior to closing. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. Document Uploaded. See attached Appraisal receipt confirming delivery. XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.97% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.97% is less than Guideline LTV of 90% Resolved 09/30/2026   B A B A B A B A B A B A
  XXXXX 3158707684 finding-3532 09/30/2026 Compliance TRID Initial Closing Disclosure Delivery Date Test This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Document Uploaded. See attached Initial CD and Doc Tracking. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX. The ICD dated XX/XX/XXXX (per compliance report in file) is missing. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.97% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.97% is less than Guideline LTV of 90% Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707684 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.97% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.97% is less than Guideline LTV of 90% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707684 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.97% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.97% is less than Guideline LTV of 90% Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707691 FCOM9186 09/30/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Please see attached e-consent form.. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   B A B A B A B A B A B A
  XXXXX 3158707691 FCRE1201 09/30/2026 Credit Missing Doc Third Party Fraud Report not Provided Missing Third Party Fraud Report. Document Uploaded. Please see attached Fraud Report XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707691 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707693 FCOM5135 10/01/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please see confirmation of no affiliates. XXX: Clear   Resolved 10/01/2026   B A B A B A B A B A B A
  XXXXX 3158707693 FCRE1347 09/26/2026 Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing.   XXX: Clear   Resolved 09/26/2026   D A D A D A D A D A D A
  XXXXX 3158707693 FCRE1316 09/26/2026 Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing.   XXX: Clear   Resolved 09/26/2026   D A D A D A D A D A D A
  XXXXX 3158707693 FCRE1437 09/26/2026 Credit Income/Employment Income and Employment Do Not Meet Guidelines Income and Employment Do Not Meet Guidelines. Missing VOE for both Borrower and Co borrower Document Uploaded. Please review VOE for both borrowers and apply to applicable citing's XXX: Clear   Resolved 09/26/2026   C A C A C A C A C A C A
  XXXXX 3158707693 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707696 FCOM1262 09/30/2026 Compliance Missing Doc Right of Rescission is Missing Right of Rescission is Missing. Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers. Document Uploaded. See attached Right of Rescission form XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707696 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707696 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707700 FCOM8997 09/28/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707700 FCRE8999 09/28/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707700 FPRO8998 09/28/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   A A A A A A A A A A A A
  XXXXX 3158707703 FPRO2924 09/23/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear   Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707703 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707703 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707704 FCOM9186 10/06/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. See E-consent accepted on XX/XX/XXXX; E-consent granted through URLA e-signed XX/XX/XXXX. Section XXX: Acknowledgements and Agreements, subsection XXX Electronic Records and Signatures, 2nd bullet point, States "If this application is created as (or converted into) an "electronic application", I consent to the use of "electronic records" and "electronic signatures" as the terms are defined in and governed by applicable Federal and/or State electronic transactions laws."; Document Uploaded. Please see E-Consent executed on XX/XX/XXXX same as the Application.; Do Not Concur - Borrower's Cert & Auth. e-signed XX/XX/XXXX not applicable because it is missing the associated loan number ; Borrower's Cert & Auth. e-signed XX/XX/XXXX disclosed associated loan number XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/06/2026   B A B A B A B A B A B A
  XXXXX 3158707704 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707704 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707709 FCOM5135 10/01/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please review Lender Attestation attached, ABA. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   B A B A B A B A B A B A
  XXXXX 3158707709 FPRO2924 09/23/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Appraisal is not required per AUS   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707709 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707711 FCOM5135 10/01/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please review Lender Attestation for ABA attached. XXX: Clear   Resolved 10/01/2026   B A B A B A B A B A B A
  XXXXX 3158707711 FPRO2924 09/23/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear   Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707711 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707712 FCOM5135 10/02/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please review Lender attestation attached. ABA. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707712 FPRO2924 09/23/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707712 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707717 FCOM5135 09/25/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Do not concur. The Funding Request form item #XXX confirms. No Affiliated Business Relationships. This is acceptable. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   B A B A B A B A B A B A
  XXXXX 3158707717 FPRO2924 09/23/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. AUS LP verifies Loan is eligible for ACE offer (PIW), a property data report or appraisal is not required.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707717 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707718 FCRE1443 09/25/2026 Credit Assets Asset 2 Expired Asset 2 Expired. Document Uploaded. Do not concur. Please review the Verified Assets attached. Dated XX/XX/XXXX this is Sufficient for the requirement. XXX XXX XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707718 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707718 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707720 FCOM1604 09/28/2026 Compliance QM-ATR Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. All debts reported on credit report and included in DTI ratio are not reported by Lender per XXX as All Other monthly payments XXX - rental loss -$XXX= XXX debts per credit report versus LM calculated total debts from credit report $XXX. Document Uploaded. All debts have been accounted for per the updated Credit Report pulled XX/XX/XXXX. This contrasts to the original Credit Report pulled XX/XX/XXXX. An installment debt with less than XXX payments remaining (XXX Auto #XXX) was correctly excluded from ratios and is accounted for properly within DU messaging. Please see attached Credit Report dated XX/XX/XXXX and DU message #XXX showing this debt was excluded. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   C A C A C A C A C A C A
  XXXXX 3158707720 FCRE1497 09/28/2026 Credit QM-ATR ATR: Reasonable Income or Assets Not Considered ATR: XXX Income or Assets Not Considered. XXX Borrower 1: YTD $XXX/ XX/XX/XXXX mo (XX/XX/XXXX)= XXX monthly does not support rate as it is lower and has been applied as most conservative approach. Lender used higher XXX monthly income and do to lack of explanation from employer for YTD not supporting rate higher amount cannot be used to qualify. XXX Borrower 2: YTD $XXX/ XX/XX/XXXX mo (XX/XX/XXXX)= XXX monthly does not support rate as it is lower and has been applied as most conservative approach. Lender used higher XXX monthly income and do to lack of explanation from employer for YTD not supporting rate higher amount cannot be used to qualify. XXX REO Investment XXX - Lender used lower PITI XXX that includes lower 1st Lien amount XXX Per 1003 versus higher PITIA XXX that includes higher 1st Lien amount XXX per mortgage Statement that confirms taxes and insurance are escrowed. Higher amount applied as most conservative. Document Uploaded. XXX.) Borrower 1 is paid a semi-monthly salary of XXX per pay period. This equates to XXX annually. Year to date earnings through June 15th were $XXX. This paces the borrower for XXX in XXX Qualifying income of XXX per month supported by the paystubs in file noting a pay increase from XXX to XXX This is further supported by the XXX Merit Statement in file. XXX.) Borrower 2 is paid a semi-monthly salary of XXX per period. This equates to XXX annually. Year to date earnings through June 15th were $XXX. This paces the borrower for XXX in XXX Earnings in XXX were $XXX. Qualifying income of XXX per month supported by year to date earnings. The lower figure does not account for the XXX Personal Choice Holiday. XXX.) The rounded PITIA for XXX E Juanita Avenue differs by XXX cents. The impact on ratios is inconsequential and this citing should be removed. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707720 FCRE1437 09/28/2026 Credit Income/Employment Income and Employment Do Not Meet Guidelines Income and Employment Do Not Meet Guidelines. XXX Borrower 1: YTD $XXX/ XX/XX/XXXX mo (XX/XX/XXXX)= XXX monthly does not support rate as it is lower and has been applied as most conservative approach. Lender used higher XXX monthly income and do to lack of explanation from employer for YTD not supporting rate higher amount cannot be used to qualify. XXX Borrower 2: YTD $XXX/ XX/XX/XXXX mo (XX/XX/XXXX)= XXX monthly does not support rate as it is lower and has been applied as most conservative approach. Lender used higher XXX monthly income and do to lack of explanation from employer for YTD not supporting rate higher amount cannot be used to qualify. XXX REO Investment XXX - Lender used lower PITI XXX that includes lower 1st Lien amount XXX Per 1003 versus higher PITIA XXX that includes higher 1st Lien amount XXX per mortgage Statement that confirms taxes and insurance are escrowed. Higher amount applied as most conservative. Document Uploaded. XXX.) Borrower 1 is paid a semi-monthly salary of XXX per pay period. This equates to XXX annually. Year to date earnings through June 15th were $XXX. This paces the borrower for XXX in XXX Qualifying income of XXX per month supported by the paystubs in file noting a pay increase from XXX to XXX This is further supported by the XXX Merit Statement in file. XXX.) Borrower 2 is paid a semi-monthly salary of XXX per period. This equates to XXX annually. Year to date earnings through June 15th were $XXX. This paces the borrower for XXX in XXX Earnings in XXX were $XXX. Qualifying income of XXX per month supported by year to date earnings. The lower figure does not account for the XXX Personal Choice Holiday. XXX.) The rounded PITIA for XXX E Juanita Avenue differs by XXX cents. The impact on ratios is inconsequential and this citing should be removed. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707720 FCRE1201 09/28/2026 Credit Missing Doc Third Party Fraud Report not Provided Missing Third Party Fraud Report. Missing Third Party Fraud Report. Document Uploaded. See attached Fraud Report; Document Uploaded. Please review fraud report XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   D A D A D A D A D A D A
  XXXXX 3158707720 FCRE1205 09/26/2026 Credit Eligibility OFAC Check Not Completed and/or Cleared OFAC Check Not Completed and/or Cleared. Fraud report not in file.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/26/2026   C A C A C A C A C A C A
  XXXXX 3158707720 FCRE1206 09/26/2026 Credit Eligibility All Interested Parties Not Checked with Exclusionary Lists All Interested Parties Not Checked with Exclusionary Lists. Fraud report not in file.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/26/2026   C A C A C A C A C A C A
  XXXXX 3158707720 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707722 FCOM3849 09/30/2026 Compliance Disclosure Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1)) The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. Document Uploaded. Please review proof of Appraisal delivery to borrower attached. ; Document Uploaded. Do not concur. Please review page XXX borrower's Acknowledgment of Receipt of Appraisal on XX/XX/XXXX. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   B A B A B A B A B A B A
  XXXXX 3158707722 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707722 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707723 FCOM5135 09/25/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Do Not Concur - please review Funding Request Form page XXX - disclosed Affiliates XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   B A B A B A B A B A B A
  XXXXX 3158707723 FPRO9990 09/25/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Document Uploaded. Please see attached CDA. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   C A C A C A C A C A C A
  XXXXX 3158707723 FCRE4963 09/25/2026 Credit Debt No evidence of required debt payoff LP findings indicate the following debts were to be paid at or prior to closing" XXX, balance XXX balance XXX and XXX balance XXX These debts were excluded per LP findings. Require proof of debt payoff Document Uploaded. Per Closing Instructions -provide CD from Cash Out Refi of investment property XXX XXX to show the following debts are paid in full - please see payoff's disclosed on second mortgage loan (also, XXX in file for $XXX) XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/25/2026   C A C A C A C A C A C A
  XXXXX 3158707726 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707726 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707726 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707728 FCRE1170 09/28/2026 Credit Insurance Flood Insurance Expiration Date is before the Disbursement Date Flood Insurance Expiration Date of XX/XX/XXXX is prior to the Disbursement Date of XX/XX/XXXX. Lender to provied current XXX Document Uploaded. Do not concur. Flood ins XX/XX/XXXX-XX/XX/XXXX page XXX Flood Ins XX/XX/XXXX-XX/XX/XXXX page XXX-XXX. Please rescind. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707728 FCRE0360 09/24/2026 Credit Borrower Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender to provide a Verification of Rent (VOR) that meets requirements   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707728 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707728 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707730 finding-3634 09/29/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Please review attached Loan Estimate Issued XX/XX/XXXX for Loan Amount (Points) increase. Corresponding Change in circumstance form imaged in loan file to satisfy. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Points and Fee. The COC provided does not have a corresponding LE or CD. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   C A C A C A C A C A C A
  XXXXX 3158707730 FCRE5116 09/29/2026 Credit Missing Doc Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing satisfactory XXX month pay history from XXX acct #XXX. Document Uploaded. Please review Letter of explanation attached. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707730 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707733 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707733 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707733 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707736 FPRO9990 09/28/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Per UCDP XXX analysis was not performed for this loan. Third party was not provided. Document Uploaded. Please review acceptable Secondary valuation attached. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   C A C A C A C A C A C A
  XXXXX 3158707736 FCRE1186 09/28/2026 Credit Eligibility Audited DTI Exceeds AUS DTI Audited DTI of XXX% exceeds AUS DTI of XXX% DTI exceeds qualifying ratios. It seems the LP and XXX does not account for the neg rental income Per UW summary DTI accounts for the rental losses on XXX XXX and XXX XXX and aligns to AUS at XXX%/XXX%. The rental income for both REO's have been documented with fully executed lease agreements. Two months of rental income receipt have been documented within XXX #XXX and XXX XXX #XXX for April, May and June XXX Please also note, both rental losses were offset by the positive rental income associated to the subject property which was documented with Appraisal Form XXX and supported by property management experience exceeding XXX year. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707736 FCRE5116 09/28/2026 Credit Missing Doc Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOR not in the file A Verification of Rent (VOR)/Verification of Mortgage Document is only required when AUS messaging to verify the Rental per monthrtgage history is present. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707736 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707737 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707737 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707737 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707738 finding-3634 09/30/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Underwriting fee. A cure of XXX was provided at consummation but insufficient by XXX to cure. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Please review Lender's letter of explanation and initial Loan Estimate to satisfy tolerance. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707738 FCOM5135 09/30/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please review Lender attestation attached for ABA. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   B A B A B A B A B A B A
  XXXXX 3158707738 FPRO2924 09/23/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707738 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707739 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707739 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707739 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707743 FCOM5135 10/01/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates. Document Uploaded. Please review Lender attestation attached. ABA. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   B A B A B A B A B A B A
  XXXXX 3158707743 FPRO9990 09/28/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Document Uploaded. Please review uploaded CDA XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   C A C A C A C A C A C A
  XXXXX 3158707743 FCRE4963 09/28/2026 Credit Debt No evidence of required debt payoff need settlement Statement for sale of XXX. Mortgage associated with this property was omitted from DTI Do not concur. Section XXX BUYER FINANCING on page XXX of XXX of the executed sales contract on departing residence does not have a financing contingency. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707745 FCOM9186 09/29/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Please review attached Consent.; Document Uploaded. Do not concur. The initial URLA imaged on pages XXX-XXX. Section XXX Acknowledgements and Agreements paragraph on top right... If this application is created as (or converted into) as "electronic application", I consent to the use of "electronic records" and "electronic signatures" etc.. This Statement is satisfactory as a eSigned Consent. Please rescind. XXX: Clear   Resolved 09/29/2026   B A B A B A B A B A B A
  XXXXX 3158707745 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707745 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707746 FCOM9186 09/29/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required:  1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Please review eConsent attached. ; Document Uploaded. Do not concur. The Purchase Contract executed by borrowers XX/XX/XXXX imaged on pages XXX-XXX document page XXX of XXX section l. Consent to Electronic Communications. By initialing below that the “Purchaser agrees to have the terms of the Agreement presented electronically, “ Purchaser affirmatively consents and agrees as follows: (i) Purchaser’s electronic signature and/or initials on agreements and documents etc... Please rescind. XXX: Clear   Resolved 09/29/2026   B A B A B A B A B A B A
  XXXXX 3158707746 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707746 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707751 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707751 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707751 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707752 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707752 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707752 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707753 FPRO9990 09/28/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Document Uploaded. See attached CDA. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   C A C A C A C A C A C A
  XXXXX 3158707753 FCRE2901 09/28/2026 Credit Missing Doc Borrower 2 Non-US Citizen Identification Document Missing Non US Citizen Borrower 2 is missing Identification Document. The final signed 1003 shows both borrowers as permanent residents. (earlier 1003's show them as XXX) Document Uploaded. Do not concur. Please review Sanctions List page XXX-XXX and Customer Identification Verification page XXX Please rescind. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707753 FCRE2900 09/28/2026 Credit Missing Doc Borrower Non-US Citizen Identification Document Missing Non US Citizen Borrower is missing Identification Document. The final signed 1003 shows both borrowers as permanent residents. (earlier 1003's show them as XXX) Document Uploaded. Do not concur. Please review Sanctions List page XXX-XXX and Customer Identification Verification page XXX Please rescind. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707753 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707756 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707756 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707756 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707757 FCRE1201 09/28/2026 Credit Missing Doc Third Party Fraud Report not Provided Missing Third Party Fraud Report. Fraud report is not in file. Document Uploaded. Please review Fraud Report attached.; Document Uploaded. Do not concur. The credit reports include Fraud. please see Credit reports pages XXX-XXX, XXX-XXX, XXX-XXX. Please rescind documentation is present. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   D A D A D A D A D A D A
  XXXXX 3158707757 FCRE0404 09/25/2026 Credit Data The Interested Party Contributions exceed the Total Closing Costs Interested Party Contributions exceeds Total Closing Costs. Please provide an updated AUS/XXX/Loan Approval reflecting the XXX reduced by $XXX. Do not concur. The XXX represents the prorated taxes and HOA prorations which were excluded from the seller credit. XXX seller credit XXX prorated taxes XXX prorated HOA --------- XXX closing costs XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707757 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707757 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707758 FCRE1201 09/30/2026 Credit Missing Doc Third Party Fraud Report not Provided Missing Third Party Fraud Report. Provide Third Party Fraud Report. Do not concur. This is an Agency loan the credit report fraud alert provided is acceptable. Correspondent Lending Library : Loan Integrity Fraud Identification (XX/XX/XXXX) Overview There are numerous tools available that help prevent or detect fraud. Included are some of the tools that are used or required by XXX. Investigate the tools that best meet your organization’s needs. Requirement XXX requires a fraud report on every loan submitted for purchase. Correspondents must order the fraud report: • In conjunction with the credit report, or • From a fraud detection software provider If using a separate software provider, include a pdf copy of all pages of the report in the loan file delivered to XXX. For Non-Agency transactions, refer to the Fraud Detection Report section of the Credit XXX Report – Non-Agency Interest Only topic. Credit Report Fraud Alert The credit XXXs offer fraud detection tools that alert creditors to suspicious addresses, telephone numbers, Social Security Numbers, and/or inconsistencies between the application data and the applicant’s credit history. Additionally, they identify unusually frequent requests for credit over the past XXX to XXX days. Fraud alerts tools include but are not limited to: • XXX XXX™ • XXX • XXX XXX Fraud Alert The Correspondent must request a Fraud Alert at the time the credit report is ordered. Any evidence of fraud activity on the credit report must be cleared prior to submission to XXX. Fraud Detection Software Fraud detection software is available to assist lenders detect mortgage fraud during the origination process. Lenders should evaluate the services provided, the costs, references, and how it interfaces into their own operations to determine which company’s tools best meets their needs. ; Document Uploaded. Please review Credit Report pages XXX-XXX. Fraud Alert shown on page XXX Please rescind. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707758 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707758 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707761 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.77% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.77% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707761 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.77% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.77% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707761 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.77% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.77% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707776 finding-3634 10/01/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $ XXX is due to increase from $ XXX to $ XXX for the Mortgage Insurance Premium on the LE issued XX/XX/XXXX without a valid reason (the coc issued XX/XX/XXXX did not specify a valid reason). Document Uploaded. Please review attached Change in Circumstance, XXX, disclosing increased rate when re pulling new mortgage insurance quote. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   C A C A C A C A C A C A
  XXXXX 3158707776 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707776 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707777 finding-3634 09/29/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Please review Closing Disclosure Issued XX/XX/XXXX to satisfy tolerance. Corresponding Change in Circumstance form imaged in file. TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check. The zero tolerance violation in the amount of XXX is due to increase from XXX to $XXX. for the Mortgage Insurance Fee on CD XX/XX/XXXX. COC in file dated XX/XX/XXXX not within required XXX days; however, there's a missing CD issued XX/XX/XXXX that can clear the exception once received. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/29/2026   C A C A C A C A C A C A
  XXXXX 3158707777 FCRE1186 09/28/2026 Credit Eligibility Audited DTI Exceeds AUS DTI Audited DTI of XXX% exceeds AUS DTI of XXX% lender used lower student loan payments Document Uploaded. Please review uploaded XX/XX/XXXX XXX that has XXX DOE payments listed matching amounts disclosed on final URLA. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   C A C A C A C A C A C A
  XXXXX 3158707777 FCRE9549 09/28/2026 Credit Missing Doc Missing Credit Report Supplement Need to document all student loan payments for the student loans on credit report that do not have a payment. Otherwise a XXX% payment will need to be used Document Uploaded. Please review uploaded XX/XX/XXXX XXX that has XXX DOE payments listed matching amounts disclosed on final URLA. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/28/2026   D A D A D A D A D A D A
  XXXXX 3158707777 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707779 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707779 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707779 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707785 FCOM9186 10/02/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Because the appraisal was delivered via email, an eConsent is required. Document Uploaded. Please review eConsent attached. ; Document Uploaded. E-consent is not required as borrower's signed Appraisal/Valuation Acknowledgment at closing indicating receipt at least XXX days prior. Second option is not applicable as borrowers did not waive timing requirements. Please review uploaded Appraisal/Valuation Acknowledgment and Appraisal Waiver. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707785 finding-47 09/28/2026 Compliance Right to Rescind TILA Right of Rescission Test This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)) pen-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Document Uploaded. Please review uploaded final CD dated XX/XX/XXXX with XX/XX/XXXX disbursement date per page XXX and Prepaids section on page XXX Documentation Required: The disbursement date of XX/XX/XXXX is on or before the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   C A C A C A C A C A C A
  XXXXX 3158707785 FCOM1544 09/28/2026 Compliance Missing Doc TRID: Missing Closing Disclosure The Closing Detail Statement is missing (i. Closing Disclosure, HUD-XXX, Final Settlement Statement) Documentation required to clear exception: The Final CD XX/XX/XXXX is missing from the loan file per XXX in file. All testing was completed using CD XX/XX/XXXX. Please provide final CD for additional testing. Document Uploaded. Please review uploaded final CD dated XX/XX/XXXX with XX/XX/XXXX disbursement date per page XXX and Prepaids section on page XXX XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/28/2026   D A D A D A D A D A D A
  XXXXX 3158707785 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707785 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707787 finding-3367 10/01/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Unable to Resolve-Concur   Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.35% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Unable to Resolve     B B B B B B B B B B B B
  XXXXX 3158707787 FCOM9186 10/02/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Do Not Concur. Please see system snip of the e-consent dates for the borrower. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.35% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707787 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.35% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707787 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.35% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.35% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707788 FCRE1130 09/30/2026 Credit Missing Doc Mortgage Insurance Cert Missing Mortgage Insurance is Present but Mortgage Insurance Cert is missing. Lender to provide the correct Mortgage Insurance Cert showing monthly amount XXX Document Uploaded. see attached XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 83.2% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 83.2% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   D A D A D A D A D A D A
  XXXXX 3158707788 FPRO2924 09/23/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 83.2% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 83.2% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707788 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 83.2% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 83.2% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707789 finding-3367 10/02/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. Unable to Resolve-Concur with finding XXX: Clear   Unable to Resolve     B B B B B B B B B B B B
  XXXXX 3158707789 FCOM9186 10/05/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Do Not Concur. Please see system snip of the disclosure tracking screen showing the e-consent information and that consent was applied to view the document electronically. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707789 finding-3652 10/02/2026 Compliance TRID Tolerance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on the LE dated XX/XX/XXXX to XXX on the LE dated XX/XX/XXXX. File does not contain any COCs. Document Uploaded. Do Not Concur. Please see system snips of the pricing screen showing that a change in the pricing occurred and also the CIC screen showing the CICs. The change in the lender credits (premium pricing) was due to the change in pricing. This was disclosed timely to the borrower. XXX: Clear   Resolved 10/02/2026   C A C A C A C A C A C A
  XXXXX 3158707789 finding-3634 10/02/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Re-inspection fee added to the Revised LE dated XX/XX/XXXX. File does not have any COC's for the increase. Document Uploaded. Do Not Concur. Please see system snip of the CIC for the final inspection that was needed for this condo, this was disclosed timely to the borrower. XXX: Clear   Resolved 10/02/2026   C A C A C A C A C A C A
  XXXXX 3158707789 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707789 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707793 finding-3367 10/05/2026 Compliance Disclosure RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application XX/XX/XXXX. Unable to Resolve-Concur XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Unable to Resolve     B B B B B B B B B B B B
  XXXXX 3158707793 finding-3532 10/05/2026 Compliance TRID Initial Closing Disclosure Delivery Date Test This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. Document Uploaded. Please see evidence of electronic delivery of the CD to the borrower.; Document Uploaded. Do Not Concur. Please see the system snip of the disclosure tracking screen, the initial CD was received electronically by the co-borrower on XX/XX/XXXX, it was sent on XX/XX/XXXX. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/05/2026   C A C A C A C A C A C A
  XXXXX 3158707793 FCOM9186 10/02/2026 Compliance Missing Doc eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. Document Uploaded. Do Not Concur. Please see system snip of the e-consent dates for the borrowers. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/02/2026   B A B A B A B A B A B A
  XXXXX 3158707793 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707793 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707794 finding-3634 10/01/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. Since there are two separate issues in this same exception I will list them in numerical order. XXX The Credit Report fee was disclosed on the initial LE v1 as XXX The Flood Determination and the Flood Life of Loan fees were both disclosed as XXX each on LEv1 and LEv2. Document Uploaded. Do Not Concur. Since there are two separate issues in this same exception I will list them in numerical order. XXX The Credit Report fee was disclosed on the initial LE v1 as XXX The Flood Determination and the Flood Life of Loan fees were both disclosed as XXX each on LEv1 and LEv2. Document Uploaded. Do Not Concur. Since there are two separate issues in this same exception I will list them in numerical order. XXX The Credit Report fee was disclosed on the initial LE v1 as XXX The Flood Determination and the Flood Life of Loan fees were both disclosed as XXX each on LEv1 and LEv2. TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Credit Report fee and increase from XXX to XXX for the Flood Cert fee on the Revised LE dated XX/XX/XXXX without a valid COC. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707794 FPRO2924 09/23/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Waiver is in the file.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707794 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707795 FPRO8998 09/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 57.03% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.03% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707795 FCRE8999 09/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 57.03% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.03% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707795 FCOM8997 09/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 57.03% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.03% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/23/2026   A A A A A A A A A A A A
  XXXXX 3158707796 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707796 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707796 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707798 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707798 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707798 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707802 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707802 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707802 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707804 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707804 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707804 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707806 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707806 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707806 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707807 finding-3634 10/01/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. Please see system snips of CIC for loan amount change that occurred which changed the discount points. This was disclosed timely to the borrower on CD v2. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the discount points. A COC was not located in the loan file. XXX: Clear   Resolved 10/01/2026   C A C A C A C A C A C A
  XXXXX 3158707807 FPRO2924 09/25/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. PIW/Value Acceptance Exercised       Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707807 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707807 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707808 finding-3634 10/08/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. Since there are two exceptions within this one exception I will list them in numerical order. XXX The final inspection fee was added when the appraisal results were returned indicating that it was made subject to a final inspection, please see system snips for this. XXX The transfer taxes were increased when the sales contract was received and uploaded on XX/XX/XXXX, this was updated on LE v2. Both of these were disclosed timely to the borrower. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. The second exception part B of this total exception regarding the transfer taxes: The sales contract was actually received and uploaded on XX/XX/XXXX and the updated transfer taxes were disclosed timely on LE v2 which was issued on XX/XX/XXXX. The change in circumstance was the receipt of the sales contract with correct property data. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Final Inspection fee, and an increase from XXX to XXX for the Transfer Taxes. A lender credit of XXX was utilized for the XXX% failure. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/08/2026   C A C A C A C A C A C A
  XXXXX 3158707808 FCRE1316 09/30/2026 Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing. B1 3rd Party VOE is missing for the additional employment XXX Document Uploaded. See VVOE Procedure - A VVOE is not required for employment with negative income. A VVOE is not required when employment income is positive but not used for qualification. Please rescind this finding, thank you XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707808 FPRO1281 09/29/2026 Property Property Issue The appraisal was completed "Subject To" and the Completion Certificate in file is incomplete. The Primary Value Appraisal was provided subject to completion and the 1004D Certification of Completion was not provided. subject to completion and the 1004D Certification of Update and or Completion report was missing loan closed with holdback ; Document Uploaded. Loan closed with an escrow holdback for completion - see holdback agreement. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   C A C A C A C A C A C A
  XXXXX 3158707808 FPRO1136 09/29/2026 Property Appraisal Subject property appraisal is not on an as-is basis (Primary Value) Primary Value Subject Property Appraisal is not on an As-Is Basis. As per Subject Property Appraisal document is not an As-Is Basis Document Uploaded. Loan closed with an escrow holdback - see attached holdback agreement. XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/29/2026   C A C A C A C A C A C A
  XXXXX 3158707808 FCRE5116 09/29/2026 Credit Missing Doc Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOR is missing for the current address XXX Document Uploaded. See attached Residence Reference Guideline, a VOR is not required for primary residence unless the AUS specifically notes it was included in the assessment. Please explain? XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707808 FCRE1253 09/29/2026 Credit Eligibility Missing Property Tax Cert Missing Property Tax Cert. Need recent Tax Certificate for the amount XXX per month which matches with AUS Document Uploaded. Underwriter added additional estimated taxes are XXX - see tax procedure on unassessed property (new construction) XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707810 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 74.02% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.02% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707810 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 74.02% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.02% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707810 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 74.02% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.02% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707811 FCRE7497 10/01/2026 Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Missing verification of taxes, insurance, and/or HOA fees for non-subject property. #XXX - HOA info missing Document Uploaded. ; See attached mortgage Statement to verify escrows are included and the HOA bill XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   D A D A D A D A D A D A
  XXXXX 3158707811 FCOM1266 10/01/2026 Compliance Missing Doc XXX Is Missing XXX Is Missing. Documentation required to clear exception: Provide XXX that was provided to the consumer within XXX-business days of application, XX/XX/XXXX Document Uploaded. Do Not Concur. Please see Homeownership Counseling Notice that was sent as part of the application package, generated on XX/XX/XXXX and received by the borrower on XX/XX/XXXX, please see document uploaded and also system snip of electronic delivery to the borrower. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   B A B A B A B A B A B A
  XXXXX 3158707811 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707812 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.47% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.47% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707812 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.47% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.47% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707812 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.47% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.47% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707814 FCRE1186 09/30/2026 Credit Eligibility Audited DTI Exceeds AUS DTI Audited DTI of XXX% exceeds AUS DTI of XXX% Based on the income from the income calculator the most conservative amount for B1 & B2 was used Loan was approved with Digital Income, I am not sure why a material exception was cited for this. XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707814 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.52% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.52% is less than Guideline CLTV of 97% Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707814 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.52% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.52% is less than Guideline CLTV of 97% Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707815 FPRO1281 09/30/2026 Property Property Issue The appraisal was completed "Subject To" and the Completion Certificate in file is incomplete. The Primary Value Appraisal was provided subject to completion and the 1004D Certification of Completion was not provided. Document Uploaded. appraisal was subject to a foundation inspection - see attached XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 39.66% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.66% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707815 FPRO1136 09/30/2026 Property Appraisal Subject property appraisal is not on an as-is basis (Primary Value) Primary Value Subject Property Appraisal is not on an As-Is Basis. Document Uploaded. appraisal was subject to a foundation inspection - see attached XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 39.66% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.66% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707815 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 39.66% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.66% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707815 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 39.66% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.66% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707818 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.59% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.59% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707818 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.59% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.59% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707818 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.59% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.59% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707821 finding-3634 10/01/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Points - Loan Discount fee and increase from XXX to XXX for the Final Inspection fee. The loan file does not contain a valid COC for the increase of these fees. Document Uploaded. Do Not Concur. Since there are two exceptions within this one exception I will list them in numerical order. XXX The final inspection fee was added when the appraisal results were returned indicating that it was made subject to a final inspection on XX/XX/XXXX, The fee disclosed to the borrower timely on XXX, please see system snips for this. XXX The discount points increased to XXX on XXX, the loan was not locked and did not lock until XX/XX/XXXX, the points can fluctuate until the loan locks. This was also disclosed timely to the borrower. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   C A C A C A C A C A C A
  XXXXX 3158707821 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707821 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707823 FCRE9785 09/24/2026 Credit Missing Doc Purchase Contract is Incomplete Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. The Purchase Contract has expired; therefore, an updated Contract of Sale with a valid expiration date is required.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   B A B A B A B A B A B A
  XXXXX 3158707823 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707823 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707828 finding-3634 10/01/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the added Final Inspection Fee on the LE dated XX/XX/XXXX. There were no COC's found in the file Document Uploaded. Do Not Concur. Please see system snips showing that the appraisal was received on XX/XX/XXXX indicating that it was subject to repairs, a final inspection was required and ordered. This disclosed timely to the borrower on XXX. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 10/01/2026   C A C A C A C A C A C A
  XXXXX 3158707828 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707828 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707830 finding-3634 10/15/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Please see attached PCCD package; Document Uploaded. Do Not Concur. Please see system snip showing that after the first LE it was determined that an updated appraisal was needed on XX/XX/XXXX. This fee was added and disclosed timely to the borrower on XXX on XX/XX/XXXX.; Document Uploaded. Do Not Concur. Since there are two exceptions within this one exception I will list them in numerical order. XXX The discount points increased when the pricing changed. XXX It was determined after the sale contract was received that an appraisal was needed. Please see system snips showing the CICs dated and the doc showing both fees were disclosed timely to the borrower on XXX XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Cured     C B C B C B C B C B C B
  XXXXX 3158707830 FPRO1281 09/30/2026 Property Property Issue The appraisal was completed "Subject To" and the Completion Certificate in file is incomplete. The Primary Value Appraisal was provided subject to completion and the 1004D Certification of Completion was not provided. Document Uploaded. appraisal was subject to septic inspection - see attached XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707830 FPRO1136 09/30/2026 Property Appraisal Subject property appraisal is not on an as-is basis (Primary Value) Primary Value Subject Property Appraisal is not on an As-Is Basis. Document Uploaded. appraisal was subject to septic inspection - see attached XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707830 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 95% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 95% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707831 finding-3635 10/02/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee on the revised CD dated XX/XX/XXXX without a valid COC in file. Document Uploaded. Do Not Concur. Please see system snips describing that the loan rate changed and a subordination agreement was approved on XX/XX/XXXX, and a solar panel lease was discovered on XX/XX/XXXX after the appraisal was completed. These have docs that needed to be recorded and this increased the recording fees. This was disclosed timely on XXX XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 10/02/2026   C A C A C A C A C A C A
  XXXXX 3158707831 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707831 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707832 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707832 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707832 FPRO2924 09/24/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707834 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707834 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707834 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707836 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707836 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707836 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 105% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707839 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 97% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707839 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 97% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707839 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 97% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707840 finding-3635 10/05/2026 Compliance TRID Tolerance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording Fee. Document Uploaded. Please see PCCD and Refund sent to the borrower XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 63.38% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.38% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Cured     C B C B C B C B C B C B
  XXXXX 3158707840 finding-3634 10/02/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Loan discount points. The change occurred on LE XX/XX/XXXX without a COC or other supporting documentation. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. Please see system snips showing a loan rate change on XX/XX/XXXX which caused the discount points to changed, this was disclosed timely on XXX XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 63.38% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.38% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/02/2026   C A C A C A C A C A C A
  XXXXX 3158707840 FCRE1437 10/01/2026 Credit Income/Employment Income and Employment Do Not Meet Guidelines Paystub covering XXX months for the current year, W-2 - XXX is Missing, however we have W-2 - XXX This is digital income XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707840 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 63.38% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.38% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707853 FCRE5116 09/30/2026 Credit Missing Doc Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Require borrower rental history and no primary housing expense letter to verify.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707853 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 53.1% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.1% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707853 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 53.1% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.1% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707854 finding-3634 10/02/2026 Compliance TRID Tolerance Charges That Cannot Increase Test This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. Do Not Concur. Please see system snips of CIC for an appraisal exception that was needed, the fee increased and was disclosed timely to the borrower on LE v3.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.09% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.09% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/02/2026   C A C A C A C A C A C A
  XXXXX 3158707854 FCRE1185 09/30/2026 Credit Missing Doc AUS Partially Provided AUS Partially Provided. AUS Findings Report: The loan file contains XXX historical LPA Feedback Certificates; however, the Full LPA Findings Report (complete text) corresponding to the final approval is missing from the e-file.   XXX: Clear   Rescinded     A A A A A A A A A A A A
  XXXXX 3158707854 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.09% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.09% is less than Guideline CLTV of 97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707858 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707858 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707858 FPRO2924 09/24/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Loan was approved with PIW per AUS   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 97% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 97% Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707861 FPRO9990 09/30/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Not provided   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/30/2026   C A C A C A C A C A C A
  XXXXX 3158707861 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707861 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707861 FPRO2924 09/24/2026 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Property Inspection Waiver or Appraisal Waiver used as origination valuation product.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
  XXXXX 3158707862 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707862 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707862 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707864 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707864 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707864 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707865 FCRE8999 09/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707865 FPRO8998 09/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707865 FCOM8997 09/24/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 09/24/2026   A A A A A A A A A A A A
  XXXXX 3158707829 FPRO9990 10/13/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. - The FNMA UCDP did not provide a risk score and FHLMC UCDP reflects rep and warrant not eligible. Therefore, a TPV is required, which was not provided separately by the lender. Document Uploaded. CDA uploaded XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/13/2026   C A C A C A C A C A C A
  XXXXX 3158707829 FCOM8997 10/06/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/06/2026   A A A A A A A A A A A A
  XXXXX 3158707829 FCRE8999 10/06/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Resolved 10/06/2026   A A A A A A A A A A A A