j.p. morgan acceptance corporation ii ABS-15G

 

Exhibit 99.23

 

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
XXX XXXXX 305174304 XXX-11 6/26/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305171200 XXX-15 6/26/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305156234 XXX-17 6/26/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305156232 XXX-18 6/26/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305156233 XXX-19 6/26/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX Title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX DSCR XXX months reserves Acknowledged 6/26/2026   B B B B B B B B B B B B
XXX XXXXX 305098042 XXX-23 6/26/2026 Credit Closing Documentation Closing Documentation Missing or Defective Closing Protection Letter is MISSING MORTGAGEe clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage. XX/XX/XXXX XXX: please see the attached documentation. The Closing protection letter is not required to include the ISAOA verbiage as long as the final title documentation includes the verbiage. I've attached the final title policy that confirms the named insured is the same as the CPL and the ISAOA verbiage is included. XXX: Clear   Resolved 6/30/2026   C A C A C A C A C A C A
XXX XXXXX 305148457 XXX-31 6/29/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 6/29/2026   A A A A A A A A A A A A
XXX XXXXX 305167426 XXX-37 6/30/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 6/30/2026   A A A A A A A A A A A A
XXX XXXXX 305153893 XXX-38 6/30/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 6/30/2026   A A A A A A A A A A A A
XXX XXXXX 305139317 XXX-39 6/30/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 6/30/2026   A A A A A A A A A A A A
XXX XXXXX 305125613 XXX-40 6/30/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 6/30/2026   A A A A A A A A A A A A
XXX XXXXX 305153891 XXX-43 6/30/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 6/30/2026   A A A A A A A A A A A A
XXX XXXXX 305170573 XXX-47 6/30/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 6/30/2026   A A A A A A A A A A A A
XXX XXXXX 305168013 XXX-53 7/1/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX, XXX DSCR Acknowledged 7/1/2026   B B B B B B B B B B B B
XXX XXXXX 305174302 XXX-54 7/1/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/1/2026   A A A A A A A A A A A A
XXX XXXXX 305144697 XXX-59 7/1/2026 Credit Hazard Insurance Hazard Insurance Missing or Defective Hazard insurance policy in file is missing subject property address. Please provide updated hazard insurance policy. XX/XX/XXXX XXX: Please see attached documentation XXX: Clear   Resolved 7/6/2026   D A D A D A D A D A D A
XXX XXXXX 305175136 XXX-60 7/1/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Cleared XXX: Clear   Resolved 7/1/2026   A A A A A A A A A A A A
XXX XXXXX 305170555 XXX-66 7/2/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305167960 XXX-68 7/2/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX Months Reserves, XXX Acknowledged 7/2/2026   B B B B B B B B B B B B
XXX XXXXX 305120094 XXX-70 7/2/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305182551 XXX-72 7/2/2026 Credit Hazard Insurance Hazard Insurance Missing or Defective Hazard insurance policy is MISSING MORTGAGEe clause after lender's name. Please provide updated hazard insurance policy with ISAOA/ATIMA verbiage. XX/XX/XXXX - XXX: Please see attached. XXX: Clear   Resolved 7/8/2026   C A C A C A C A C A C A
XXX XXXXX 305141947 XXX-74 7/2/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305153892 XXX-78 7/2/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305148461 XXX-80 7/2/2026 Credit Closing Documentation Note Missing or Defective Audit XXX of XXX months does not align with client tape XXX of XXX months. Final CD and mortgage in file reflect XXX month PPP. LI XX/XX/XXXX Please see attached Change of Circumstance and Closing Disclosure from XX/XX/XXXX that shows the XXX was added and the disclosure was sent to the borrower. XXX: Clear   Resolved 7/9/2026   C A C A C A C A C A C A
XXX XXXXX 305148461 XXX-81 7/2/2026 Credit Asset Documentation Insufficient Assets for Reserves Audited XXX months reserves are less than the guideline minimum of XXX months reserves. Please provide additional asset documentation. XX/XX/XXXX XXX: please see the attached POC that's sourced to cover the remaining cash to close and reserve requirements. Please see that the invoice States the funds were paid by card and the bank Statement supports the funds being paid. XXX: Clear   Resolved 7/6/2026   C A C A C A C A C A C A
XXX XXXXX 305170551 XXX-82 7/6/2026 Property Ineligible Property Ineligible Property – Zoning Non-compliance Subject property is zoned commercial. Per guidelines, zoning violations including residential properties zoned commercial are ineligible XXX. XX/XX/XXXX: waived via email XXX: Clear LTV 70%, DSCR XXX months reserves Acknowledged 7/9/2026   C B C B C B C B C B C B
XXX XXXXX 305174242 XXX-88 7/6/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX, XX/XX/XXXX months reserves Acknowledged 7/6/2026   B B B B B B B B B B B B
XXX XXXXX 305170578 XXX-89 7/6/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX, XXX months reserves Acknowledged 7/6/2026   B B B B B B B B B B B B
XXX XXXXX 305175076 XXX-90 7/6/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305170576 XXX-92 7/6/2026 Property Leasehold Estate Leasehold Requirements Not Met or Not Provided Subject property is a leasehold, which is not eligible per guidelines. XX/XX/XXXX XXX: please see the attached documentation. While the property was currently listed as a leasehold please see the attached documentation that confirms the borrower is buying out the ground rent redemption, so it will no longer be a leasehold. Additionally, please see the explanation from title that confirms this property will be a fee simple property and will be on the final title policy. XXX: Clear   Resolved 7/7/2026   C A C A C A C A C A C A
XXX XXXXX 305130546 XXX-93 7/6/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305126365 XXX-96 7/6/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305175081 XXX-99 7/6/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305147629 XXX-100 7/6/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305175080 XXX-101 7/6/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305139320 XXX-102 7/6/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305175095 XXX-103 7/6/2026 Credit Title or Lien Title Insurance Missing or Defective Title Commitment is missing mortagee clause. Please provide updated Title Comittment with ISAOA verbiage XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX, XXX Months Reserves Acknowledged 7/6/2026   B B B B B B B B B B B B
XXX XXXXX 305169843 XXX-104 7/6/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305175077 XXX-105 7/6/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305156857 XXX-107 7/7/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305125612 XXX-108 7/7/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX Title insurance coverage < XXX minimum coverage required XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX DSCR XXX Acknowledged 7/7/2026   B B B B B B B B B B B B
XXX XXXXX 305147830 XXX-110 7/7/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305174118 XXX-112 7/7/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305142486 XXX-113 7/7/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305149358 XXX-114 7/7/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305148804 XXX-116 7/7/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305178004 XXX-117 7/7/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305179629 XXX-125 7/8/2026 Property Ineligible Property Property Listed for Sale on Refinance Transaction Subject property is listed for sale. Property listing must be fully removed prior to closing. XX/XX/XXXX XXX: Please see the attached XXX listing showing the property was withdraw on XX/XX/XXXX and the XXX om listing support that the property was off market. XXX: Clear   Resolved 7/14/2026   C A C A C A C A C A C A
XXX XXXXX 305171666 XXX-127 7/8/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305179482 XXX-128 7/8/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305176256 XXX-129 7/8/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305170649 XXX-130 7/8/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305170550 XXX-131 7/8/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305170322 XXX-133 7/8/2026 Credit Hazard Insurance Hazard Insurance Missing or Defective Hazard insurance policy is MISSING MORTGAGEe clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage XX/XX/XXXX XXX: The HOI policy does not have a section for the mortgagee clause to be listed however, the invoice that was sent to the investor does show the address and mortgagee XXX XXX: Clear   Resolved 7/9/2026   C A C A C A C A C A C A
XXX XXXXX 305144402 XXX-135 7/8/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305178009 XXX-140 7/8/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear XX/XX/XXXX DSCR, XXX, XXX Months Reserves Acknowledged 7/8/2026   B B B B B B B B B B B B
XXX XXXXX 305134662 XXX-142 7/8/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305171862 XXX-143 7/8/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305153897 XXX-145 7/9/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305176762 XXX-146 7/9/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305155399 XXX-147 7/9/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear DSCR XXX, FICO XXX Acknowledged 7/9/2026   B B B B B B B B B B B B
XXX XXXXX 305155372 XXX-148 7/9/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305175061 XXX-149 7/9/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305175075 XXX-158 7/9/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305153977 XXX-159 7/9/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX Title Insurance Coverage < XXX Minimum Coverage Required. XX/XX/XXXX: Waived via overlay XXX: Clear DSCR XXX, XXX FICO Acknowledged 7/9/2026   B B B B B B B B B B B B
XXX XXXXX 305156236 XXX-160 7/9/2026 Property Ineligible Property Ineligible Property – Square Footage Subject property XXX square feet of gross living area is less then the XXX square foot requirement per guidelines. XX/XX/XXXX XXX: Please see the attached email showing this file was granted an exception from the investor the less than XXX square foot. XXX: Clear DSCR XXX LTV 75%, XXX Acknowledged 7/10/2026   C B C B C B C B C B C B
XXX XXXXX 305179630 XXX-161 7/9/2026 Credit Title or Lien Title Insurance Missing or Defective Preliminary Title report is missing Lender name, Mortagee clause, & Coverage amount. Please provide supplemental Title commitment with ISAOA/ATIMA verbiage and coverage amount. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX, XXX Months reserves Acknowledged 7/9/2026   B B B B B B B B B B B B
XXX XXXXX 305176254 XXX-166 7/9/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305100632 XXX-167 7/9/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305177985 XXX-172 7/9/2026 Credit Title or Lien Title Insurance Missing or Defective Preliminary Title report is missing Lender name, Mortagee clause, & Coverage amount. Please provide supplemental Title commitment with ISAOA/ATIMA verbiage and coverage amount. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX, DSCR XX/XX/XXXX Acknowledged 7/9/2026   B B B B B B B B B B B B
XXX XXXXX 305149357 XXX-174 7/9/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305087050 XXX-176 7/9/2026 Credit Application/Processing Entity Documentation - Missing or Defective Missing EIN for borrowing entity: XXX XX/XX/XXXX XXX: Please see the attached document showing the EIN for XXX XXX: Clear   Resolved 7/10/2026   D A D A D A D A D A D A
XXX XXXXX 305174220 XXX-179 7/9/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305170549 XXX-181 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305175067 XXX-182 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305170651 XXX-183 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305133687 XXX-184 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305176443 XXX-185 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305179658 XXX-188 7/10/2026 Property Project Documentation Condo Questionnaire Missing or Defective Missing condominium questionnaire XX/XX/XXXX XXX: Please note that per the guidelines if the loan is XXX approved and XXX approved by XXX, the questionnaire is no longer required as the condo documents have been reviewed by XXX and determines this as an eligible product. Since the XXX from XXX did not call out any potential issues that needed to be addressed, the XXX approval from XXX is sufficient to meet the questionnaire guidelines. XXX: Clear   Resolved 7/14/2026   D A D A D A D A D A D A
XXX XXXXX 305144916 XXX-189 7/10/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX Title coverage < XXX Coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX DSCR XXX Acknowledged 7/10/2026   B B B B B B B B B B B B
XXX XXXXX 305177983 XXX-190 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305171673 XXX-195 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305148463 XXX-196 7/10/2026 Credit Title or Lien Title Insurance Missing or Defective Title Commitment report is missing Lender name and Mortagee clause. Please provide Updated Title commitment with ISAOA/ATIMA verbiage. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX DSCR XXX Acknowledged 7/10/2026   B B B B B B B B B B B B
XXX XXXXX 305171199 XXX-198 7/10/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX Title coverage < XXX coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX DSCR XXX Acknowledged 7/10/2026   B B B B B B B B B B B B
XXX XXXXX 305156869 XXX-199 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305174303 XXX-201 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305176233 XXX-204 7/10/2026 Credit Title or Lien Title Insurance Missing or Defective Title Commitment is missing mortagee clause. Please provide updated Title Comittment with ISAOA verbiage XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX DSCR XXX Acknowledged 7/10/2026   B B B B B B B B B B B B
XXX XXXXX 305178470 XXX-205 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305133103 XXX-207 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305148465 XXX-208 7/10/2026 Credit Title or Lien Title Insurance Missing or Defective Title Commitment is missing mortagee clause. Please provide updated Title Comittment with ISAOA verbiage XX/XX/XXXX: Waived via overlay XXX: Clear DSCR XXX FICO XXX Acknowledged 7/10/2026   B B B B B B B B B B B B
XXX XXXXX 305175438 XXX-209 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305180357 XXX-212 7/10/2026 Credit Title or Lien Title Insurance Missing or Defective Preliminary Title report is missing Lender name, Mortagee clause, & Coverage amount. Please provide supplemental Title commitment with ISAOA/ATIMA verbiage and coverage amount. XX/XX/XXXX: Waived via overlay XXX: Clear DSCR XXX FICO XXX Acknowledged 7/10/2026   B B B B B B B B B B B B
XXX XXXXX 305176124 XXX-213 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305144482 XXX-214 7/10/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305182595 XXX-219 7/13/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/13/2026   A A A A A A A A A A A A
XXX XXXXX 305175441 XXX-221 7/13/2026 Credit Title or Lien Title Insurance Missing or Defective Title Commitment is missing mortagee clause. Please provide updated Title Comittment with ISAOA verbiage XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX, XX/XX/XXXX FICO Acknowledged 7/13/2026   B B B B B B B B B B B B
XXX XXXXX 305175441 XXX-222 7/13/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX, XX/XX/XXXX FICO Acknowledged 7/13/2026   B B B B B B B B B B B B
XXX XXXXX 305179655 XXX-223 7/13/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/13/2026   A A A A A A A A A A A A
XXX XXXXX 305085802 XXX-225 7/13/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/13/2026   A A A A A A A A A A A A
XXX XXXXX 305157723 XXX-226 7/13/2026 Credit Hazard Insurance Hazard Insurance Missing or Defective Hazard insurance policy in file is missing expiration date XX/XX/XXXX XXX: Please see the attached policy page XXX under the binder section showing that " by this binder will be the full annual premium" which means that expiration date of this policy is XX/XX/XXXX. XXX: Clear   Resolved 7/15/2026   C A C A C A C A C A C A
XXX XXXXX 305183731 XXX-228 7/13/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/13/2026   A A A A A A A A A A A A
XXX XXXXX 305175354 XXX-229 7/13/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/13/2026   A A A A A A A A A A A A
XXX XXXXX 305183665 XXX-230 7/13/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/13/2026   A A A A A A A A A A A A
XXX XXXXX 305133088 XXX-232 7/13/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/13/2026   A A A A A A A A A A A A
XXX XXXXX 305176128 XXX-233 7/13/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/13/2026   A A A A A A A A A A A A
XXX XXXXX 305176457 XXX-236 7/13/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/13/2026   A A A A A A A A A A A A
XXX XXXXX 305174295 XXX-238 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305174135 XXX-240 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305176120 XXX-244 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305170660 XXX-246 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305175079 XXX-247 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305176444 XXX-251 7/14/2026 Credit Title or Lien Title Insurance Missing or Defective Title Commitment is missing mortagee clause. Please provide updated Title Comittment with ISAOA verbiage XX/XX/XXXX: Waived via overlay XXX: Clear XX/XX/XXXX DSCR, FICO XXX Acknowledged 7/14/2026   B B B B B B B B B B B B
XXX XXXXX 305178006 XXX-252 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305178471 XXX-253 7/14/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $ XXX title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear DSCR XXX, FICO XXX Acknowledged 7/14/2026   B B B B B B B B B B B B
XXX XXXXX 305167943 XXX-254 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305180398 XXX-255 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305170831 XXX-256 7/14/2026 Credit Asset Calculation Asset Documentation Missing or Defective Missing two months bank Statement for XXX account #XXX used in liquidity calculation XX/XX/XXXX XXX: Please note that the funds used to close are coming from the borrower's HELOC. Attached is the Statement that shows the XXX were drawn from the HELOC and transferred to the account. XXX: Clear   Resolved 7/27/2026   C A C A C A C A C A C A
XXX XXXXX 305170323 XXX-258 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305120381 XXX-259 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305175133 XXX-260 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305173241 XXX-261 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305179660 XXX-262 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305187975 XXX-263 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305169904 XXX-264 7/14/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX DSCR XXX Acknowledged 7/14/2026   B B B B B B B B B B B B
XXX XXXXX 305175134 XXX-268 7/14/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305174226 XXX-269 7/15/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/15/2026   A A A A A A A A A A A A
XXX XXXXX 305103897 XXX-270 7/15/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/15/2026   A A A A A A A A A A A A
XXX XXXXX 305175059 XXX-271 7/15/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/15/2026   A A A A A A A A A A A A
XXX XXXXX 305176759 XXX-272 7/15/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/15/2026   A A A A A A A A A A A A
XXX XXXXX 305173237 XXX-274 7/15/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/15/2026   A A A A A A A A A A A A
XXX XXXXX 305186566 XXX-276 7/15/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/15/2026   A A A A A A A A A A A A
XXX XXXXX 305182580 XXX-277 7/15/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/15/2026   A A A A A A A A A A A A
XXX XXXXX 305186097 XXX-279 7/15/2026 Property Leasehold Estate Leasehold Requirements Not Met or Not Provided Appraisal and Title report reflect that the subject property is a leasehold, which is not eligible per guidelines. XX/XX/XXXX XXX: Please see the attached email from title showing that this property will be insured as FEE simple property. XXX: Clear   Resolved 7/27/2026   C A C A C A C A C A C A
XXX XXXXX 305181956 XXX-283 7/16/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/16/2026   A A A A A A A A A A A A
XXX XXXXX 305145554 XXX-284 7/16/2026 Credit Title or Lien Title Insurance Missing or Defective Title Commitment is missing mortagee clause. Please provide updated Title Comittment with ISAOA verbiage XX/XX/XXXX: Waived via overlay XXX: Clear DSCR XXX, FICO XXX Acknowledged 7/16/2026   B B B B B B B B B B B B
XXX XXXXX 305155384 XXX-287 7/16/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/16/2026   A A A A A A A A A A A A
XXX XXXXX 305183673 XXX-289 7/16/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/16/2026   A A A A A A A A A A A A
XXX XXXXX 305176753 XXX-290 7/16/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/16/2026   A A A A A A A A A A A A
XXX XXXXX 305175129 XXX-291 7/16/2026 Credit Insurance Hazard Insurance Missing or Defective Hazard insurance policy is MISSING MORTGAGEe clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage XX/XX/XXXX XXX: Please see the attached policy showing the ISAOA/ATIMA. XXX: Clear   Resolved 7/20/2026   C A C A C A C A C A C A
XXX XXXXX 305190719 XXX-294 7/16/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/16/2026   A A A A A A A A A A A A
XXX XXXXX 305186100 XXX-295 7/16/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/16/2026   A A A A A A A A A A A A
XXX XXXXX 305180327 XXX-296 7/16/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $ XXX title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX DSCR XXX Acknowledged 7/16/2026   B B B B B B B B B B B B
XXX XXXXX 305180361 XXX-297 7/16/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/16/2026   A A A A A A A A A A A A
XXX XXXXX 305142487 XXX-298 7/16/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/16/2026   A A A A A A A A A A A A
XXX XXXXX 305184214 XXX-300 7/16/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $ XXX title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear XXX, FICO XXX DSCR XX/XX/XXXX Acknowledged 7/16/2026   B B B B B B B B B B B B
XXX XXXXX 305142489 XXX-302 7/16/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/16/2026   A A A A A A A A A A A A
XXX XXXXX 305155265 XXX-303 7/16/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/16/2026   A A A A A A A A A A A A
XXX XXXXX 305175065 XXX-304 7/17/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/17/2026   A A A A A A A A A A A A
XXX XXXXX 305153993 XXX-305 7/17/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/17/2026   A A A A A A A A A A A A
XXX XXXXX 305142651 XXX-308 7/17/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/17/2026   A A A A A A A A A A A A
XXX XXXXX 305147829 XXX-312 7/17/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/17/2026   A A A A A A A A A A A A
XXX XXXXX 305175074 XXX-317 7/17/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/17/2026   A A A A A A A A A A A A
XXX XXXXX 305148464 XXX-318 7/17/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/17/2026   A A A A A A A A A A A A
XXX XXXXX 305186101 XXX-319 7/17/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/17/2026   A A A A A A A A A A A A
XXX XXXXX 305173130 XXX-320 7/17/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/17/2026   A A A A A A A A A A A A
XXX XXXXX 305136611 XXX-321 7/17/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage $ XXX title insurance coverage < XXX minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX DSCR XXX Acknowledged 7/17/2026   B B B B B B B B B B B B
XXX XXXXX 305178018 XXX-323 7/17/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/17/2026   A A A A A A A A A A A A
XXX XXXXX 305187931 XXX-324 7/17/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/17/2026   A A A A A A A A A A A A
XXX XXXXX 305155277 XXX-325 7/17/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/17/2026   A A A A A A A A A A A A
XXX XXXXX 305186099 XXX-329 7/20/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/20/2026   A A A A A A A A A A A A
XXX XXXXX 305185889 XXX-330 7/20/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX Title Insurance Coverage < XXX Minimum Coverage Required. XX/XX/XXXX: Waived via overlay XXX: Clear XXX, DSCR XXX FICO XXX Acknowledged 7/20/2026   B B B B B B B B B B B B
XXX XXXXX 305178015 XXX-331 7/20/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/20/2026   A A A A A A A A A A A A
XXX XXXXX 305183668 XXX-332 7/20/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/20/2026   A A A A A A A A A A A A
XXX XXXXX 305177998 XXX-334 7/20/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/20/2026   A A A A A A A A A A A A
XXX XXXXX 305175072 XXX-335 7/20/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/20/2026   A A A A A A A A A A A A
XXX XXXXX 305186095 XXX-336 7/20/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX Title Insurance Coverage < XXX Minimum Coverage Required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX DSCR XXX Acknowledged 7/20/2026   B B B B B B B B B B B B
XXX XXXXX 305175055 XXX-337 7/20/2026 Credit Title or Lien Title Insurance Missing or Defective Preliminary Title report is missing coverage amount and mortgagee clause. Please provide supplemental report with coverage amount and mortgagee clause with ISAOA verbiage. XX/XX/XXXX: Waived via overlay XXX: Clear XXX, FICO XXX DSCR Acknowledged 7/20/2026   B B B B B B B B B B B B
XXX XXXXX 305179743 XXX-338 7/20/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/20/2026   A A A A A A A A A A A A
XXX XXXXX 305183991 XXX-339 7/20/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX Title coverage < XXX minimum required. XX/XX/XXXX: Waived via overlay XXX: Clear XXX, FICO XXX DSCR XXX Acknowledged 7/20/2026   B B B B B B B B B B B B
XXX XXXXX 305186572 XXX-340 7/20/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/20/2026   A A A A A A A A A A A A
XXX XXXXX 305193289 XXX-342 7/20/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX Title insurance coverage < XXX Minimum coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX DSCR XXX Acknowledged 7/20/2026   B B B B B B B B B B B B
XXX XXXXX 305137396 XXX-343 7/20/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/20/2026   A A A A A A A A A A A A
XXX XXXXX 305181874 XXX-345 7/20/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/20/2026   A A A A A A A A A A A A
XXX XXXXX 305178005 XXX-346 7/20/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/20/2026   A A A A A A A A A A A A
XXX XXXXX 305178001 XXX-347 7/20/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/20/2026   A A A A A A A A A A A A
XXX XXXXX 305175454 XXX-349 7/20/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage Title coverage XXX < XXX coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear XXX, FICO XXX DSCR XX/XX/XXXX Acknowledged 7/20/2026   B B B B B B B B B B B B
XXX XXXXX 305175454 XXX-350 7/20/2026 Credit Title or Lien Title Insurance Missing or Defective Closing Protection Letter is MISSING MORTGAGEe clause. Please provide updated Closing Protection Letter with ISAOA verbiage. XX/XX/XXXX: Waived via overlay XXX: Clear XXX, FICO XXX DSCR XX/XX/XXXX Acknowledged 7/20/2026   B B B B B B B B B B B B
XXX XXXXX 305155500 XXX-357 7/21/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/21/2026   A A A A A A A A A A A A
XXX XXXXX 305153975 XXX-369 7/22/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/22/2026   A A A A A A A A A A A A
XXX XXXXX 305101540 XXX-370 7/22/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/22/2026   A A A A A A A A A A A A
XXX XXXXX 305144409 XXX-374 7/22/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/22/2026   A A A A A A A A A A A A
XXX XXXXX 305183732 XXX-375 7/22/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX Title coverage < XXX Coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear XXX, FICO XXX DSCR XX/XX/XXXX Acknowledged 7/22/2026   B B B B B B B B B B B B
XXX XXXXX 305190706 XXX-391 7/23/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/23/2026   A A A A A A A A A A A A
XXX XXXXX 305181957 XXX-395 7/23/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/23/2026   A A A A A A A A A A A A
XXX XXXXX 305186283 XXX-396 7/23/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/23/2026   A A A A A A A A A A A A
XXX XXXXX 305153916 XXX-400 7/23/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/23/2026   A A A A A A A A A A A A
XXX XXXXX 305136704 XXX-401 7/23/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/23/2026   A A A A A A A A A A A A
XXX XXXXX 305174131 XXX-402 7/23/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/23/2026   A A A A A A A A A A A A
XXX XXXXX 305153919 XXX-404 7/23/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/23/2026   A A A A A A A A A A A A
XXX XXXXX 305153992 XXX-409 7/24/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/24/2026   A A A A A A A A A A A A
XXX XXXXX 305190519 XXX-410 7/24/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/24/2026   A A A A A A A A A A A A
XXX XXXXX 305175069 XXX-411 7/24/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/24/2026   A A A A A A A A A A A A
XXX XXXXX 305185905 XXX-412 7/24/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/24/2026   A A A A A A A A A A A A
XXX XXXXX 305153920 XXX-421 7/24/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX Title coverage < XXX Coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear XXX, FICO XXX DSCR XX/XX/XXXX Acknowledged 7/24/2026   B B B B B B B B B B B B
XXX XXXXX 305153918 XXX-423 7/24/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/24/2026   A A A A A A A A A A A A
XXX XXXXX 305140100 XXX-425 7/24/2026 Property Leasehold Estate Leasehold Requirements Not Met or Not Provided Appraisal and Title report reflect that the subject property is a leasehold, which is not eligible per guidelines. XX/XX/XXXX XXX: Please see the attached documentation. While the subject property was currently a leasehold property, the ground rent is being redeemed at closing. I've attached the documentation to support the remaining amount that was being paid to ensure that the property will be converted to a fee simple. XXX: Clear   Resolved 7/27/2026   C A C A C A C A C A C A
XXX XXXXX 305173247 XXX-426 7/24/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/24/2026   A A A A A A A A A A A A
XXX XXXXX 305147535 XXX-430 7/27/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/27/2026   A A A A A A A A A A A A
XXX XXXXX 305188082 XXX-432 7/27/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/27/2026   A A A A A A A A A A A A
XXX XXXXX 305082969 XXX-436 7/27/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/27/2026   A A A A A A A A A A A A
XXX XXXXX 305133555 XXX-438 7/27/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/27/2026   A A A A A A A A A A A A
XXX XXXXX 305183726 XXX-440 7/27/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/27/2026   A A A A A A A A A A A A
XXX XXXXX 305197037 XXX-445 7/28/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/28/2026   A A A A A A A A A A A A
XXX XXXXX 305183715 XXX-448 7/28/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/28/2026   A A A A A A A A A A A A
XXX XXXXX 305148467 XXX-453 7/28/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/28/2026   A A A A A A A A A A A A
XXX XXXXX 305192113 XXX-455 7/28/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/28/2026   A A A A A A A A A A A A
XXX XXXXX 305183675 XXX-456 7/28/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/28/2026   A A A A A A A A A A A A
XXX XXXXX 305183651 XXX-460 7/28/2026 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX Title coverage < XXX Coverage required. XX/XX/XXXX: Waived via overlay XXX: Clear XXX, FICO XXX DSCR XXX Acknowledged 7/28/2026   B B B B B B B B B B B B
XXX XXXXX 305153991 XXX-464 7/28/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/28/2026   A A A A A A A A A A A A
XXX XXXXX 305190717 XXX-465 7/28/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/28/2026   A A A A A A A A A A A A
XXX XXXXX 305153917 XXX-469 7/28/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/28/2026   A A A A A A A A A A A A
XXX XXXXX 305190491 XXX-470 7/28/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/28/2026   A A A A A A A A A A A A
XXX XXXXX 305175070 XXX-473 7/28/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/28/2026   A A A A A A A A A A A A
XXX XXXXX 305191598 XXX-476 7/29/2026 No Findings No Findings No Findings This loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Resolved 7/29/2026   A A A A A A A A A A A A
XXX XXXXX 304321379 XXX-1713 5/20/2024 Credit Credit Eligibility Significant Derogatory Credit Event – Requirement Not Me Background report reflects XXX foreclosures dated XX/XX/XXXX for properties located at: XXX XXX XX/XX/XXXX XXX: Please see attached CD's that confirm these three properties were purchased by the borrower as a foreclosure. The verification of business provided shows that the borrower owns the business "XXX" which were transferred into the name of the business. XXX: Clear   Cleared 7/2/2024   C A C A C A C A C A C A
XXX XXXXX 304398699 XXX-4388 10/11/2024 Property Appraisal Documentation Exterior Inspection Missing or Defective Property is located in an impacted disaster area. Please provide exterior inspection following post disaster guideline requirements. XX/XX/XXXX: PDI XXX: Clear LTV 47.89%, FICO XXX Acknowledged 10/23/2024   D B D B D B D B D B D B
XXX XXXXX 304393296 XXX-4929 11/5/2024 No Findings No Findings No Findings The loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Cleared 11/5/2024   A A A A A A A A A A A A
XXX XXXXX 304678078 XXX-8353 4/11/2025 No Findings No Findings No Findings The loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Cleared 4/11/2025   A A A A A A A A A A A A
XXX XXXXX 304684693 XXX-9442 6/10/2025 Credit Title or Lien Title Insurance Missing or Defective Missing XXX-month chain of title for subject property: XXX XX/XX/XXXX: Title Policy XXX: Clear   Cleared 6/11/2025   D A D A D A D A D A D A
XXX XXXXX 304728743 XXX-10295 8/12/2025 Credit No Findings No Findings The loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Cleared 8/12/2025   A A A A A A A A A A A A
XXX XXXXX 304685820 XXX-10451 8/20/2025 Credit Closing Documentation Note Missing or Defective Audit XXX of XXX months does not align with client tape XXX of XXX months. Final CD and mortgage in file reflect XXX months PPP. XX/XX/XXXX: The security instrument has a XXX month PPP rider attached. XXX: Clear   Cleared 9/3/2025   C A C A C A C A C A C A
XXX XXXXX 304766107 XXX-10504 8/25/2025 No Findings No Findings No Findings The loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Cleared 8/25/2025   A A A A A A A A A A A A
XXX XXXXX 304813206 XXX-10749 9/16/2025 No Findings No Findings No Findings The loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Cleared 9/16/2025   A A A A A A A A A A A A
XXX XXXXX 304780001 XXX-10765 9/16/2025 No Findings No Findings No Findings The loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Cleared 9/16/2025   A A A A A A A A A A A A
XXX XXXXX 304828136 XXX-10857 9/23/2025 Credit Title or Lien Title Insurance Coverage - Inadequate Coverage XXX title insurance coverage < XXX minimum coverage required XX/XX/XXXX: Waived via overlay XXX: Clear FICO XXX months reserves, DSCR XX/XX/XXXX Acknowledged 9/23/2025   B B B B B B B B B B B B
XXX XXXXX 305121328 XXX 10/14/2025 Credit Closing Documentation Closing Disclosure/Settlement Statement Missing or Defective Lender needs to collect escrows at closing equal to the sum of XXX months of taxes and insurance: Only collected XXX month of insurance escrows in the amount of XXX XX/XX/XXXX: Team pls waive with comp factors XXX FICO XXX 2x+ liquidity and XXX) XX/XX/XXXX DSCR and XXX) 62% LTV (max of XXX allowed) XXX: Clear FICO XXX XX/XX/XXXX DSCR, 62% LTV Acknowledged 11/10/2025   C B C B C B C B C B C B
XXX XXXXX 305121328 XXX 10/14/2025 Property Appraisal Documentation Appraisal Review - Missing Missing secondary appraisal for subject property; XXX XX/XX/XXXX: Uploaded XXX: Clear   Cleared 10/21/2025   D A D A D A D A D A D A
XXX XXXXX 305139177 XXX 1/6/2026 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage Insufficient Title Coverage. Title Coverage: XXX < XXX. XX/XX/XXXX: Uploaded XXX: Clear   Cleared 1/14/2026   C A C A C A C A C A C A
XXX XXXXX 305139162 XXX 2/23/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 2/23/2026   A A A A A A A A A A A A
XXX XXXXX 305139172 XXX 2/25/2026 Credit Closing Documentation Guaranty Missing or Defective Guaranty in file reflects a XXX of XXX while Note, Mortgage and HUD reflects a XXX of XXX Please XXX. XX/XX/XXXX: Uploaded XXX: Clear   Cleared 4/2/2026   C A C A C A C A C A C A
XXX XXXXX 305139174 XXX 2/26/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 2/26/2026   A A A A A A A A A A A A
XXX XXXXX 305139165 XXX 2/26/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 2/26/2026   A A A A A A A A A A A A
XXX XXXXX 305139168 XXX 2/26/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 2/26/2026   A A A A A A A A A A A A
XXX XXXXX 305139169 XXX 2/26/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 2/26/2026   A A A A A A A A A A A A
XXX XXXXX 305139170 XXX 2/26/2026 Property Appraisal Documentation Completion Report or 1004D - Missing Appraisal reflects a subject to value due to the legal conversion of building into a condominium. Need 1004D for an XXX. XX/XX/XXXX: Exception waiver in file XXX: Clear FICO XXX x XXX x XXX XX/XX/XXXX DSCR Acknowledged 2/26/2026   B B B B B B B B B B B B
XXX XXXXX 305139173 XXX 2/26/2026 Credit Insurance Hazard Insurance Missing or Defective Hazard Insurance has insufficient rent loss coverage. Qualifying Monthly Rent: XXX - XXX months of rent loss: XXX > XXX rent loss coverage on Hazard Insurance. XX/XX/XXXX: Please waive the XXX shortage. Borrower has XXX XXX the required assets, XXX FICO & XXX XXX: Clear FICO XXX x XXX x XXX XX/XX/XXXX DSCR Acknowledged 3/6/2026   C B C B C B C B C B C B
XXX XXXXX 305139175 XXX 2/26/2026 Property Appraisal Documentation Completion Report or 1004D - Missing Appraisal reflects a subject to value due to the legal conversion of building into a condominium. Need 1004D for an XXX. XX/XX/XXXX: Exception waiver in file XXX: Clear FICO XXX x XXX x XXX XX/XX/XXXX DSCR Acknowledged 2/26/2026   B B B B B B B B B B B B
XXX XXXXX 305139171 XXX 2/26/2026 Credit Closing Documentation Guaranty Missing or Defective Guaranties in file reflects XXX of XXX and XXX while Note, Mortgage and HUD reflect a XXX of XXX Please opine. XX/XX/XXXX: Clear XXX: Clear   Cleared 3/6/2026   C A C A C A C A C A C A
XXX XXXXX 305139166 XXX 2/26/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 2/26/2026   A A A A A A A A A A A A
XXX XXXXX 305139167 XXX 2/26/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 2/26/2026   A A A A A A A A A A A A
XXX XXXXX 305139172 XXX 2/26/2026 Property Appraisal Documentation Completion Report or 1004D - Missing Appraisal reflects a subject to value due to the legal conversion of building into a condominium. Need 1004D for an XXX. XX/XX/XXXX: Exception waiver in file XXX: Clear FICO XXX x XXX x XXX XX/XX/XXXX DSCR Acknowledged 2/26/2026   B B B B B B B B B B B B
XXX XXXXX 305139173 XXX 2/26/2026 Property Appraisal Documentation Completion Report or 1004D - Missing Appraisal reflects a subject to value due to the legal conversion of building into a condominium. Need 1004D for an XXX. XX/XX/XXXX: Exception waiver in file XXX: Clear FICO XXX x XXX x XXX XX/XX/XXXX DSCR Acknowledged 2/26/2026   B B B B B B B B B B B B
XXX XXXXX 305139171 XXX 2/26/2026 Property Appraisal Documentation Completion Report or 1004D - Missing Appraisal reflects a subject to value due to the legal conversion of building into a condominium. Need 1004D for an XXX. XX/XX/XXXX: Exception waiver in file XXX: Clear FICO XXX x XXX x XXX XX/XX/XXXX DSCR Acknowledged 2/26/2026   B B B B B B B B B B B B
XXX XXXXX 305121310 XXX 5/13/2026 Property Appraisal Review Appraisal Review - Missing Missing Appraisal Review for property located at: XXX & XX/XX/XXXX XXX. One is required on every loan file per guidelines. XX/XX/XXXX: Uploaded XXX: Clear   Cleared 5/14/2026   D A D A D A D A D A D A
XXX XXXXX 305121302 XXX 5/13/2026 Property Appraisal Documentation Appraisal Review - Missing Missing Appraisal Review for Property: XXX. One is required on every loan file per guidelines. XX/XX/XXXX: Uploaded XXX: Clear   Cleared 5/14/2026   D A D A D A D A D A D A
XXX XXXXX 305121265 XXX 5/13/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 5/13/2026   A A A A A A A A A A A A
XXX XXXXX 305121315 XXX 5/13/2026 Credit Closing Documentation Minimum Loan Amount Not Met XXX: XXX Minimum XXX per guidelines: XXX XX/XX/XXXX: Due to management based off the following please waive XXX.) Both borrowers FICOs are above XXX.) DSCR XXX XXX: Clear XXX FICO, XXX months reserves, XXX DSCR Acknowledged 5/14/2026   C B C B C B C B C B C B
XXX XXXXX 305139142 XXX 6/4/2026 Property Appraisal Review Appraisal Review - Missing Missing Appraisal Review for Subject Property: XXX XX/XX/XXXX: Uploaded XXX: Clear   Cleared 6/5/2026   D A D A D A D A D A D A
XXX XXXXX 305139142 XXX 6/4/2026 Credit Closing Documentation Minimum Loan Amount Not Met XXX: XXX Minimum XXX per guidelines: XXX XX/XX/XXXX: Due to management please waive based on the following compensating factors XXX.) All XXX borrowers FICOS are over XXX.) DSCR of XX/XX/XXXX XXX: Clear XXX FICO, XX/XX/XXXX DSCR, 75% LTV Acknowledged 6/5/2026   C B C B C B C B C B C B
XXX XXXXX 305121269 XXX 6/4/2026 Credit Closing Documentation Minimum Loan Amount Not Met XXX: XXX Minimum XXX per guidelines: XXX XX/XX/XXXX: Due to management please waive based on the following XXX.) LTV is 55% XXX.) XXX year PPO XXX: Clear XX/XX/XXXX DSCR, 55% LTV, XXX months reserves Acknowledged 6/5/2026   C B C B C B C B C B C B
XXX XXXXX 305139135 XXX 6/5/2026 Property Appraisal Review Appraisal Review - Missing Appraisal review is from XXX. XXX is not one of the approved appraisal reviews per guidelines. Please provide a guideline approved appraisal review. XX/XX/XXXX: Uploaded XXX: Clear   Cleared 6/8/2026   C A C A C A C A C A C A
XXX XXXXX 305139249 XXX 6/9/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 6/9/2026   A A A A A A A A A A A A
XXX XXXXX 305139244 XXX 6/24/2026 Credit Closing Documentation Payoff Statement Missing or Defective Missing payoff letter/VOM for payoff of XXX to XXX in the amount of $XXX. Required document per gudielines. Only have payoff letter in file for the XXX credit line. XX/XX/XXXX: Payoff letter uploaded XXX: Clear   Cleared 6/25/2026   D A D A D A D A D A D A
XXX XXXXX 305121238 XXX 6/24/2026 Credit Loan Amount Minimum Loan Amount Not Met XXX: XXX Minimum XXX per guidelines: XXX XX/XX/XXXX: Due to management please waive based on the following compensating factors XXX.) Borrowers FICO is XXX.) Experienced borrower with over XXX loans and zero lates XXX.) DSCR XX/XX/XXXX XXX: Clear XXX FICO, experienced borrower, XXX x XXX x XXX Acknowledged 6/25/2026   C B C B C B C B C B C B
XXX XXXXX 305121238 XXX 6/24/2026 Credit LTV/ARLTV Excessive LTV Ratio 75% LTV > XXX% max allowed LTV. FICO: XXX-XXX, Refinance (Cash Out), XXX% Subject Property located in XXX XX/XX/XXXX: Due to management please waive based on the following compensating factors XXX.) Borrowers FICO is XXX.) Experienced borrower with over XXX loans and zero lates XXX.) DSCR XX/XX/XXXX XXX: Clear XXX FICO, experienced borrower, XXX x XXX x XXX Acknowledged 6/25/2026   C B C B C B C B C B C B
XXX XXXXX 305139213 XXX 6/25/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305139207 XXX 6/25/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305139182 XXX 6/29/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 6/29/2026   A A A A A A A A A A A A
XXX XXXXX 305139215 XXX 7/10/2026 Property Appraisal Review Appraisal Review - Missing Missing Guideline Approved Appraisal Review for subject property:XXX XX/XX/XXXX: Clear XXX: Clear   Cleared 7/15/2026   D A D A D A D A D A D A
XXX XXXXX 305139137 XXX 7/15/2026 Credit Asset Documentation Asset Documentation Missing or Defective Missing XXX most recent months of bank Statements for XXX Acct #XXX, only have XXX Statement. Please provide additional asset documentation. Not using XXX Acct #XXX because the latest Statement in XXX is not within XXX months of origination. XX/XX/XXXX: Clear XXX: Clear   Cleared 7/17/2026   C A C A C A C A C A C A
XXX XXXXX 305139137 XXX 7/15/2026 Property Appraisal Review Appraisal Review - Missing Missing Guideline Approved Appraisal Review for subject property: XXX. Only have XXX appriasal review in file. XX/XX/XXXX: Clear XXX: Clear   Cleared 7/17/2026   D A D A D A D A D A D A
XXX XXXXX 305139256 XXX 7/15/2026 Property Insurance Hazard Insurance Missing or Defective Missing Hazard Insurance For Subject Property : XXX. Provided Hazard Insurance is Quote Only. Please provide updated Hazard Insurance. XX/XX/XXXX: Clear XXX: Clear   Cleared 7/17/2026   D A D A D A D A D A D A
XXX XXXXX 305121274 XXX 7/15/2026 Property Appraisal Review Appraisal Review - Missing Missing Appraisal Review for subject property: XXX XX/XX/XXXX: Clear XXX: Clear   Cleared 7/17/2026   D A D A D A D A D A D A
XXX XXXXX 305139218 XXX 7/15/2026 No Findings No Findings No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear XXX: Clear   Cleared 7/15/2026   A A A A A A A A A A A A
XXX XXXXX 304779682 XXX-61 9/3/2025 No Findings No Findings No Findings The loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Cleared 9/3/2025   A A A A A A A A A A A A
XXX XXXXX 304779636 XXX-118 9/9/2025 No Findings No Findings No Findings The loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Cleared 9/9/2025   A A A A A A A A A A A A
XXX XXXXX 304779670 XXX-141 9/10/2025 No Findings No Findings No Findings The loan meets all applicable guidelines XX/XX/XXXX: Clear XXX: Clear   Cleared 9/10/2025   A A A A A A A A A A A A
XXX XXXXX 305157920 XXX-01 6/18/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305157816 XXX 6/18/2026 Credit Credit Evidence of Primary Residence and Rent-Free Scenario Missing or Defective Missing VOM for primary residence: XXX XXX: Verfication of Primary Residence uploaded XXX: Clear   Cleared 6/19/2026   D A D A D A D A D A D A
XXX XXXXX 305157919 XXX 7/7/2026 Property Appraisal Appraisal Review - Missing Missing BPO or Field review for the multi-family subject property: XXX XXX: Field Review Uploaded XXX: Clear   Cleared 7/10/2026   D A D A D A D A D A D A
XXX XXXXX 305157919 XXX 7/7/2026 Credit Closing Documentation Note Missing or Defective Missing XXX addendum XXX: PPP uploaded XXX: Clear   Cleared 7/10/2026   D A D A D A D A D A D A
XXX XXXXX 305128430 XXX 5/20/2026 Property Appraisal Appraisal Review - Missing Missing Appraisal Review for subject property: XXX-XXX XXX: Appraisal Review uploaded XXX: Clear   Cleared 5/21/2026   D A D A D A D A D A D A
XXX XXXXX 305102789 XXX-1 5/20/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 5/20/2026   A A A A A A A A A A A A
XXX XXXXX 305128334 XXX 5/27/2026 Credit Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement For Subject property : XXX XXX: Settlement Statement uploaded XXX: Clear   Cleared 6/18/2026   D A D A D A D A D A D A
XXX XXXXX 305128334 XXX 5/27/2026 Credit Assets Asset Documentation Missing or Defective Missing Asset Documentations XXX: HUD from REO refi uploaded XXX: Clear   Cleared 6/4/2026   D A D A D A D A D A D A
XXX XXXXX 305128246 XXX 6/3/2026 Credit Credit Subject Property Lease - Missing or Defective Missing Lease Agreements for all XXX units of subject property: XXX XXX: Lease Agreements uploaded XXX: Clear   Cleared 6/15/2026   D A D A D A D A D A D A
XXX XXXXX 305120672 XXX-1 6/4/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305120660 XXX 6/9/2026 Credit Loan Documentation Sales Contract Missing or Defective Missing fully executed Purchase Agreement for subject property: XXX. The one in the file is missing the sellers signatures XXX: Executed Purchase Contract uploaded XXX: Clear   Cleared 6/15/2026   C A C A C A C A C A C A
XXX XXXXX 305120755 XXX 6/10/2026 Credit Assets Asset Documentation Missing or Defective Missing Asset Documentations XXX: Gift Letter uploaded XXX: Clear   Cleared 6/23/2026   D A D A D A D A D A D A
XXX XXXXX 305128117 XXX 6/11/2026 Credit Loan Documentation Deed Missing or Defective MISSING CONVEYANCE DEED from XXX XXX: Conveyance Deed uploaded XXX: Clear   Cleared 6/16/2026   D A D A D A D A D A D A
XXX XXXXX 305120593 XXX-1 6/10/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305134135 XXX 6/11/2026 Credit Insurance Hazard Insurance Missing or Defective Provided Hazard Policy Declaration for XXX is missing it's policy number. Please provide an updated policy declaration. XXX: Update hazard policy uploaded XXX: Clear   Cleared 6/16/2026   C A C A C A C A C A C A
XXX XXXXX 305128107 XXX 6/12/2026 Credit Title/Lien Title Insurance Coverage - Inadequate Coverage Title coverage of XXX < $XXX minimum coverage required. Please provide an updated title report or supplement XXX: Updated Title XXX: Clear   Cleared 6/15/2026   C A C A C A C A C A C A
XXX XXXXX 305134137 XXX-1 6/16/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305142374 XXX 6/11/2026 Credit Property Data Collection Subject Property Lease - Missing or Defective Missing LOE for subject property vacancy XXX: Vacancy LOE uploaded XXX: Clear   Cleared 6/24/2026   D A D A D A D A D A D A
XXX XXXXX 305142374 XXX 6/11/2026 Credit Borrower and Mortgage Eligibility Excessive LTV Ratio 75% LTV > XXX% Max LTV for a vacant property on a Rate/Term Refinance. XXX: Exception Waiver uploaded XXX: Clear DSCR > XXX Experienced Invesor, C/O covers over XXX months of reserves Acknowledged 6/24/2026   C B C B C B C B C B C B
XXX XXXXX 305156722 XXX-1 6/16/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305156579 XXX-1 6/18/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305128087 XXX 6/17/2026 Credit Borrower and Mortgage Eligibility Excessive LTV Ratio 80% LTV > XXX% Max LTV for an ITIN borrower XXX: Waived XXX: Clear XXX FICO, housing paid as agreed, XXX mo reserves Acknowledged 6/18/2026   C B C B C B C B C B C B
XXX XXXXX 305134081 XXX 6/17/2026 Credit Title/Lien Deed Missing or Defective MISSING CONVEYANCE DEED from XXX XXX: Deed uploaded XXX: Clear   Cleared 6/25/2026   D A D A D A D A D A D A
XXX XXXXX 305156702 XXX-1 6/19/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305128221 XXX-1 6/19/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305142354 XXX-1 6/19/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305142353 XXX 6/19/2026 Credit Assets Insufficient Assets to Close XXX Assets < XXX minimum required liquidity for closing costs and reserves. Please provide additional assets. XXX: HELOC uploaded XXX: Clear   Cleared 7/8/2026   C A C A C A C A C A C A
XXX XXXXX 305156709 XXX-1 6/24/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305134093 XXX-1 6/25/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305156649 XXX-1 6/24/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305120618 XXX-1 6/24/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305128236 XXX-1 6/24/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305088300 XXX 6/22/2026 Credit Borrower and Mortgage Eligibility Guarantor Identification Missing or Defective Missing acceptable evidence of permanent residency for: XXX. Both the initial and Final 1003 reflect the borrower is a XXX. XXX: LOE for discrepancy and updated 1003 uploaded XXX: Clear   Cleared 6/26/2026   D A D A D A D A D A D A
XXX XXXXX 305156600 XXX-1 6/26/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305088796 XXX-1 6/25/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305134031 XXX-1 6/26/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305134081 XXX 6/23/2026 Credit Assets Insufficient Assets for Reserves XXX assets < XXX minimum required to cover cash to close and reserves. Please provide additional assets. XXX: HUD from REO C/O refi uploaded XXX: Clear   Cleared 6/29/2026   C A C A C A C A C A C A
XXX XXXXX 305122632 XXX-1 6/25/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/30/2026   A A A A A A A A A A A A
XXX XXXXX 305142259 XXX-1 6/24/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305156464 XXX 7/1/2026 Credit Borrower and Mortgage Eligibility Entity Documentation - Missing or Defective Missing Operating Agreement for XXX to show the borrower's ownership interest and ability to use the assets in XXX acct #XXX XXX: Entity docs uploaded XXX: Clear   Cleared 7/8/2026   D A D A D A D A D A D A
XXX XXXXX 305172806 XXX-1 7/7/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305156305 XXX-1 7/8/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305172572 XXX-1 7/8/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305156428 XXX-1 7/8/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305172573 XXX-1 7/8/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305142331 XXX 7/8/2026 Credit Title/Lien Title Insurance Missing or Defective Title Report is missing ISAOA after the lender's name. Please provide an updated title report or supplement. XXX: Title uploaded XXX: Clear   Cleared 7/10/2026   C A C A C A C A C A C A
XXX XXXXX 305134111 XXX-1 7/8/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305156647 XXX-1 7/9/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305172714 XXX-1 7/9/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305156728 XXX-1 7/9/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305156727 XXX-1 7/9/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305156282 XXX-1 7/13/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/13/2026   A A A A A A A A A A A A
XXX XXXXX 305156725 XXX-1 7/9/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305172678 XXX-1 7/13/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/13/2026   A A A A A A A A A A A A
XXX XXXXX 305172561 XXX-1 7/9/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/9/2026   A A A A A A A A A A A A
XXX XXXXX 305186435 XXX 7/10/2026 Property Insurance Flood Insurance Missing or Defective Missing flood insurance for subject property: XXX XXX: Flood Insurance uploaded XXX: Clear   Cleared 7/13/2026   D A D A D A D A D A D A
XXX XXXXX 305172680 XXX 7/14/2026 Credit Credit Minimum Loan Amount Not Met XXX < XXX minimum XXX required for Core DSCR program XXX: Exception Waiver uploaded XXX: Clear DSCR > XXX > XXX months reserves, Experienced investor Acknowledged 7/15/2026   C B C B C B C B C B C B
XXX XXXXX 305134019 XXX-1 7/14/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 7/14/2026   A A A A A A A A A A A A
XXX XXXXX 305172679 XXX 7/15/2026 Credit Credit Minimum Loan Amount Not Met XXX < XXX minimum XXX required for Core DSCR program XXX: Exception Waiver uploaded XXX: Clear Experienced Investor, DSCR > XX/XX/XXXX Acknowledged 7/16/2026   C B C B C B C B C B C B
XXX XXXXX 305172680 XXX 7/14/2026 Credit Assets Undocumented Large Deposit/Increase Missing source of large deposit in the amount of XXX on XX/XX/XXXX into the XXX acct #XXX XXX: Source of deposit uploaded XXX: Clear   Cleared 7/16/2026   D A D A D A D A D A D A
XXX XXXXX 304871905 XXX-1 10/31/2025 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 10/31/2025   A A A A A A A A A A A A
XXX XXXXX 305085157 finding-2978 5/4/2026 Compliance Points & Fees MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may XXX make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. 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 | 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 5/4/2026   A A A A A A A A A A A A
XXX XXXXX 305085157 finding-3352 5/4/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. 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 | 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 5/4/2026   A A A A A A A A A A A A
XXX XXXXX 305085157 FPRO8998 5/4/2026 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 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 | 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 5/4/2026   A A A A A A A A A A A A
XXX XXXXX 305085157 FCRE8999 5/4/2026 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 | 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 5/4/2026   A A A A A A A A A A A A
XXX XXXXX 305102758 FCOM1206 5/11/2026 Credit Missing Doc The Note is Missing The Note is Missing. The Note was not found in the loan file. Documentation required to clear exception. Please provide the Missing Note Document Uploaded. Note XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 5/11/2026   D A D A D A D A D A D A
XXX XXXXX 305102758 finding-2962 5/8/2026 Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may XXX make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 5/8/2026   C A A A A A A A A A A A
XXX XXXXX 305102758 finding-3352 5/8/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 5/8/2026   C A A A A A A A A A A A
XXX XXXXX 305102758 FPRO8998 5/8/2026 Property Data No Property Findings No property findings. Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 5/8/2026   A A A A A A A A A A A A
XXX XXXXX 305085071 finding-2978 5/13/2026 Compliance Points & Fees MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may XXX make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 5/13/2026   A A A A A A A A A A A A
XXX XXXXX 305085071 finding-3352 5/13/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 5/13/2026   A A A A A A A A A A A A
XXX XXXXX 305085071 FCRE8999 5/13/2026 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 5/13/2026   A A A A A A A A A A A A
XXX XXXXX 305085071 FPRO8998 5/13/2026 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 5/13/2026   A A A A A A A A A A A A
XXX XXXXX 305102825 FCRE5116 6/19/2026 Credit Missing Doc Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The subject loan is missing a VOM for the Borrowers Primary Residence and the subject property. Some Statements were provided but they are not consecutive and the staart date of the loans is unknown. Document Uploaded. XXX Months 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 6/19/2026   D A D A D A D A D A D A
XXX XXXXX 305102825 FCRE7497 6/19/2026 Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property There is no confirmation for HOA fees on the Borrower's Primary Residence or the non subject investment property. Document Uploaded. No HOA 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 6/19/2026   D A D A D A D A D A D A
XXX XXXXX 305102825 FCOM8997 5/19/2026 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 5/19/2026   A A A A A A A A A A A A
XXX XXXXX 305102825 FPRO8998 5/19/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan. No property findings.   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 5/19/2026   A A A A A A A A A A A A
XXX XXXXX 305120693 FCRE1198 6/4/2026 Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s). Please provide asset documentation for the shortage of assets. Document Uploaded. ; 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 | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   Yes C B C B C B C B C B C B
XXX XXXXX 305120693 FCRE9995 6/4/2026 Credit Assets Audited Reserves are less than Guideline Required Reserves (Dollar Amount) Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Please provide asset documentation for the shortage of assets. Document Uploaded. ; 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 | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   Yes C B C B C B C B C B C B
XXX XXXXX 305120693 FCRE7497 5/29/2026 Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property For property, XXX, the Final 1003 REO page, disclosed a combined monthly payment for taxes, HOA, HOI in the amount of $XXX; however, the mortgage Statement provided in the loan file for this property disclosed taxes and insurance were escrowed in the monthly mortgage payment. The loan file did not contain any documents to verify this XXX monthly payment for this property. Please provide verification documents for this monthly payment of XXX For property, XXX, the Final 1003 REO page, disclosed a combined monthly payment for taxes, HOA, HOI in the amount of $XXX; however, the mortgage Statement provided in the loan file for this property disclosed taxes and insurance were escrowed in the monthly mortgage payment. The loan file did not contain any documents to verify this XXX monthly payment for this property. Please provide verification documents for this monthly payment of $XXX. This monthly payment will be included into the audit calculations as at origination it was included. 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 | Borrower has stable job time - Borrower has XXX years on job. Resolved 5/29/2026   D A D A D A D A D A D A
XXX XXXXX 305120693 finding-2962 5/22/2026 Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may XXX make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. 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 5/22/2026   A A A A A A A A A A A A
XXX XXXXX 305120693 finding-3352 5/22/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. 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 5/22/2026   A A A A A A A A A A A A
XXX XXXXX 305120693 FPRO8998 5/22/2026 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 5/22/2026   A A A A A A A A A A A A
XXX XXXXX 305095162 FCRE8999 5/22/2026 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 5/22/2026   A A A A A A A A A A A A
XXX XXXXX 305095162 FPRO8998 5/22/2026 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 5/22/2026   A A A A A A A A A A A A
XXX XXXXX 305095162 FCOM8997 5/22/2026 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 5/22/2026   A A A A A A A A A A A A
XXX XXXXX 305088633 finding-3532 6/2/2026 Compliance TRID Initial Closing Disclosure Delivery Date Test Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. There is a COC referencing a redisclosure on XX/XX/XXXX that is missing from the file. 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 XXX" 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. XX/XX/XXXX is initial CD.... ploaded XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.5% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/2/2026   C A C A C A C A C A C A
XXX XXXXX 305088633 finding-3634 6/2/2026 Compliance TRID Tolerance Charges That Cannot Increase Test TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The tolerance violation in the amount of XXX is due to increase of the discount points fee from XXX to XXX without valid COC. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD 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. XX/XX/XXXX AND XX/XX/XXXX CD and COC's XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.5% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/2/2026   C A C A C A C A C A C A
XXX XXXXX 305088633 FPRO8998 5/27/2026 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 58.5% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Resolved 5/27/2026   A A A A A A A A A A A A
XXX XXXXX 305088633 FCRE8999 5/27/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.5% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.5% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Resolved 5/27/2026   A A A A A A A A A A A A
XXX XXXXX 305120709 finding-3634 6/22/2026 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 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 of the appraisal fee from XXX to XXX on the LE dated XX/XX/XXXX without valid COC. Document Uploaded. attached; Document Uploaded. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Cured     C B C B C B C B C B C B
XXX XXXXX 305120709 FPRO8998 5/27/2026 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 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Resolved 5/27/2026   A A A A A A A A A A A A
XXX XXXXX 305120709 FCRE8999 5/27/2026 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 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Resolved 5/27/2026   A A A A A A A A A A A A
XXX XXXXX 305154080 FCRE8999 6/1/2026 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. Resolved 6/1/2026   A A A A A A A A A A A A
XXX XXXXX 305154080 FPRO8998 6/1/2026 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. Resolved 6/1/2026   A A A A A A A A A A A A
XXX XXXXX 305154080 FCOM8997 6/1/2026 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. Resolved 6/1/2026   A A A A A A A A A A A A
XXX XXXXX 305154124 FCOM8997 6/3/2026 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% Resolved 6/3/2026   A A A A A A A A A A A A
XXX XXXXX 305154124 FPRO8998 6/3/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/3/2026   A A A A A A A A A A A A
XXX XXXXX 305154124 FCRE8999 6/3/2026 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% Resolved 6/3/2026   A A A A A A A A A A A A
XXX XXXXX 305154122 FCOM8997 6/3/2026 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 6/3/2026   A A A A A A A A A A A A
XXX XXXXX 305154122 FCRE8999 6/3/2026 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 6/3/2026   A A A A A A A A A A A A
XXX XXXXX 305154122 FPRO8998 6/3/2026 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 6/3/2026   A A A A A A A A A A A A
XXX XXXXX 305154109 FPRO0951 6/5/2026 Property Missing Doc Condo Approval Missing Condo Approval Missing. Condo approval is Missing. Approval not provided for current development. Please be advised: Our loan files include the required documentation for Type A condo reviews, which consist of: Condo Questionnaire (as needed), Evidence of Insurance, Inspection Reports (if applicable). Condo Type A review is limited, and approval documentation is not required. XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.7% is less than Guideline CLTV of 90% | 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 52.7% is less than Guideline LTV 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 6/5/2026   B A B A B A B A B A B A
XXX XXXXX 305154109 FCOM8997 6/3/2026 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 52.7% is less than Guideline CLTV of 90% | 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 52.7% is less than Guideline LTV 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 6/3/2026   A A A A A A A A A A A A
XXX XXXXX 305154109 FPRO8998 6/3/2026 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 52.7% is less than Guideline CLTV of 90% | 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 52.7% is less than Guideline LTV 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 6/3/2026   A A A A A A A A A A A A
XXX XXXXX 305154097 finding-3634 6/8/2026 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 PCCD, LOE, Copy of refund Check and Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the XXX 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 XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Please see the attached initial LE. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.42% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.42% is less than Guideline LTV of 80% Resolved 6/8/2026   C A C A C A C A C A C A
XXX XXXXX 305154097 finding-3635 6/8/2026 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 XXX 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 XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Please see the attached initial LE. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.42% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.42% is less than Guideline LTV of 80% Resolved 6/8/2026   C A C A C A C A C A C A
XXX XXXXX 305154097 finding-3515 6/8/2026 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. The initial LE dated XX/XX/XXXX(per Evidentiary Document) is missing for the loan file. The earlies 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 XXX XX/XX/XXXX. Document Uploaded. Please see the attached initial LE. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.42% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.42% is less than Guideline LTV of 80% Resolved 6/8/2026   C A C A C A C A C A C A
XXX XXXXX 305154097 FPRO8998 6/4/2026 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 68.42% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.42% is less than Guideline LTV of 80% Resolved 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305154097 FCRE8999 6/4/2026 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 68.42% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.42% is less than Guideline LTV of 80% Resolved 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305154047 FCRE9995 6/8/2026 Credit Assets Audited Reserves are less than Guideline Required Reserves (Dollar Amount) Audited Reserves of $ are less than Guideline Required Reserves of $XXX. XXX reserves must be verified with asset Statements covering the most recent XXX days. No assets are listed on the Final 1003. XXX reserves must be verified with asset Statements covering the most recent XXX days. No assets are listed on the Final 1003. Please see the attached final ALTA for proof of proceeds from the sale of 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% | 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% is less than Guideline LTV of 90% Resolved 6/8/2026   C A C A C A C A C A C A
XXX XXXXX 305154047 FCRE1198 6/8/2026 Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) XXX reserves must be verified with asset Statements covering the most recent XXX days. No assets are listed on the Final 1003. XXX reserves must be verified with asset Statements covering the most recent XXX days. No assets are listed on the Final 1003. Please see the attached final ALTA for proof of proceeds from the sale of 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% | 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% is less than Guideline LTV of 90% Resolved 6/8/2026   C A C A C A C A C A C A
XXX XXXXX 305154047 FCRE3843 6/8/2026 Credit Eligibility Guideline Seasoning not Met The required number of months reserves are to be seasoned does not meet Guideline requirement. Funds required for closing = XXX + $XXX earnest money deposit + XXX reserves must be verified with asset Statements covering the most recent XXX days. No assets are listed on the Final 1003. A cashier's check was provided at closing. Additional conditions may apply. Funds required for closing = XXX + $XXX earnest money deposit + XXX reserves must be verified with asset Statements covering the most recent XXX days. No assets are listed on the Final 1003. A cashier's check was provided at closing. Additional conditions may apply. Please see the attached final ALTA for proof of proceeds from the sale of 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% | 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% is less than Guideline LTV of 90% Resolved 6/8/2026   D A D A D A D A D A D A
XXX XXXXX 305154047 FCRE1467 6/8/2026 Credit Missing Doc Asset 1 Missing Asset 1 Missing. Documentation to support the funds to close in the amount of XXX was not provided. A check in this amount was provided - to show funds to close. Need asset Statements to confirm. Document Uploaded. Please see the attached final ALTA for proof of proceeds from the sale of 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% | 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% is less than Guideline LTV of 90% Resolved 6/8/2026   D A D A D A D A D A D A
XXX XXXXX 305154047 FCOM8997 6/4/2026 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 75% 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% is less than Guideline LTV of 90% Resolved 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305154047 FPRO8998 6/4/2026 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% | 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% is less than Guideline LTV of 90% Resolved 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305154030 FCRE8999 6/4/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305154030 FPRO8998 6/4/2026 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 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305154030 FCOM8997 6/4/2026 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 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305154029 FPRO8998 6/4/2026 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 68.42% 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.42% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305154029 FCOM8997 6/4/2026 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 68.42% 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.42% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305154029 FCRE8999 6/4/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.42% 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.42% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305120624 FCRE7495 6/11/2026 Credit Missing Doc Verification of Borrower Liabilities Missing or Incomplete B2 Final 1003 showing XXX account #XXX with balance of $XXX and monthly payment of XXX however, this is not found on the credit report or a credit Statement in the file to support. Please provide supporting documentation. Document Uploaded. XXX account in page XXX of loan package XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305120624 FCRE0377 6/8/2026 Credit Data The Total Hazard Coverage is LESS than the Required Coverage Amount The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). HOI policy must cover all liens against the property per lender guidelines and must provide coverage on a replacement cost basis. Insufficient coverage per policy in the file. Florda does not provide RCE XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 6/8/2026   C A C A C A C A C A C A
XXX XXXXX 305120624 FCOM8997 6/4/2026 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 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305120624 FPRO8998 6/4/2026 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 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305134143 FCRE7497 6/16/2026 Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Please provide the additional expense documentation of XXX on the property at XXX to support full amount of XXX for that property. Tax amount was $XXX. 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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% Resolved 6/16/2026   D A D A D A D A D A D A
XXX XXXXX 305134143 FPRO8998 6/8/2026 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 75% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% Resolved 6/8/2026   A A A A A A A A A A A A
XXX XXXXX 305134143 FCOM8997 6/8/2026 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 75% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% Resolved 6/8/2026   A A A A A A A A A A A A
XXX XXXXX 305133904 finding-3352 6/17/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Appraisal requirements not met, missing appraisal delivery receipt XXX days prior to closing. Unable to downgrade. uploaded to previous condition XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/17/2026   C A C A C A C A C A C A
XXX XXXXX 305133904 FCOM3531 6/17/2026 Compliance TRID Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) Evidence of Appraisal Delivery to the Borrower Not Provided. Appraisal requirements not met, missing appraisal delivery receipt XXX days prior to closing. Unable to downgrade. uploaded to previous condition XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/17/2026   C A C A C A C A C A C A
XXX XXXXX 305133904 FCOM3849 6/17/2026 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 located on page XXX in loan file does not indicate what type of report was issued. Document Uploaded. please see processor cert to validate this email is for the appraisal -- the subject line is only describing the action, but the attachment indicates report. That report was the appraisal. Also, transfer appraisal received on XX/XX/XXXX, our email matches that date. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/17/2026   B A B A B A B A B A B A
XXX XXXXX 305133904 FCRE1194 6/16/2026 Credit Eligibility Audited LTV Exceeds Guideline LTV Audited LTV of 90% exceeds Guideline LTV of 85% The subject purchase transaction was approved with a LTV of 90%. Per the Lender Matrix dated XX/XX/XXXX the maximum LTV is 85% for a XXX with a credit score of XXX Document Uploaded. exception attached.; Document Uploaded. exception attached 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% Acknowledged   Yes C B C B C B C B C B C B
XXX XXXXX 305133904 FCRE1196 6/16/2026 Credit Eligibility Audited HCLTV Exceeds Guideline HCLTV Audited HLTV of 90% exceeds Guideline HCLTV of 85% The subject purchase transaction was approved with a HCLTV of 90%. Per the Lender Matrix dated XX/XX/XXXX the maximum HCLTV is 85% for a XXX with a credit score of XXX Document Uploaded. exception attached.; Document Uploaded. exception attached 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% Acknowledged   Yes C B C B C B C B C B C B
XXX XXXXX 305133904 FCRE1195 6/16/2026 Credit Eligibility Audited CLTV Exceeds Guideline CLTV Audited CLTV of 90% exceeds Guideline CLTV of 85% The subject purchase transaction was approved with a CLTV of 90%. Per the Lender Matrix dated XX/XX/XXXX the maximum CLTV is 85% for a XXX with a credit score of XXX Document Uploaded. exception attached; Document Uploaded. exception attached 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% Acknowledged   Yes C B C B C B C B C B C B
XXX XXXXX 305133904 FPRO8998 6/8/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan. No property findings.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/8/2026   A A A A A A A A A A A A
XXX XXXXX 305142312 FCRE7497 6/12/2026 Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Missing documentation for HOA dues on REO XXX, or an executed LOE stating there are no HOA dues on the property. Document 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. Resolved 6/12/2026   D A D A D A D A D A D A
XXX XXXXX 305142312 FPRO8998 6/8/2026 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% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/8/2026   A A A A A A A A A A A A
XXX XXXXX 305142312 finding-3352 6/8/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. 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. Resolved 6/8/2026   A A A A A A A A A A A A
XXX XXXXX 305134004 FCOM1220 6/16/2026 Credit Closing The Deed of Trust is Missing The Deed of Trust is Missing. Document Uploaded. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/16/2026   D A D A D A D A D A D A
XXX XXXXX 305134004 finding-2978 6/11/2026 Compliance Points & Fees MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may XXX make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a XXX XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305134004 finding-3352 6/11/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a XXX XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305134004 FPRO8998 6/11/2026 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 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305128336 finding-3634 6/16/2026 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 2nd Appraisal Fee that increased on the final CD issued on XX/XX/XXXX without a valid COC. Document 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. Resolved 6/16/2026   C A C A C A C A C A C A
XXX XXXXX 305128336 finding-3352 6/16/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. 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. Resolved 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305128336 FCRE5116 6/15/2026 Credit Missing Doc Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Document 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. Resolved 6/15/2026   D A D A D A D A D A D A
XXX XXXXX 305128336 FPRO8998 6/11/2026 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. Resolved 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305154128 FCRE4104 6/12/2026 Credit Missing Doc Missing explanation and supporting documentation for large deposit(s) XXX transfer into XXX ***XXX on XXX from saving account ***XXX must be sourced. The depository account section specifically States the lender most investigate indications of borrowed funds. This is implemented with the requirement large deposits must be sourced to confirm they are not borrowed funds. The business assets section does not include the requirement to investigate borrowed funds. They are both required to be verified under B3-XXX-XXX, which also does not include large deposit requirements. 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. Resolved 6/12/2026   D A D A D A D A D A D A
XXX XXXXX 305154128 FCRE1491 6/12/2026 Credit Assets Asset Qualification Does Not Meet Guideline Requirements Asset Qualification Does Not Meet Guideline Requirements. XXX = XXX - XXX) XXX access ltr for XXX% use; XXX) CPA use of business funds impact required; XXX) $XXX transfer XXX from ***XXX into XXX ***XXX must be sourced. The depository account section specifically States the lender most investigate indications of borrowed funds. This is implemented with the requirement large deposits must be sourced to confirm they are not borrowed funds. The business assets section does not include the requirement to investigate borrowed funds. They are both required to be verified under B3-XXX-XXX, which also does not include large deposit requirements. We have provided the account signature card which verifies the borrower as an authorized signer on the account. As an authorized signer, the borrower has full access to the funds in the account. The existence of a second signer does not limit access to XXX% of the funds. The bank views both signers as absolute owners of the total balance.; A CPA letter to confirm business funds impact is not required as we are not using business bank Statement income. The income is verified seperately and both meet all document requirements. 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. Resolved 6/12/2026   C A C A C A C A C A C A
XXX XXXXX 305154128 FCRE1481 6/12/2026 Credit Assets Asset 3 Does Not Meet Guideline Requirements Asset Record XXX Does Not Meet G/L Requirements.   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. Resolved 6/12/2026   C A C A C A C A C A C A
XXX XXXXX 305154128 FCRE0382 6/12/2026 Credit Data Assets do not meet guideline requirements When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The depository account section specifically States the lender most investigate indications of borrowed funds. This is implemented with the requirement large deposits must be sourced to confirm they are not borrowed funds. The business assets section does not include the requirement to investigate borrowed funds. They are both required to be verified under B3-XXX-XXX, which also does not include large deposit requirements. 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. Resolved 6/12/2026   C A C A C A C A C A C A
XXX XXXXX 305154128 FCRE2800 6/12/2026 Credit Assets Verified Liquid Assets Insufficient For Closing Verified Liquid Assets are insufficient for closing in the amount of $-XXX. The depository account section specifically States the lender most investigate indications of borrowed funds. This is implemented with the requirement large deposits must be sourced to confirm they are not borrowed funds. The business assets section does not include the requirement to investigate borrowed funds. They are both required to be verified under B3-XXX-XXX, which also does not include large deposit requirements. 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. Resolved 6/12/2026   C A C A C A C A C A C A
XXX XXXXX 305154128 FCRE9500 6/12/2026 Credit Missing Doc Missing Letter of Explanation (Assets) Access Letter from XXX, XXX% owner of XXX and accountholder of XXX ***XXX, confirming the applicant has XXX% access to the business funds for XXX use. Please see page XXX The Business account application confirms the borrower is a signer on the account and thus has XXX% access to the funds.   Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/12/2026   D A D A D A D A D A D A
XXX XXXXX 305154128 FPRO8998 6/10/2026 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. Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154128 FCOM8997 6/10/2026 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. Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154121 FCRE8999 6/10/2026 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 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154121 FPRO8998 6/10/2026 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 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154121 FCOM8997 6/10/2026 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 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154116 finding-3634 6/12/2026 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 XXX 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 XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Document Uploaded. Please see the attached loan estimate. 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 6/12/2026   C A C A C A C A C A C A
XXX XXXXX 305154116 finding-3635 6/12/2026 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). 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 XXX 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 XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Document Uploaded. Please see the attached loan estimate. 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 6/12/2026   C A C A C A C A C A C A
XXX XXXXX 305154116 finding-3515 6/12/2026 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 (per Evidentiary Document 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 XX/XX/XXXX. Document Uploaded. Please see the attached loan estimate. 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 6/12/2026   C A C A C A C A C A C A
XXX XXXXX 305154116 FPRO8998 6/10/2026 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 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154116 FCRE8999 6/10/2026 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 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154107 finding-3634 6/17/2026 Compliance TRID Tolerance Charges That Cannot Increase Test TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the appraisal review fee added to the CD dated XX/XX/XXXX. UCDP submission first submission showing score of XX/XX/XXXX was completed XX/XX/XXXX. Fee was not disclosed within XXX days. 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, Cure packet as requested. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Cured     C B C B C B C B C B C B
XXX XXXXX 305154107 FCRE8999 6/10/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154107 FPRO8998 6/10/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154100 FCRE1173 6/12/2026 Credit Missing Doc HO6 Master Insurance Policy is Missing Missing HO-6 Master Insurance Policy. Missing HO-6 Master Insurance Policy. Document Uploaded. Please see the attached master policy. 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 6/12/2026   D A D A D A D A D A D A
XXX XXXXX 305154100 FCOM8997 6/10/2026 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 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154100 FPRO8998 6/10/2026 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 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154099 finding-3652 6/15/2026 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.  The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XXX, as the earliest available LE is dated XXX. Please provide the initial LE issued within XXX business days of the XXX of XXX. Additional testing will be completed, once the initial LE is provided. Document Uploaded. PLease see the initial LE attached XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/15/2026   C A C A C A C A C A C A
XXX XXXXX 305154099 finding-3634 6/15/2026 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). TILA 130b Cure required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of refund Check or valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XXX, as the earliest available LE is dated XXX. Please provide the initial LE issued within XXX business days of the XXX of XXX. Additional testing will be completed, once the initial LE is provided. PLease see the initial LE attached XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/15/2026   C A C A C A C A C A C A
XXX XXXXX 305154099 finding-3635 6/15/2026 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 or valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XXX, as the earliest available LE is dated XXX. Please provide the initial LE issued within XXX business days of the XXX of XXX. Additional testing will be completed, once the initial LE is provided. Please see the initial LE attached XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/15/2026   C A C A C A C A C A C A
XXX XXXXX 305154099 finding-3515 6/15/2026 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. The initial Loan Estimate dated XX/XX/XXXX(per Evidentiary Document) is missing from the loan file. The earliest LE in file dated XX/XX/XXXX. The violation can be cured by providing initial LE within XXX days from XXXd XX/XX/XXXX. Please see the initial LE attached XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/15/2026   C A C A C A C A C A C A
XXX XXXXX 305154099 FCRE8999 6/10/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154099 FPRO8998 6/10/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154088 FCOM8997 6/10/2026 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 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154088 FCRE8999 6/10/2026 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 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154088 FPRO8998 6/10/2026 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 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154081 finding-3634 6/12/2026 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 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check or Valid COC. The exception is tied to Missing Initial LE issued within XXX days of Application XX/XX/XXXX. Please provide the initial LE within XXX business days of application. Additional testing will be completed once the initial LE is provided. Document Uploaded. Please see the attached loan estimate. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/12/2026   C A C A C A C A C A C A
XXX XXXXX 305154081 finding-3635 6/12/2026 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). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check or Valid COC. The exception is tied to Missing Initial LE issued within XXX days of Application XX/XX/XXXX. Please provide the initial LE within XXX business days of application. Additional testing will be completed once the initial LE is provided. Document Uploaded. Please see the attached loan estimate. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/12/2026   C A C A C A C A C A C A
XXX XXXXX 305154081 finding-3515 6/12/2026 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. The initial Loan Estimate dated XX/XX/XXXX(per Evidentiary Document) is missing from the loan file. The earliest LE in file was issued on XX/XX/XXXX. The violation can be cured by provided initial LE within XXX days of Application XX/XX/XXXX. Document Uploaded. Please see the attached loan estimate. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/12/2026   C A C A C A C A C A C A
XXX XXXXX 305154081 FCRE8999 6/10/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154081 FPRO8998 6/10/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154071 FCOM8997 6/10/2026 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 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% is less than Guideline LTV of 90% Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154071 FPRO8998 6/10/2026 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% 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% is less than Guideline LTV of 90% Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154071 FCRE8999 6/10/2026 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 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% is less than Guideline LTV of 90% Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154068 FCOM1252 6/12/2026 Compliance Missing Doc TRID: Missing Loan Estimate Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per evidentiary document 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 XX/XX/XXXX. Document Uploaded. Please see attached, LE as requested. XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.94% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.94% is less than Guideline LTV of 90% | 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 6/12/2026   D A D A D A D A D A D A
XXX XXXXX 305154068 FCRE8999 6/10/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.94% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.94% is less than Guideline LTV of 90% | 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 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154068 FPRO8998 6/10/2026 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 68.94% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.94% is less than Guideline LTV of 90% | 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 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154043 FPRO8998 6/10/2026 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 66.35% is less than Guideline LTV of 80% | 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 66.35% is less than Guideline CLTV of 80% Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154043 FCOM8997 6/10/2026 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 66.35% is less than Guideline LTV of 80% | 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 66.35% is less than Guideline CLTV of 80% Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154043 FCRE8999 6/10/2026 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 66.35% is less than Guideline LTV of 80% | 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 66.35% is less than Guideline CLTV of 80% Resolved 6/10/2026   A A A A A A A A A A A A
XXX XXXXX 305154038 finding-3526 6/15/2026 Compliance TRID Revised Loan Estimate Delivery Date Test (prior to consummation) Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date of 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. 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 XXX" 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 XXX, 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. Please see the screen shot attached. The XXX confirms electronic receipt of the XX/XX/XXXX LE 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 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.86% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.86% is less than Guideline LTV of 90% Resolved 6/15/2026   C A C A C A C A C A C A
XXX XXXXX 305154038 FCRE1183 6/15/2026 Credit Missing Doc Approval/Underwriting Summary Partially Provided Approval/Underwriting Summary Partially Provided. The XXX in file is showing XXX monthly XXX as negative income instead of as a liability. A corrected XXX is needed. Unable to Resolve-Seller acknowledges exception, no change in grading 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 56.86% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.86% is less than Guideline LTV of 90% Acknowledged   No B B B B B B B B B B B B
XXX XXXXX 305154038 FPRO8998 6/11/2026 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 56.86% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.86% is less than Guideline LTV of 90% Resolved 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305154022 FCOM8997 6/11/2026 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 56.5% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.5% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305154022 FCRE8999 6/11/2026 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 56.5% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.5% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305154022 FPRO8998 6/11/2026 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 56.5% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.5% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305128367 FCRE1316 6/15/2026 Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing. Document Uploaded. 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 6/15/2026   D A D A D A D A D A D A
XXX XXXXX 305128367 FCOM8997 6/11/2026 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 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305128367 FPRO8998 6/11/2026 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 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305134152 FCRE7497 6/15/2026 Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Missing documentation for HOA dues on REO: XXX, or an executed LOE stating there are no HOA dues on the property. Document Uploaded. 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 6/15/2026   D A D A D A D A D A D A
XXX XXXXX 305134152 FPRO8998 6/11/2026 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 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 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305134152 FCOM8997 6/11/2026 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 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305142264 FCRE2901 6/18/2026 Credit Missing Doc Borrower 2 Non-US Citizen Identification Document Missing Non XXX Borrower 2 is missing Identification Document. Final 1003 reflects B2 is a Non-XXX. Please provide documentation required per lender guidelines. Document Uploaded. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | 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 6/18/2026   D A D A D A D A D A D A
XXX XXXXX 305142264 FCRE7497 6/16/2026 Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Missing documentation for HOA dues or an executed LOE stating there are no HOA dues on the REO’s listed on the Final 1003: XXX XXX. XXX XXX. both have property deatails page that shows they are both SFRs. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | 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 6/16/2026   D A D A D A D A D A D A
XXX XXXXX 305142264 FCOM8997 6/12/2026 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 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | 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 6/12/2026   A A A A A A A A A A A A
XXX XXXXX 305142264 FPRO8998 6/12/2026 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 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | 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 6/12/2026   A A A A A A A A A A A A
XXX XXXXX 305133959 finding-3634 6/17/2026 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 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, 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 Discount Points increasing on CD XX/XX/XXXX without a COC. Document Uploaded. COC attached 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 6/17/2026   C A C A C A C A C A C A
XXX XXXXX 305133959 finding-3352 6/17/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305133959 finding-2623 6/17/2026 Compliance Points & Fees MD COMAR Higher-Priced Mortgage Loan Test This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX XXX(XXX), XXX XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305133959 FCRE8999 6/11/2026 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 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305133959 FPRO8998 6/11/2026 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 6/11/2026   A A A A A A A A A A A A
XXX XXXXX 305134182 FCRE1440 6/17/2026 Credit Eligibility Housing History Does Not Meet Guideline Requirements Housing History Does Not Meet Guideline Requirements. Per lender guidelines for ITIN borrowers they must have XXX for mortgage history. Borrower had a late payment on XX/XX/XXXX vs credit supplement shows XXX #XXX is due for the XX/XX/XXXX monthly payment so only XXX monthly payments have been made on time since the XXX day late. Document Uploaded. 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 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   Yes C B C B C B C B C B C B
XXX XXXXX 305134182 FPRO8998 6/15/2026 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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305134182 FCOM8997 6/15/2026 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 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305120595 finding-3352 6/15/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305120595 FCRE8999 6/15/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305120595 FPRO8998 6/15/2026 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305155572 FCOM1234 6/19/2026 Credit Missing Doc - Credit The Final 1003 is Not Executed The Final 1003 is Not Executed. The Final 1003 must be signed by the borrower. Document Uploaded. 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 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Resolved 6/19/2026   D A D A D A D A D A D A
XXX XXXXX 305155572 FPRO8998 6/16/2026 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 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Resolved 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305155572 FCOM8997 6/16/2026 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 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Resolved 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305155566 finding-3352 6/22/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. 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 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305155566 FCOM1544 6/22/2026 Compliance Missing Doc TRID: Missing Closing Disclosure TRID: Missing Final Closing Disclosure. The CD signed at consummation only contained page XXX and XXX Its missing the first XXX pages Document 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 6/22/2026   D A D A D A D A D A D A
XXX XXXXX 305155566 FCRE8999 6/16/2026 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 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305155566 FPRO8998 6/16/2026 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 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305155560 FCRE1253 6/23/2026 Credit Eligibility Missing Property Tax Cert Missing Property Tax Cert. XXX reflects a monthly property tax expense for the subject property of, $XXX. The Tax Information Sheet or documented tax rate is not present in the loan file. An explanation and documentation of the property tax calculation is required. Document Uploaded. 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 77.98% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.98% is less than Guideline LTV 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 6/23/2026   C A C A C A C A C A C A
XXX XXXXX 305155560 FCOM8997 6/16/2026 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 77.98% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.98% is less than Guideline LTV 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 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305155560 FPRO8998 6/16/2026 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 77.98% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.98% is less than Guideline LTV 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 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305154131 finding-3652 6/17/2026 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 itemized Lender Credit from XXX to XXX on the final CD. No COC provided. Document Uploaded. Please see attached, Cure packet as requested. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 65.22% is less than Guideline LTV of 80% | 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 65.22% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Cured     C B C B C B C B C B C B
XXX XXXXX 305154131 FCOM1266 6/17/2026 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. Please see attached, Counseling disclosure and confirmation of delivery. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 65.22% is less than Guideline LTV of 80% | 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 65.22% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/17/2026   B A B A B A B A B A B A
XXX XXXXX 305154131 FPRO8998 6/15/2026 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 65.22% is less than Guideline LTV of 80% | 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 65.22% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154131 FCRE8999 6/15/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 65.22% is less than Guideline LTV of 80% | 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 65.22% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154110 finding-3634 6/24/2026 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 XXX 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 XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Document Uploaded. Please see the attached redisclosure package. ; Document Uploaded. Please see the attached LE. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Cured     C B C B C B C B C B C B
XXX XXXXX 305154110 finding-3635 6/17/2026 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 XXX 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 XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Document Uploaded. Please see the attached LE. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/17/2026   C A C A C A C A C A C A
XXX XXXXX 305154110 finding-3515 6/17/2026 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 evidentiary document 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 XX/XX/XXXX. Document Uploaded. Please see the attached LE. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/17/2026   C A C A C A C A C A C A
XXX XXXXX 305154110 FCRE1183 6/17/2026 Credit Missing Doc Approval/Underwriting Summary Partially Provided Approval/Underwriting Summary Partially Provided. Partial Approval/Underwriting Summary for omission of TIA premium into Total Primary Housing Expense for Flood Policy page XXX iao $XXX. Unable to Resolve-seller accepts; no change to grading. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Acknowledged   No B B B B B B B B B B B B
XXX XXXXX 305154110 FPRO8998 6/16/2026 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305154074 FCOM8997 6/15/2026 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154074 FPRO8998 6/15/2026 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 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154074 FCRE8999 6/15/2026 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154073 finding-3634 6/17/2026 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 XXX 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 XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Please see the attached initial LE. XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.96% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.96% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline 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 6/17/2026   C A C A C A C A C A C A
XXX XXXXX 305154073 finding-3635 6/17/2026 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 XXX 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 XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Please see the attached initial LE. XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.96% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.96% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline 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 6/17/2026   C A C A C A C A C A C A
XXX XXXXX 305154073 finding-3515 6/17/2026 Compliance TRID Initial Loan Estimate Delivery Date Test (from application) Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per evidentiary document 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 XX/XX/XXXX. 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. Please see the attached initial LE. XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.96% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.96% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline 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 6/17/2026   C A C A C A C A C A C A
XXX XXXXX 305154073 FPRO8998 6/15/2026 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 57.96% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.96% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154073 FCRE8999 6/15/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.96% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.96% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154057 FCOM3849 6/17/2026 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 see attached confirmation 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% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/17/2026   B A B A B A B A B A B A
XXX XXXXX 305154057 FPRO8998 6/16/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305154057 FCRE8999 6/16/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305154035 FCRE9995 6/23/2026 Credit Assets Audited Reserves are less than Guideline Required Reserves (Dollar Amount) Audited Reserves of $ are less than Guideline Required Reserves of $XXX. The loan file is missing verification of the REO sale. The final settlement Statement provided confirms the seller as XXX as a rep of XXX who is deceased, please review the final CD we initially provided which confirms XXX as the borrowers on XXX. XXX is the sole borrower on this transaction; Document Uploaded. Please see the final CD from the sale attached XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.8% 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 6/23/2026   C A C A C A C A C A C A
XXX XXXXX 305154035 FCRE1198 6/23/2026 Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) The loan file is missing verification of the REO sale. The final settlement Statement provided confirms the seller as XXX as a rep of XXX who is deceased, please review the final CD we initially provided which confirms XXX as the borrowers on XXX. XXX is the sole borrower on this transaction; Document Uploaded. Please see the attached final ALTA for the proceeds from the sale of the non-subject property.; Please see the final CD from the sale attached XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.8% 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 6/23/2026   C A C A C A C A C A C A
XXX XXXXX 305154035 FCRE0382 6/23/2026 Credit Data Assets do not meet guideline requirements When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The loan file is missing verification of the REO sale. The final settlement Statement provided confirms the seller as XXX as a rep of XXX who is deceased, please review the final CD we initially provided which confirms XXX as the borrowers on XXX. XXX is the sole borrower on this transaction; Document Uploaded. Please see the attached final ALTA for the proceeds from the sale of the non-subject property.; Please see the final CD from the sale attached XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.8% 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 6/23/2026   C A C A C A C A C A C A
XXX XXXXX 305154035 FCRE2800 6/23/2026 Credit Assets Verified Liquid Assets Insufficient For Closing Verified Liquid Assets are insufficient for closing in the amount of $-XXX. The loan file is missing verification of the REO sale. The final settlement Statement provided confirms the seller as XXX as a rep of XXX who is deceased, please review the final CD we initially provided which confirms XXX as the borrowers on XXX. XXX is the sole borrower on this transaction; Document Uploaded. Please see the attached final ALTA for the proceeds from the sale of the non-subject property.; Please see the final CD from the sale attached XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.8% 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 6/23/2026   C A C A C A C A C A C A
XXX XXXXX 305154035 FCRE1173 6/17/2026 Credit Missing Doc HO6 Master Insurance Policy is Missing Missing HO-6 Master Insurance Policy. Property is a condo. Master policy is required. If not walls-in; then borrower's HOI policy is required. Document Uploaded. Condo master policy attached XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.8% 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 6/17/2026   D A D A D A D A D A D A
XXX XXXXX 305154035 FPRO8998 6/15/2026 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 67.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.8% 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154035 FCOM8997 6/15/2026 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 67.8% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.8% 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154028 FCOM3849 6/17/2026 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. Unable to Resolve-Seller acknowledges exception, no change in grading 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 90% | 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 70% is less than Guideline CLTV of 90% Acknowledged   No B B B B B B B B B B B B
XXX XXXXX 305154028 FPRO8998 6/15/2026 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 90% | 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 70% is less than Guideline CLTV of 90% Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154028 FCRE8999 6/15/2026 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 90% | 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 70% is less than Guideline CLTV of 90% Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154027 FCOM8997 6/15/2026 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 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154027 FCRE8999 6/15/2026 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 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154027 FPRO8998 6/15/2026 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 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154025 FPRO8998 6/15/2026 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154025 FCOM8997 6/15/2026 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305154025 FCRE8999 6/15/2026 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305134222 FPRO8998 6/15/2026 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305134222 FCRE8999 6/15/2026 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305134222 FCOM8997 6/15/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305142201 FCOM9186 6/29/2026 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. our initial disclosures are wet signed, that is why there is not a econsent form. XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305142201 FCRE8999 6/15/2026 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305142201 FPRO8998 6/15/2026 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305142201 FPRO3678 6/15/2026 Property Property Issue Property Issue(s) are Present One or more issues or defects with the property have been XXX.   XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305142201 finding-2962 6/15/2026 Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may XXX make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305142201 finding-3352 6/15/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 6/15/2026   A A A A A A A A A A A A
XXX XXXXX 305155609 FCRE8999 6/16/2026 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 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305155609 FPRO8998 6/16/2026 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 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305155609 finding-3352 6/16/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 6/16/2026   A A A A A A A A A A A A
XXX XXXXX 305142154 FPRO8998 6/17/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305142154 FCOM8997 6/17/2026 Compliance Data No Compliance Findings Transaction meets BP guidelines. Transaction is a cash out refinance of investment property. Transaction is exempt from TRID/QM. According to the BP letter on page XXX no part of the proceeds of the loan will be used for consumer purpose (no personal use found that was rolled into the loan). 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% Resolved 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305142154 FCRE8999 6/17/2026 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% Resolved 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305133984 FCRE1345 6/19/2026 Credit Missing Doc Borrower 1 Lease Agreements Missing Borrower 1 Lease Agreements Missing. The lease for the investment property on the Final 1003 was not found in the loan file. Please provide the required Lease Agreement to verify monthly rental income. Document 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 6/19/2026   D A D A D A D A D A D A
XXX XXXXX 305133984 FCRE1183 6/19/2026 Credit Missing Doc Approval/Underwriting Summary Partially Provided Approval/Underwriting Summary Partially Provided. The XXX income reflects XXX Audit and 1003 reflects $XXX. Document 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 6/19/2026   B A B A B A B A B A B A
XXX XXXXX 305133984 FCRE1193 6/19/2026 Credit Eligibility Audited DTI Exceeds Guideline DTI Audited DTI of XXX% exceeds Guideline DTI of XXX% The income on the Lender Final 1003 is XXX less income than the income listed on the XXX Audit verified income from Final 1003, most conservative approach. Additionally the XXX reflects XXX more in consumer debt. The DTI increased from XXX% to XXX%. Document 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 6/19/2026   C A C A C A C A C A C A
XXX XXXXX 305133984 FPRO8998 6/17/2026 Property Data No Property Findings 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 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305133984 FCOM8997 6/17/2026 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 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305176959 FCOM8997 6/17/2026 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 34.48% is less than Guideline CLTV of 90% | 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 34.48% 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 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305176959 FCRE8999 6/17/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.48% is less than Guideline CLTV of 90% | 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 34.48% 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 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305176959 FPRO8998 6/17/2026 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 34.48% is less than Guideline CLTV of 90% | 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 34.48% 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 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305176933 FCRE8999 6/17/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.11% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.11% is less than Guideline LTV of 75% Resolved 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305176933 FPRO8998 6/17/2026 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 63.11% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.11% is less than Guideline LTV of 75% Resolved 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305176933 FCOM8997 6/17/2026 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 63.11% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.11% is less than Guideline LTV of 75% Resolved 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305176859 FCOM1221 6/24/2026 Credit Missing Doc The Deed of Trust is Incomplete The Deed of Trust is Incomplete. Missing Page XXX of the 1-4 Family Rider. Received page XXX of XXX Document Uploaded. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/24/2026   D A D A D A D A D A D A
XXX XXXXX 305176859 FCOM8997 6/17/2026 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 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305176859 FPRO8998 6/17/2026 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 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305176820 finding-3352 6/17/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305176820 FPRO8998 6/17/2026 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 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305176820 FCRE8999 6/17/2026 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 6/17/2026   A A A A A A A A A A A A
XXX XXXXX 305157910 FCRE1162 6/22/2026 Credit Missing Doc Flood Certificate Partially Provided Flood Certificate is Partially Provided. Per the provided Flood Certification the flood zone is unmapped. Document Uploaded. XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305157910 FCOM9186 6/22/2026 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% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/22/2026   B A B A B A B A B A B A
XXX XXXXX 305157910 FPRO8998 6/18/2026 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. Resolved 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176952 FCOM8997 6/18/2026 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 47% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176952 FCRE8999 6/18/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 47% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176952 FPRO8998 6/18/2026 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 47% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176905 FCRE1195 6/23/2026 Credit Eligibility Audited CLTV Exceeds Guideline CLTV Audited CLTV of 75% exceeds Guideline CLTV of 70% Appraisal reflects subject property is vacant. For refinance transactions, Guidelines State the max LTV is 70% for vacant properties currently not leased. Document Uploaded. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/23/2026   C A C A C A C A C A C A
XXX XXXXX 305176905 FCRE1196 6/23/2026 Credit Eligibility Audited HCLTV Exceeds Guideline HCLTV Audited HLTV of 75% exceeds Guideline HCLTV of 70% Appraisal reflects subject property is vacant. For refinance transactions, Guidelines State the max LTV is 70% for vacant properties currently not leased. Document Uploaded. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/23/2026   C A C A C A C A C A C A
XXX XXXXX 305176905 FCRE1194 6/23/2026 Credit Eligibility Audited LTV Exceeds Guideline LTV Audited LTV of 75% exceeds Guideline LTV of 70% Appraisal reflects subject property is vacant. For refinance transactions, Guidelines State the max LTV is 70% for vacant properties currently not leased. Document Uploaded. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/23/2026   C A C A C A C A C A C A
XXX XXXXX 305176905 FCOM8997 6/18/2026 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 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176905 FPRO8998 6/18/2026 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 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176862 FCRE8999 6/18/2026 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% Resolved 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176862 FPRO8998 6/18/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176862 FCOM8997 6/18/2026 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% Resolved 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176816 FCOM8997 6/18/2026 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. Resolved 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176816 FCRE8999 6/18/2026 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. Resolved 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176816 FPRO8998 6/18/2026 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. Resolved 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176814 FCOM8997 6/18/2026 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 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176814 FCRE8999 6/18/2026 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 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305176814 FPRO8998 6/18/2026 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 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305156663 finding-3352 6/19/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. 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 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305156663 FPRO8998 6/19/2026 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 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305156663 FCRE8999 6/19/2026 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 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305156626 finding-2962 6/18/2026 Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may XXX make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No cure required. HPML with established escrows and appraisal requirement met. Exception downgraded to an A 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 6/18/2026   C A A A A A A A A A A A
XXX XXXXX 305156626 finding-3352 6/18/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No cure required. HPML with established escrows and appraisal requirement met. Exception downgraded to an A 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 6/18/2026   C A A A A A A A A A A A
XXX XXXXX 305156626 FPRO8998 6/18/2026 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 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305156626 FCRE8999 6/18/2026 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 6/18/2026   A A A A A A A A A A A A
XXX XXXXX 305157810 FCRE5774 6/26/2026 Credit Borrower Borrower 1 Credit Report is Incomplete Borrower 1 Credit Report is Partially Present. Borrower's credit report lists accounts that were included in a XXX Bankruptcy, yet no Bankruptcy filing information is included in the credit report to know if it has been discharged within guidelines, dated XX/XX/XXXX. Please provide credit report with Bankruptcy filing information or discharge XXX. Document Uploaded. ; Document 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. Resolved 6/26/2026   C A C A C A C A C A C A
XXX XXXXX 305157810 FCOM5135 6/25/2026 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. Document 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. Resolved 6/25/2026   B A B A B A B A B A B A
XXX XXXXX 305157810 finding-3352 6/19/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML loan with established escrows and met appraisal requirements. 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. Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305157810 FPRO8998 6/19/2026 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. Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176946 FCOM8997 6/19/2026 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 49.06% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.06% 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 Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176946 FCRE8999 6/19/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 49.06% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.06% 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 Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176946 FPRO8998 6/19/2026 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 49.06% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.06% 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 Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176945 FCOM8997 6/19/2026 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 49.06% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.06% 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 Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176945 FCRE8999 6/19/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 49.06% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.06% 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 Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176945 FPRO8998 6/19/2026 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 49.06% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.06% 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 Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176941 FCRE8999 6/19/2026 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 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176941 FCOM8997 6/19/2026 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 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176941 FPRO8998 6/19/2026 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 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176936 FCOM8997 6/19/2026 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 56.29% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.29% is less than Guideline LTV of 70% Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176936 FCRE8999 6/19/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.29% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.29% is less than Guideline LTV of 70% Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176936 FPRO8998 6/19/2026 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 56.29% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.29% is less than Guideline LTV of 70% Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176910 FCOM8997 6/19/2026 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 67% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67% is less than Guideline CLTV of 85% Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176910 FCRE8999 6/19/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 67% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67% is less than Guideline CLTV of 85% Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176910 FPRO8998 6/19/2026 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 67% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67% is less than Guideline CLTV of 85% Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176871 FCOM8997 6/19/2026 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 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176871 FPRO8998 6/19/2026 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 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176871 FCRE8999 6/19/2026 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 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176864 FCOM8997 6/19/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176864 FCRE8999 6/19/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176864 FPRO8998 6/19/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176829 FCOM8997 6/19/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176829 FCRE8999 6/19/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176829 FPRO8998 6/19/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176819 FCOM8997 6/19/2026 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 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176819 FPRO8998 6/19/2026 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 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176819 FCRE8999 6/19/2026 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 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176904 FCRE5774 6/23/2026 Credit Borrower Borrower 1 Credit Report is Incomplete Borrower 1 Credit Report is Partially Present. Missing complete copy of the B1/B2s credit report that includes the fico scores. Document Uploaded. these are found at the very last page. XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305176904 FCOM8997 6/19/2026 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | 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 85% Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305176904 FPRO8998 6/19/2026 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 85% | 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 85% Resolved 6/19/2026   A A A A A A A A A A A A
XXX XXXXX 305142137 FVAL9739 7/15/2026 Property Appraisal Property/Appraisal General Property/Appraisal guideline violation: Two appraisals are in file. One appraisal reflects the property as Rural SFR vs the other appraisal reflects it's a PUD. Lender to confirm if the subject property is a PUD, and have the incorrect appraisal updated with the correct XXX. Document Uploaded. Revised appraisal attached, It’s still marked rural, but the appraiser addresses on page XXX 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 7/15/2026   C A C A C A C A C A C A
XXX XXXXX 305142137 finding-3634 7/8/2026 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 2nd Appraisal Fee added to the Final CD XX/XX/XXXX without a COC. Document Uploaded. 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 Cured     C B C B C B C B C B C B
XXX XXXXX 305142137 finding-3352 7/8/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305142137 finding-2623 7/8/2026 Compliance Points & Fees MD COMAR Higher-Priced Mortgage Loan Test This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX XXX(XXX), XXX XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305142137 FCRE8999 6/23/2026 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176960 FCRE1479 6/25/2026 Credit Assets Asset 1 Does Not Meet Guideline Requirements Asset Record XXX Does Not Meet G/L Requirements. Missing verification of the source of the XXX earnest money deposit. Deposit cleared borrowers account per wire transfer XX/XX/XXXX. Will need to verify that the earnest money deposit did not impact the balance of the XXX #XXX since it is after the date of the Statement provided. Document Uploaded. emd withdrew from acct#XXX 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 6/25/2026   C A C A C A C A C A C A
XXX XXXXX 305176960 FCOM8997 6/22/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176960 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176955 FCRE8999 6/22/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176955 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176955 FCOM8997 6/22/2026 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 65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176898 FCRE8999 6/22/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176898 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176898 FCOM8997 6/22/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176897 FCRE8999 6/22/2026 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% | 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 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176897 FPRO8998 6/22/2026 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% | 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 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176897 FCOM8997 6/22/2026 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 90% | 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 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176891 FCOM8997 6/22/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176891 FCRE8999 6/22/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176891 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176885 FCRE8999 6/22/2026 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 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176885 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176885 FCOM8997 6/22/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176883 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176883 FCRE8999 6/22/2026 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 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176883 FCOM8997 6/22/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176881 FCOM1221 6/25/2026 Credit Missing Doc The Deed of Trust is Incomplete The Deed of Trust is Incomplete. The Mortgage references an attached Legal Description as, "Exhibit A." The Legal Description as, "Exhibit A," is missing from the loan file. Document Uploaded. XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/25/2026   D A D A D A D A D A D A
XXX XXXXX 305176881 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176881 FCOM8997 6/22/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176880 FCRE8999 6/22/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176880 FCOM8997 6/22/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176880 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176878 FCRE8999 6/22/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176878 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176878 FCOM8997 6/22/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176874 FCRE8999 6/22/2026 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% Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176874 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176874 finding-3352 6/22/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176870 FCOM8997 6/22/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 85% Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176870 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 85% Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176870 FCRE8999 6/22/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 85% Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176868 FCRE9992 6/25/2026 Credit Assets Borrower Contributions Do Not Met Guideline Minimum Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% Guidelines State Gift Funds are acceptable as XXX% down payment for loans <75% CLTV. For loans greater or equal to XXX% the borrower must contribute at least XXX% of the down payment from their own funds. The CLTV is 75%. Document Uploaded. XXX: Clear   Resolved 6/25/2026   C A C A C A C A C A C A
XXX XXXXX 305176868 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176868 FCOM8997 6/22/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176835 FPRO8998 6/22/2026 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 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176835 FCRE8999 6/22/2026 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 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176835 FCOM8997 6/22/2026 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 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176830 FCRE8999 6/22/2026 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 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | 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 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176830 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | 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 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176830 FCOM8997 6/22/2026 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | 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 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176818 FCRE2371 6/25/2026 Credit Missing Doc Missing final HUD-1 from sale of non-subject property Missing signed copy of the final HUD-XXX from the sale of the departing residence. Document Uploaded. XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/25/2026   D A D A D A D A D A D A
XXX XXXXX 305176818 FPRO8998 6/22/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305176818 FCOM8997 6/22/2026 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 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/22/2026   A A A A A A A A A A A A
XXX XXXXX 305120726 FCRE7496 6/24/2026 Credit Missing Doc Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments For the subject property, XXX, the monthly payment of XXX for other insurance, which was disclosed on the Final 1003 and the XXX at origination, does not have verification documents in the loan file. Please provide. Document Uploaded. Corrected XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 54.25% is less than Guideline LTV of 85% | 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 54.25% is less than Guideline CLTV of 85% | 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 6/24/2026   D A D A D A D A D A D A
XXX XXXXX 305120726 finding-3652 6/24/2026 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 of Lender Credit from XXX to XXX decreasing on CD XX/XX/XXXX without a COC. Document Uploaded. COCs XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 54.25% is less than Guideline LTV of 85% | 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 54.25% is less than Guideline CLTV of 85% | 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 6/24/2026   C A C A C A C A C A C A
XXX XXXXX 305120726 finding-3634 6/24/2026 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 130bb 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 increasing on CD XX/XX/XXXX without a COC. Document Uploaded. COCs XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 54.25% is less than Guideline LTV of 85% | 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 54.25% is less than Guideline CLTV of 85% | 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 6/24/2026   C A C A C A C A C A C A
XXX XXXXX 305120726 FPRO8998 6/23/2026 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 Original LTV is Below the Guideline Maximum - Calculated LTV of 54.25% is less than Guideline LTV of 85% | 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 54.25% is less than Guideline CLTV of 85% | 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305133986 finding-2962 6/24/2026 Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may XXX make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305133986 finding-3352 6/24/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305133986 FCRE8999 6/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines. 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305133986 FPRO8998 6/24/2026 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% | Qualifying FICO is Greater than the Guideline 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305128287 FCRE8999 6/23/2026 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.51% is less than Guideline LTV of 85% | 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 48.51% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305128287 FPRO8998 6/23/2026 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 Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.51% is less than Guideline LTV of 85% | 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 48.51% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305128287 FCOM8997 6/23/2026 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.51% is less than Guideline LTV of 85% | 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 48.51% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305157917 FCOM8997 6/23/2026 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% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305157917 FPRO8998 6/23/2026 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% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305157917 FCRE8999 6/23/2026 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. Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305134068 FCOM1233 6/26/2026 Credit Missing Doc The Final 1003 is Incomplete The Final 1003 is Incomplete. Please provide an updated Final 1003 for the Co-Borrower removing the additional income of XXX or provide the additional employer information, including the income documentation to verify the additional income of XXX Document Uploaded. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 61.18% is less than Guideline LTV of 80% | 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 61.18% 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 6/26/2026   D A D A D A D A D A D A
XXX XXXXX 305134068 FCOM8997 6/24/2026 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 61.18% is less than Guideline LTV of 80% | 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 61.18% 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305134068 FPRO8998 6/24/2026 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 61.18% is less than Guideline LTV of 80% | 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 61.18% 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305156641 finding-3352 6/23/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305156641 FCRE8999 6/23/2026 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305156641 FPRO8998 6/23/2026 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305142432 finding-3635 6/29/2026 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 or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee. The COC dated XX/XX/XXXX does not provide a reason why the recording fee changed. (The XXX and purchase price decreased) Document Uploaded. 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
XXX XXXXX 305142432 FCRE5770 6/25/2026 Credit Missing Doc Borrower 1 Credit Report is Missing Borrower 1 Credit Report is Missing. Please provide a credit report for the Borrower. The DTI is subject to recalculation. Document Uploaded. page XXX of loan package XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 6/25/2026   D A D A D A D A D A D A
XXX XXXXX 305142432 FCRE8999 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176965 FCOM8997 6/23/2026 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 70% is less than Guideline CLTV of 90% | 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 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176965 FCRE8999 6/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% | 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 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176965 FPRO8998 6/23/2026 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 70% is less than Guideline CLTV of 90% | 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 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176958 FCRE8999 6/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.44% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.44% 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176958 FPRO8998 6/23/2026 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 62.44% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.44% 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176958 FCOM8997 6/23/2026 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 62.44% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.44% 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176953 FCOM8997 6/23/2026 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 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176953 FCRE8999 6/23/2026 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 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176953 FPRO8998 6/23/2026 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 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176932 FVAL5524 6/25/2026 Property Property Ineligible Property Lender Approved Exception granted to allow XXX square foot property when the minimum square footage per guidelines is XXX rescind 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   Yes C B C B C B C B C B C B
XXX XXXXX 305176932 FCOM8997 6/23/2026 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176932 FCRE8999 6/23/2026 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176922 FCOM8997 6/23/2026 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 65% is less than Guideline LTV of 90% | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 65% 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176922 FCRE8999 6/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 90% | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 65% 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176922 FPRO8998 6/23/2026 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 65% is less than Guideline LTV of 90% | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 65% 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176919 FCOM8997 6/23/2026 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176919 FCRE8999 6/23/2026 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176919 FPRO8998 6/23/2026 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176832 FCRE8999 6/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176832 FPRO8998 6/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176832 FCOM8997 6/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176831 FCOM8997 6/23/2026 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176831 FCRE8999 6/23/2026 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176831 FPRO8998 6/23/2026 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176826 FCOM8997 6/23/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176826 FCRE8999 6/23/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176826 FPRO8998 6/23/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176822 FPRO8998 6/23/2026 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176822 FCRE8999 6/23/2026 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305176822 FCOM8997 6/23/2026 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 6/23/2026   A A A A A A A A A A A A
XXX XXXXX 305134101 finding-3652 6/29/2026 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 decreasing on CD XX/XX/XXXX without a COC. Document Uploaded. 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 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 | 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 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% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Resolved 6/29/2026   C A C A C A C A C A C A
XXX XXXXX 305134101 FCRE2900 6/25/2026 Credit Missing Doc Borrower Non-US Citizen Identification Document Missing Non XXX Borrower is missing Identification Document. The Final 1003 reflect that the Borrower is a Non-XXX. The required Non-XXX documentation was not found in the loan file. Document Uploaded. 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 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 | 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 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% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Resolved 6/25/2026   D A D A D A D A D A D A
XXX XXXXX 305134101 FPRO8998 6/24/2026 Property Data No Property Findings 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 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 | 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 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% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% Resolved 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305134051 FCRE7496 7/14/2026 Credit Missing Doc Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments Missing evidence of HOA or no HOA at XXX Document 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 7/14/2026   D A D A D A D A D A D A
XXX XXXXX 305134051 finding-3352 6/24/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305134051 FPRO8998 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176957 FCOM8997 6/24/2026 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 68.16% is less than Guideline CLTV of 85% | 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 68.16% is less than Guideline LTV of 85% Resolved 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176957 FPRO8998 6/24/2026 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 68.16% is less than Guideline CLTV of 85% | 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 68.16% is less than Guideline LTV of 85% Resolved 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176957 FCRE8999 6/24/2026 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 68.16% is less than Guideline CLTV of 85% | 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 68.16% is less than Guideline LTV of 85% Resolved 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176927 FCOM8997 6/24/2026 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 70% is less than Guideline LTV of 85% | 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 70% is less than Guideline CLTV of 85% | 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176927 FCRE8999 6/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | 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 70% is less than Guideline CLTV of 85% | 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176927 FPRO8998 6/24/2026 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 70% is less than Guideline LTV of 85% | 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 70% is less than Guideline CLTV of 85% | 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176847 FPRO8998 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176847 FCRE8999 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176847 FCOM8997 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176843 FCOM8997 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176843 FCRE8999 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176843 FPRO8998 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176842 FCOM8997 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176842 FCRE8999 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176842 FPRO8998 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176828 FCOM8997 6/24/2026 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 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% Resolved 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176828 FPRO8998 6/24/2026 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 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% Resolved 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176828 FCRE8999 6/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 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% Resolved 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176815 finding-3352 6/24/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176815 FPRO8998 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305176815 FCRE8999 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305156545 finding-3352 6/24/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded XXX: Clear   Resolved 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305156545 FCRE8999 6/24/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines. No credit findings.   XXX: Clear   Resolved 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305156545 FPRO8998 6/24/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan. No property findings.   XXX: Clear   Resolved 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305156700 FCRE7497 7/7/2026 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. Please provide mortgage Statement or other terms for property at XXX. Document Uploaded. ; 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 | Borrower has stable job time - Borrower has XXX years on job. Resolved 7/7/2026   D A D A D A D A D A D A
XXX XXXXX 305156700 FPRO8998 6/24/2026 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305156700 FCOM8997 6/24/2026 Compliance Data No Compliance Findings Transaction meets BP guidelines. Transaction is a purchase of Investment property. TRID review is not required. 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 6/24/2026   A A A A A A A A A A A A
XXX XXXXX 305157890 FCRE9178 6/29/2026 Credit Eligibility Borrower has less than 2 FICO scores and does not meet minimum required to be scored. Borrower has less than XXX FICO scores and does not meet minimum required to be scored. Document Uploaded. XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305157890 FCOM8997 6/25/2026 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 60.7% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.7% 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305157890 FCRE8999 6/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 60.7% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.7% 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305157890 FPRO8998 6/25/2026 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 60.7% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.7% 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305134138 FCRE9992 7/1/2026 Credit Assets Borrower Contributions Do Not Met Guideline Minimum Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The Borrower did not meet the minimum contribution requirement of XXX% of funds for the subject loan. Document 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 7/1/2026   C A C A C A C A C A C A
XXX XXXXX 305134138 finding-3634 6/29/2026 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 or Valid COC. The Zero tolerance violation in the amount of XXX due to increase of the discount points from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. Document 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 6/29/2026   C A C A C A C A C A C A
XXX XXXXX 305134138 FPRO8998 6/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan. No property findings.   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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176966 FCOM8997 6/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176966 FCRE8999 6/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176966 FPRO8998 6/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176951 FCRE8999 6/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 43.94% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.94% is less than Guideline CLTV of 85% | 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176951 FPRO8998 6/25/2026 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 43.94% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.94% is less than Guideline CLTV of 85% | 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176951 FCOM8997 6/25/2026 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 43.94% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.94% is less than Guideline CLTV of 85% | 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176884 FCRE8999 6/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 30.83% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.83% 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176884 FPRO8998 6/25/2026 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 30.83% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.83% 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176884 FCOM8997 6/25/2026 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 30.83% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.83% 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176872 FCRE8999 6/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 40.74% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.74% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176872 FPRO8998 6/25/2026 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 40.74% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.74% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176872 FCOM8997 6/25/2026 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 40.74% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.74% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176865 FCOM8997 6/25/2026 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 69.6% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.6% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176865 FCRE8999 6/25/2026 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 69.6% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.6% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176865 FPRO8998 6/25/2026 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 69.6% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.6% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176860 FCOM8997 6/25/2026 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176860 FCRE8999 6/25/2026 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176860 FPRO8998 6/25/2026 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176857 finding-3352 6/25/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met 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 6/25/2026   C A A A A A A A A A A A
XXX XXXXX 305176857 FPRO8998 6/25/2026 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176857 FCRE8999 6/25/2026 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176841 FCOM8997 6/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176841 FCRE8999 6/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176841 FPRO8998 6/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176837 FCRE8999 6/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176837 FPRO8998 6/25/2026 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 75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176837 FCOM8997 6/25/2026 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 75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176834 FCOM8997 6/25/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176834 FPRO8998 6/25/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176834 FCRE8999 6/25/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305156523 FPRO8998 6/25/2026 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305156523 FCRE8999 6/25/2026 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305156523 FCOM8997 6/25/2026 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 6/25/2026   A A A A A A A A A A A A
XXX XXXXX 305176962 FPRO8998 6/26/2026 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% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46% 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 Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176962 FCRE8999 6/26/2026 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% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46% 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 Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176962 FCOM8997 6/26/2026 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% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46% 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 Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176937 FCOM8997 6/26/2026 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 58.04% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.04% is less than Guideline CLTV of 75% Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176937 FCRE8999 6/26/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 58.04% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.04% is less than Guideline CLTV of 75% Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176937 FPRO8998 6/26/2026 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 58.04% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.04% is less than Guideline CLTV of 75% Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176846 FCOM8997 6/26/2026 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 64.75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.75% is less than Guideline CLTV of 85% Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176846 FCRE8999 6/26/2026 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 64.75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.75% is less than Guideline CLTV of 85% Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176846 FPRO8998 6/26/2026 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 64.75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.75% is less than Guideline CLTV of 85% Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176845 FCOM8997 6/26/2026 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 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176845 FCRE8999 6/26/2026 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 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176845 FPRO8998 6/26/2026 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 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176827 FCRE8999 6/26/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176827 FPRO8998 6/26/2026 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 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176827 FCOM8997 6/26/2026 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 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176825 FCOM8997 6/26/2026 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 63.81% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.81% is less than Guideline LTV of 80% Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176825 FCRE8999 6/26/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.81% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.81% is less than Guideline LTV of 80% Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176825 FPRO8998 6/26/2026 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 63.81% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.81% is less than Guideline LTV of 80% Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176823 FCOM8997 6/26/2026 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 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176823 FPRO8998 6/26/2026 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 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176823 FCRE8999 6/26/2026 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 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176811 FCOM8997 6/26/2026 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 90% | 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 75% is less than Guideline LTV of 90% Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176811 FCRE8999 6/26/2026 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 90% | 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 75% is less than Guideline LTV of 90% Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305176811 FPRO8998 6/26/2026 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% is less than Guideline CLTV of 90% | 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 75% is less than Guideline LTV of 90% Resolved 6/26/2026   A A A A A A A A A A A A
XXX XXXXX 305156557 FCRE8999 6/29/2026 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 6/29/2026   A A A A A A A A A A A A
XXX XXXXX 305156557 FPRO8998 6/29/2026 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 6/29/2026   A A A A A A A A A A A A
XXX XXXXX 305156557 FCOM8997 6/29/2026 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 | Borrower has stable job time - Borrower has XXX years on job. Resolved 6/29/2026   A A A A A A A A A A A A
XXX XXXXX 305142219 FCRE1198 7/8/2026 Credit Eligibility Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Audited reserves of XXX are less than the guideline-required reserves of $XXX. Therefore, additional asset Statements are required to document sufficient reserves. Hi, borrower own XXX REO. We just need XXX months. XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305142219 FCRE9995 7/8/2026 Credit Assets Audited Reserves are less than Guideline Required Reserves (Dollar Amount) Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Audited reserves of XXX are less than the guideline-required reserves of $XXX. Therefore, additional asset Statements are required to document sufficient reserves. Hi, borrower own XXX REO. We just need XXX months. XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305142219 FCRE7495 6/30/2026 Credit Missing Doc Verification of Borrower Liabilities Missing or Incomplete XXX XXX #XXX – The monthly payment reflected on the credit report is XXX while the Final 1003 reflects XXX Therefore, the most recent credit card Statement is required to verify the correct payment amount. XXX XXX #XXX – The monthly payment reflected on the credit report is XXX while the Final 1003 reflects XXX Therefore, the most recent credit card Statement is required to verify the correct payment amount. Document Uploaded. Refresh 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 6/30/2026   D A D A D A D A D A D A
XXX XXXXX 305142219 FPRO8998 6/29/2026 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 6/29/2026   A A A A A A A A A A A A
XXX XXXXX 305142219 FCOM8997 6/29/2026 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 6/29/2026   A A A A A A A A A A A A
XXX XXXXX 305134195 FPRO8998 7/1/2026 Property Data No Property Findings 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 7/1/2026   A A A A A A A A A A A A
XXX XXXXX 305134195 FCRE8999 7/1/2026 Credit Data No Credit Findings No credit findings. The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 7/1/2026   A A A A A A A A A A A A
XXX XXXXX 305134195 FCOM8997 7/1/2026 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 7/1/2026   A A A A A A A A A A A A
XXX XXXXX 305157914 FCRE8999 7/1/2026 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 7/1/2026   A A A A A A A A A A A A
XXX XXXXX 305157914 FCOM8997 7/1/2026 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 7/1/2026   A A A A A A A A A A A A
XXX XXXXX 305157914 FPRO8998 7/1/2026 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 7/1/2026   A A A A A A A A A A A A
XXX XXXXX 305157907 FCRE8999 7/1/2026 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 7/1/2026   A A A A A A A A A A A A
XXX XXXXX 305157907 FPRO8998 7/1/2026 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 7/1/2026   A A A A A A A A A A A A
XXX XXXXX 305157907 FCOM8997 7/1/2026 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 7/1/2026   A A A A A A A A A A A A
XXX XXXXX 305157903 FPRO8998 7/2/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157903 FCOM8997 7/2/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157903 FCRE8999 7/2/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305142327 finding-3652 7/2/2026 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 the CD dated XX/XX/XXXX without valid COC. Document Uploaded. COC 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 7/2/2026   C A C A C A C A C A C A
XXX XXXXX 305142327 FCRE1146 7/2/2026 Credit Missing Doc Title Document is Partially Present Title Document is incomplete or only partially present. The supplements to the Title do not match the Borrowers name on the Note and the Same Name Affidavit does not include the name variation. Document Uploaded. Here is the Final Title Policy 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 7/2/2026   D A D A D A D A D A D A
XXX XXXXX 305142327 FPRO8998 7/1/2026 Property Data No Property Findings 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 7/1/2026   A A A A A A A A A A A A
XXX XXXXX 305157921 FCRE1347 7/13/2026 Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing. Borrower 2 missing VOE within XXX days of closing. Document Uploaded. ; Document Uploaded. 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 7/13/2026   D A D A D A D A D A D A
XXX XXXXX 305157921 FCOM9186 7/8/2026 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 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 7/8/2026   B A B A B A B A B A B A
XXX XXXXX 305157921 FPRO8998 7/2/2026 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 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 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157909 finding-3352 7/2/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157909 FCRE8999 7/2/2026 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 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157909 FPRO8998 7/2/2026 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 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157909 FCOM9186 7/3/2026 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.     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     B B B B B B B B B B B B
XXX XXXXX 305157904 FCOM8997 7/2/2026 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 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157904 FPRO8998 7/2/2026 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 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157904 FCRE8999 7/2/2026 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 7/2/2026   A A A A A A A A A A A A
XXX XXXXX 305172743 finding-3352 7/6/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded 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 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305172743 FCRE8999 7/6/2026 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 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305172743 FPRO8998 7/6/2026 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 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305133991 FPRO8998 7/6/2026 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 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305133991 FCRE8999 7/6/2026 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 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305133991 FCOM8997 7/6/2026 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 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305157882 FCRE8999 7/7/2026 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. Resolved 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305157882 FPRO8998 7/7/2026 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. Resolved 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305157882 FCOM8997 7/7/2026 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. Resolved 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305157817 FCRE8999 7/7/2026 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 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305157817 FPRO8998 7/7/2026 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 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305157817 FCOM8997 7/7/2026 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 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305156384 FCRE8999 7/6/2026 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 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305156384 FPRO8998 7/6/2026 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 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305156384 FCOM8997 7/6/2026 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 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305172711 FCOM1233 7/14/2026 Credit Missing Doc The Final 1003 is Incomplete The Final 1003 is Incomplete. The Final 1003 does not reflect the dates of employment. It's a correction. The signed one is in the file. We just need to provide page XXX Do you need me just to upload page XXX?; Document Uploaded. 1003 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 67.96% is less than Guideline CLTV of 80% | 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 67.96% is less than Guideline LTV of 80% Resolved 7/14/2026   D A D A D A D A D A D A
XXX XXXXX 305172711 FVAL9739 7/14/2026 Property Appraisal Property/Appraisal General Property/Appraisal guideline violation: The subject loan was approved under the XXX month P&L Only program. The loan file includes an Appraisal Transfer Letter. Per the Lender's Matrix Appraisal Transfers are not elible for the XXX month P&L Only program. Document Uploaded. Exception; Hi, are you looking at the Non-QM XXX Matrix? 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 67.96% is less than Guideline CLTV of 80% | 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 67.96% is less than Guideline LTV of 80% Acknowledged   No C B C B C B C B C B C B
XXX XXXXX 305172711 FCOM8997 7/6/2026 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 67.96% is less than Guideline CLTV of 80% | 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 67.96% is less than Guideline LTV of 80% Resolved 7/6/2026   A A A A A A A A A A A A
XXX XXXXX 305156381 FPRO8998 7/7/2026 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 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305156381 FCRE8999 7/7/2026 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 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305156381 FCOM8997 7/7/2026 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 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305156592 finding-3634 7/8/2026 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 of the discount points fee from XXX on LE dated XX/XX/XXXX to XXX on CD dated XX/XX/XXXX without valid COC. Document Uploaded. COC XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 7/8/2026   C A C A C A C A C A C A
XXX XXXXX 305156592 FPRO8998 7/7/2026 Property Data No Property Findings No property findings. Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305156592 FCRE8999 7/7/2026 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% Resolved 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305142155 FCRE8999 7/7/2026 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 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305142155 FPRO8998 7/7/2026 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 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305142155 FCOM8997 7/7/2026 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 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305172735 FCRE1248 7/14/2026 Credit Eligibility Purchase is not considered to be an Arm's Length Transaction Purchase is not considered to be an Arm's Length Transaction. XXX months of rental payments are required when purchasing from a landlord. Only XXX months provided of rental payments of XXX were found in file. Missing evidence that the XX/XX/XXXX and XX/XX/XXXX rent was paid on time. Document Uploaded. Exception 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 C B C B C B C B C B C B
XXX XXXXX 305172735 finding-3634 7/8/2026 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 on the LE dated XX/XX/XXXX to XXX on the revised CD dated XX/XX/XXXX for the discount points without a valid COC. Document Uploaded. The loan actually locked at XXX% XXX discounts. Please see attached 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 7/8/2026   C A C A C A C A C A C A
XXX XXXXX 305172735 finding-3352 7/8/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. 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 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305172735 FPRO8998 7/7/2026 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 7/7/2026   A A A A A A A A A A A A
XXX XXXXX 305133970 FPRO8998 7/8/2026 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 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305133970 FCOM8997 7/8/2026 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 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305133970 FCRE8999 7/8/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305128259 FCRE1440 7/17/2026 Credit Eligibility Housing History Does Not Meet Guideline Requirements Housing History Does Not Meet Guideline Requirements. The guidelines require XXX months housing history. The Verification of Mortgage reflects only XXX months verification, which is insufficient to meet the guideline requirement. Document Uploaded. Exception in file attached---The subject property mortgage did not have an associated note, and based on the VOM in the file, along with confirmation from escrow, there were no monthly payments required on the loan (no mortgage payment history on subject property). This was escalated to Management and reviewed. Management determined we are XXX to proceed as long as we received notarized Statement from the lender (XXX) confirming no promissory note existed and the agreed upon terms were that the borrower would pay the mortgage in full at either time of refinance or when they sell the property. This Statement was collected at time of closing and is attached. XXX: Clear Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | 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   Yes C B C B C B C B C B C B
XXX XXXXX 305128259 FPRO8998 7/8/2026 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 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | 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 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305128259 FCOM8997 7/8/2026 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 65% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | 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 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305156419 FCRE8999 7/8/2026 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 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305156419 FPRO8998 7/8/2026 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 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305156419 FCOM8997 7/8/2026 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 7/8/2026   A A A A A A A A A A A A
XXX XXXXX 305157918 FCRE6100 7/15/2026 Credit Eligibility Audited Interested Party Contribution Exceeds Guideline Program Maximum Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Document Uploaded. 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% Acknowledged   No C B C B C B C B C B C B
XXX XXXXX 305157918 FCOM9186 7/14/2026 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 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 7/14/2026   B A B A B A B A B A B A
XXX XXXXX 305157918 finding-3352 7/10/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a XXX XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305157918 FPRO8998 7/10/2026 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 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 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305172602 FCRE8999 7/10/2026 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 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305172602 FPRO8998 7/10/2026 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 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305172602 FCOM8997 7/10/2026 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% Resolved 7/10/2026   A A A A A A A A A A A A
XXX XXXXX 305102537 finding-3652 7/17/2026 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 CD XX/XX/XXXX without a COC. Document Uploaded. 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 7/17/2026   C A C A C A C A C A C A
XXX XXXXX 305102537 finding-3634 7/17/2026 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 Discount Points on CD XX/XX/XXXX without a COC. Document Uploaded. 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 7/17/2026   C A C A C A C A C A C A
XXX XXXXX 305102537 FPRO8998 7/15/2026 Property Data No Property Findings 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 7/15/2026   A A A A A A A A A A A A
XXX XXXXX 305102537 FCRE8999 7/15/2026 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 7/15/2026   A A A A A A A A A A A A
XXX XXXXX 305157875 finding-2947 5/26/2026 Compliance Points & Fees OK HOEPA Higher-Priced Required Escrow Account Test HPML escrow established, appraisal requirement met This loan failed the XXX HOEPA Higher-Priced Required Escrow Account Test. (XXX §XXX:XXX-XXX-XXX(b)(XXX) his loan is a higher-priced mortgage consummated on or after XXX XXX and either:Fails to collect reserves for the payment of homeowner's insurance and property taxes for properties that are not a condominium or high rise condominium; orFails to collect reserves for the payment of property taxes for condominium or high rise condominium xcept for loans secured by shares in a cooperative and for certain condominium units, a creditor may not extend a loan secured by a first lien on a principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss LEASE NOTE: This test does not account for instances when mortgage insurance reserves must be escrowed based on XXX §XXX:XXX-XXX-XXX(b)(XXX). Please see XXX HOEPA Higher-Priced Mortgage Loan Escrow Account Alert below for full escrow requirements. Document Uploaded. ; Document Uploaded. per closer - I disagree with the finding, as the final XXX(Compliance Review) indicates this is not required. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 5/26/2026   C A C A C A C A C A C A
XXX XXXXX 305157875 finding-2838 5/26/2026 Compliance Points & Fees OK HOEPA Higher-Priced Mortgage Loan Test XXX Higher priced not compliant; The loan did not have an escrow account established This loan failed the XXX HOEPA higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report hile the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may XXX make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Document Uploaded. ; Document Uploaded. per closer - I disagree with the finding, as the final XXX(Compliance Review) indicates this is not required. XXX: Clear Borrower has stable job time - Borrower has XXX years on job. Resolved 5/26/2026   C A C A C A C A C A C A
XXX XXXXX 305157875 FCRE8999 4/2/2026 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 4/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157875 FPRO8998 4/2/2026 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 4/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157854 FCOM8997 6/1/2026 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 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Resolved 6/1/2026   A A A A A A A A A A A A
XXX XXXXX 305157854 FPRO8998 6/1/2026 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% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Resolved 6/1/2026   A A A A A A A A A A A A
XXX XXXXX 305157854 FCRE8999 6/1/2026 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 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Resolved 6/1/2026   A A A A A A A A A A A A
XXX XXXXX 305157850 FCRE8999 6/2/2026 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear   Resolved 6/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157850 FPRO8998 6/2/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear   Resolved 6/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157850 FCOM8997 6/2/2026 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear   Resolved 6/2/2026   A A A A A A A A A A A A
XXX XXXXX 305157863 FCRE8999 6/3/2026 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% Resolved 6/3/2026   A A A A A A A A A A A A
XXX XXXXX 305157863 FPRO8998 6/3/2026 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 6/3/2026   A A A A A A A A A A A A
XXX XXXXX 305157863 FCOM8997 6/3/2026 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% Resolved 6/3/2026   A A A A A A A A A A A A
XXX XXXXX 305157865 FCRE8999 6/4/2026 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 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305157865 FPRO8998 6/4/2026 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 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305157865 FCOM8997 6/4/2026 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 6/4/2026   A A A A A A A A A A A A
XXX XXXXX 305157874 FCRE8999 6/5/2026 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 6/5/2026   A A A A A A A A A A A A
XXX XXXXX 305157874 FPRO8998 6/5/2026 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 6/5/2026   A A A A A A A A A A A A
XXX XXXXX 305157874 finding-3352 6/5/2026 Compliance Points & Fees Higher-Priced Mortgage Loan Test No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 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 6/5/2026   A A A A A A A A A A A A
XXX XXXXX 305157864 FPRO8998 6/5/2026 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 6/5/2026   A A A A A A A A A A A A
XXX XXXXX 305157864 FCRE8999 6/5/2026 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 6/5/2026   A A A A A A A A A A A A
XXX XXXXX 305157864 FCOM8997 6/5/2026 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 6/5/2026   A A A A A A A A A A A A
XXX XXXXX 304695186 FPRO9990 9/1/2026 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 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. Resolved 9/1/2026   C A C A C A C A C A C A
XXX XXXXX 304695186 FPRO8998 5/5/2025 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 60% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. Resolved 5/5/2025   A A A A A A A A A A A A
XXX XXXXX 304695186 FCOM8997 5/5/2025 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 60% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. Resolved 5/5/2025   A A A A A A A A A A A A
XXX XXXXX 304695186 FCRE8999 5/5/2025 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. Resolved 5/5/2025   A A A A A A A A A A A A
XXX XXXXX 304905135 FCOM8997 11/25/2025 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 11/25/2025   A A A A A A A A A A A A
XXX XXXXX 304905135 FCRE8999 11/25/2025 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 11/25/2025   A A A A A A A A A A A A
XXX XXXXX 304905135 FPRO8998 11/25/2025 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 11/25/2025   A A A A A A A A A A A A
XXX XXXXX 304907307 FCOM8997 11/26/2025 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 11/26/2025   A A A A A A A A A A A A
XXX XXXXX 304907307 FPRO8998 11/26/2025 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 11/26/2025   A A A A A A A A A A A A
XXX XXXXX 304907307 FCRE8999 11/26/2025 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 11/26/2025   A A A A A A A A A A A A
XXX XXXXX 304875228 FCOM8997 11/26/2025 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 11/26/2025   A A A A A A A A A A A A
XXX XXXXX 304875228 FCRE8999 11/26/2025 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 11/26/2025   A A A A A A A A A A A A
XXX XXXXX 304875228 FPRO8998 11/26/2025 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 11/26/2025   A A A A A A A A A A A A
XXX XXXXX 304875281 FPRO9990 12/18/2025 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 was used at origination, but no valid secondary valuation product was provided. AVM XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.13% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.13% 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. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 12/18/2025   C A C A C A C A C A C A
XXX XXXXX 304875281 FPRO2924 12/2/2025 Property Value Property Inspection Waiver Used at Origination Property Inspection Waiver or Appraisal Waiver used as origination valuation product. Per DU loan is eligible for Day XXX Certainty, special feature code of XXX (Value Acceptance (Appraisal Waiver) is part of the loan   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.13% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.13% 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. | 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
XXX XXXXX 304875281 FCRE8999 12/2/2025 Credit Data No Credit Findings The loan meets all applicable credit guidelines.   XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.13% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.13% 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. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 12/2/2025   A A A A A A A A A A A A
XXX XXXXX 304875281 FCOM8997 12/2/2025 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 61.13% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.13% 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. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 12/2/2025   A A A A A A A A A A A A
XXX XXXXX 304904407 FPRO8998 12/3/2025 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 12/3/2025   A A A A A A A A A A A A
XXX XXXXX 304904407 FCRE8999 12/3/2025 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 12/3/2025   A A A A A A A A A A A A
XXX XXXXX 304904407 FCOM8997 12/3/2025 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 12/3/2025   A A A A A A A A A A A A
XXX XXXXX 304889705 FCOM8997 12/5/2025 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 12/5/2025   A A A A A A A A A A A A
XXX XXXXX 304889705 FCRE8999 12/5/2025 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 12/5/2025   A A A A A A A A A A A A
XXX XXXXX 304889705 FPRO8998 12/5/2025 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 12/5/2025   A A A A A A A A A A A A
XXX XXXXX 304871439 FCOM8997 12/5/2025 Compliance Data No Compliance Findings The loan is in compliance with all applicable laws and regulations.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 12/5/2025   A A A A A A A A A A A A
XXX XXXXX 304871439 FPRO8998 12/5/2025 Property Data No Property Findings Property and valuations related findings were not identified on the loan.   XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Resolved 12/5/2025   A A A A A A A A A A A A
XXX XXXXX 304893451 FCOM8997 12/9/2025 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 12/9/2025   A A A A A A A A A A A A
XXX XXXXX 304893451 FPRO8998 12/9/2025 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 12/9/2025   A A A A A A A A A A A A
XXX XXXXX 304893451 FCRE8999 12/9/2025 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 12/9/2025   A A A A A A A A A A A A
XXX XXXXX 304873996 FCRE7497 12/12/2025 Credit Missing Doc Missing verification of taxes, insurance, and/or HOA fees for non-subject property Missing supporting documentation to verify monthly payment of XXX for other REO at XXX XXX and XXX for other REO at XXX XXX XXX property has not closed yet, due to close on XX/XX/XXXX - payment on initial CD could update. XXX has closed - final docs 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 12/12/2025   D A D A D A D A D A D A
XXX XXXXX 304873996 FCOM8997 12/12/2025 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 12/12/2025   A A A A A A A A A A A A
XXX XXXXX 304873996 FPRO8998 12/12/2025 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 12/12/2025   A A A A A A A A A A A A
XXX XXXXX 304894541 FCRE9780 12/12/2025 Credit Missing Doc Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit/Disclosure Missing Business Purpose document missing in file Document Uploaded. Subject is a purchase transaction, Business purpose affidavit required for cash out transactions. XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 304894541 FPRO8998 12/8/2025 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 12/8/2025   A A A A A A A A A A A A
XXX XXXXX 304894541 FCOM8997 12/8/2025 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 12/8/2025   A A A A A A A A A A A A
XXX XXXXX 304909808 FPRO9990 1/5/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA UCDP didn't provide an analysis score Document Uploaded. CDA (Collateral Desktop Analysis) 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 47.46% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.46% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.46% is less than Guideline LTV of 75% | 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 47.46% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 1/5/2026   C A C A C A C A C A C A
XXX XXXXX 304909808 FCOM3849 1/5/2026 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)). Missing proof the borrower received a copy of the appraisal prior at least XXX days prior to consummation Please re-review. There were XXX pages uploaded - the 2nd page is the delivery for this file. "Confirmation of Electronic Delivery of Appraisal Report to Borrower" document confirms delivery to the borrower on XX/XX/XXXX. (The additional Processor Cert does have a date error, however nothing on the letter actually confirms the delivery anyway.); Document Uploaded. Appraisal delivery and cert 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 47.46% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.46% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.46% is less than Guideline LTV of 75% | 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 47.46% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 1/5/2026   B A B A B A B A B A B A
XXX XXXXX 304909808 FCRE1201 1/5/2026 Credit Missing Doc Third Party Fraud Report not Provided Missing Third Party Fraud Report Lender fraud report was not provided at the time of review Document Uploaded. fraud rpt 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 47.46% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.46% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.46% is less than Guideline LTV of 75% | 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 47.46% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 1/5/2026   D A D A D A D A D A D A
XXX XXXXX 304909808 FCRE2008 1/5/2026 Credit Insurance Rent Loss Coverage Not Sufficient The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Minimum XXX months is required per guidelines. Document Uploaded. HOI with Rent loss coverage 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 47.46% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.46% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.46% is less than Guideline LTV of 75% | 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 47.46% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 1/5/2026   C A C A C A C A C A C A
XXX XXXXX 304909808 FCOM5135 1/5/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing   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 47.46% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.46% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.46% is less than Guideline LTV of 75% | 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 47.46% is less than Guideline CLTV of 75% | 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
XXX XXXXX 304909808 FPRO9990 1/2/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA UCDP didn't provide an analysis score Document Uploaded. CDA (Collateral Desktop Analysis) 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 47.46% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.46% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.46% is less than Guideline LTV of 75% | 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 47.46% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Resolved 1/2/2026   C A C A C A C A C A C A
XXX XXXXX 304898907 FCRE8999 12/16/2025 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 12/16/2025   A A A A A A A A A A A A
XXX XXXXX 304898907 FPRO8998 12/16/2025 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 12/16/2025   A A A A A A A A A A A A
XXX XXXXX 304898907 FCOM8997 12/16/2025 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 12/16/2025   A A A A A A A A A A A A
XXX XXXXX 304876077 FCRE1178 1/23/2026 Credit Insurance Other Property Insurance Policy Effective Date is after the Disbursement date Other Property Insurance Policy Effective Date of XX/XX/XXXX is after the Disbursement date of XX/XX/XXXX The XXX policy was not effective until XX/XX/XXXX. A policy effective at time of disbursement is required Document Uploaded. Per Lender: Please see guidelines for this program regarding coverage required. This property also has a Foremost policy that is shown on the CD effective XX/XX/XXXX. The Foremost policy has sufficient coverage for replacement which is all that is required per program guidelines and is sufficient to clear this finding. The RCE supports XXX which is less than the Foremost policy. Please clear this finding as guidelines were met. The other policy XXX could not go into effect until a day after the issue date which is XX/XX/XXXX. There were no claims XX/XX/XXXX to XX/XX/XXXX as verified. Again, this coverage is not needed however the risk would not be on XXX for this portion. This would fall on XXX. See below email from the agent. ; Document Uploaded. HOI 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 C B C B C B C B C B C B
XXX XXXXX 304876077 FCRE9785 1/2/2026 Credit Missing Doc Purchase Contract is Incomplete XXX is Purchase but Purchase Contract Doc is Incomplete Borrowers XXX signed the purchase contract but are not listed as buyers on the Text Overflow Addendum. A revised addendum listing them as buyers is required. Document Uploaded. Title, Addendum, 1003 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 1/2/2026   B A B A B A B A B A B A
XXX XXXXX 304876077 FCOM8997 12/26/2025 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 12/26/2025   A A A A A A A A A A A A
XXX XXXXX 304876077 FPRO8998 12/26/2025 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 12/26/2025   A A A A A A A A A A A A
XXX XXXXX 305028429 FPRO8998 1/14/2026 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 1/14/2026   A A A A A A A A A A A A
XXX XXXXX 305028429 FCRE0386 1/7/2026 Credit Missing Doc - Credit Borrower 1 Photo Identification not provided Borrower 1 Photo Identification not provided. Document Uploaded. DL 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 1/7/2026   D A D A D A D A D A D A
XXX XXXXX 305028429 FCRE0387 1/7/2026 Credit Missing Doc - Credit Borrower 2 Photo Identification not provided Borrower 2 Photo Identification not provided. Document Uploaded. DL 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 1/7/2026   D A D A D A D A D A D A
XXX XXXXX 305028429 FCOM3592 1/7/2026 Credit Missing Doc Missing Taxpayer First Act Disclosure Taxpayer First Act Disclosure is missing. Document Uploaded. Taxpayer disclosure act 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 1/7/2026   B A B A B A B A B A B A
XXX XXXXX 305028429 finding-3532 1/6/2026 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 XXX" 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. Documentation required to clear exception. The initial CD is missing from the loan file. The earliest CD in the loan file was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the borrowers XXX business days prior to consummation on XX/XX/XXXX. Additional conditions may apply. Document Uploaded. Initial CD uploaded 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 1/6/2026   C A C A C A C A C A C A
XXX XXXXX 305028429 FCOM3849 1/6/2026 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. Document Uploaded. Appraisal delivery uploaded 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 1/6/2026   B A B A B A B A B A B A
XXX XXXXX 305028429 FCOM9186 1/6/2026 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. Esign consent 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 1/6/2026   B A B A B A B A B A B A
XXX XXXXX 305028429 FCOM5135 12/31/2025 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation the lender has no affiliates.   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% Acknowledged   No B B B B B B B B B B B B
XXX XXXXX 304909455 FPRO8998 1/14/2026 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 1/14/2026   A A A A A A A A A A A A
XXX XXXXX 304909455 FCRE8999 1/14/2026 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 1/14/2026   A A A A A A A A A A A A
XXX XXXXX 304909455 FCOM8997 1/14/2026 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 1/14/2026   A A A A A A A A A A A A
XXX XXXXX 304909455 FCRE1335 1/5/2026 Credit Missing Doc Borrower 1 IRS Transcripts Missing Borrower 1 IRS Transcripts Missing   XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305027320 FCRE1482 1/21/2026 Credit Assets Asset 4 Does Not Meet Guideline Requirements Asset 4 Does Not Meet Guideline Requirements The Credit, Pledge and Security Agreement for XXX dated XX/XX/XXXX, is not signed. Document Uploaded. signed loan docs XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. Resolved 1/21/2026   C A C A C A C A C A C A
XXX XXXXX 305027320 FPRO1242 1/19/2026 Property Missing Doc Appraisal is Missing Appraisal is Missing. Appraisals XXX are missing from package. XXX is greater than XXX so XXX appraisals are required but both are missing. Document Uploaded. appraisal XXX and XXX XXX: Clear Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. Resolved 1/19/2026   D A D A D A D A D A D A
XXX XXXXX 305027320 FCRE1365 1/14/2026 Credit Missing Doc Borrower 2 IRS Transcripts Missing Borrower 2 IRS Transcripts Missing B2 receives wage/commission income, XXX yrs transcripts required for documentation.   XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305029298 FPRO9990 3/12/2026 Property Third Party Valuation Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. There is no UCDP score for the subject. Guidelines require a CDA from XXX that is within XXX% of the appraised value. Document 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 3/12/2026   C A C A C A C A C A C A
XXX XXXXX 305029298 FCRE1347 3/12/2026 Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing Missing 3rd party verification of B2's business, XXX. FHLMC guidelines require verification of business within XXX days of the Note. File contains printouts from social media and business website, but they are not dated. Document Uploaded. VVOE XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 3/12/2026   D A D A D A D A D A D A
XXX XXXXX 305029298 FPRO1136 3/12/2026 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. 1004D XXX: Clear Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Resolved 3/12/2026   C A C A C A C A C A C A
XXX XXXXX 305029298 FCOM3849 3/10/2026 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)). Please review pages XXX & XXX of the file. Borrower acknowledged appraisal receipt. Please clear. XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305029298 FCRE2009 1/16/2026 Credit Missing Doc Rent Loss Insurance Missing Missing rent loss insurance coverage   XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305029298 FCRE2008 1/16/2026 Credit Insurance Rent Loss Coverage Not Sufficient The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections.   XXX: Clear   Rescinded     A A A A A A A A A A A A
XXX XXXXX 305029298 FCOM5135 1/14/2026 Compliance Missing Doc Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing   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
XXX XXXXX 305029298 FCOM8997 1/14/2026 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 1/14/2026   A A A A A A A A A A A A
XXX XXXXX 305095356 XXX-1 4/16/2026 Credit No Findings No Findings The loan meets all applicable guidelines.       Cleared 4/16/2026   A A A A A A A A A A A A
XXX XXXXX 305088849 XXX 4/29/2026 Credit Borrower and Mortgage Eligibility Non-Arms Length Transaction Missing XXX-month mortgage history on existing mortgage securing subject property confirming the sale is not a foreclosure bailout: XXX. XXX: Property profile XXX: Clear   Cleared 5/5/2026   D A D A D A D A D A D A
XXX XXXXX 305088849 XXX 4/29/2026 Credit Assets Asset Documentation Missing or Defective Missing Gift Letter for XXX git of equity from seller XXX: Gift Letter XXX: Clear   Cleared 4/30/2026   D A D A D A D A D A D A
XXX XXXXX 305128480 XXX 6/2/2026 Credit Credit Excessive LTV Ratio 80% LTV > 75% LTV limit for a Cash-out Refinance Transaction on the Core DSCR Program XXX: Exception Waiver XXX: Clear Mortgage paid as agreed, XXX FICO Acknowledged 6/4/2026   C B C B C B C B C B C B