# EDGAR Filing Document

**Accession Number:** 0002094268
**File Stem:** 0001213900-26-045654
**Filing Date:** 2026-4
**Character Count:** 4138583
**Document Hash:** aec2a933660aae14ec5849e260ded9d6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-045654.hdr.sgml**: 20260420

**ACCESSION NUMBER**: 0001213900-26-045654

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 71

**CONFORMED PERIOD OF REPORT**: 20260420

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20260420

**DATE AS OF CHANGE**: 20260420

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Other/Combined

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RCF III Depositor I, LLC
- **CENTRAL INDEX KEY:** 0002094268

**ORGANIZATION NAME:**
- **EIN:** 393736948
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08046
- **FILM NUMBER:** 26875638

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DR
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 212-257-5757

**MAIL ADDRESS:**
- **STREET 1:** 60 COLUMBUS CIR, 19TH FL
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10023
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RCF III Depositor I, LLC
- **CENTRAL INDEX KEY:** 0002094268

**ORGANIZATION NAME:**
- **EIN:** 393736948
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DR
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 212-257-5757

**MAIL ADDRESS:**
- **STREET 1:** 60 COLUMBUS CIR, 19TH FL
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10023
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RCF III Depositor I, LLC
- **CENTRAL INDEX KEY:** 0002094268

**ORGANIZATION NAME:**
- **EIN:** 393736948
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08046

**BUSINESS ADDRESS:**
- **STREET 1:** 251 LITTLE FALLS DR
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 212-257-5757

**MAIL ADDRESS:**
- **STREET 1:** 60 COLUMBUS CIR, 19TH FL
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10023

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period_________________to________________

Date of Report (Date of earliest event reported)_______________________________

Commission File Number of securitizer:________________________________

Central Index Key Number of securitizer:_______________________________

Name and telephone number, including area code, of the person to

contact in connection with this filing.

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐

☒ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0002094268

&nbsp;&nbsp;**Deephaven Residential Mortgage Trust 2026-CES1**

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

Frank Shiau

646-452-0493

Name and telephone number, including area code, of the person to

contact in connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

**Item 1.01 Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1** 

N/A

**PART II: FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

**Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer**

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

**Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter**

N/A

**EXHIBIT INDEX**

99.1 [AMC Diligence, LLC ("AMC") Executive Summary](ea028681201_ex99-1.htm)

99.2 [AMC Exception Grades](ea028681201_ex99-2.htm)

99.3 [AMC Rating Agency Grades](ea028681201_ex99-3.htm)

99.4 [AMC Valuation Report](ea028681201_ex99-4.htm)

99.5 [AMC Data Compare Summary](ea028681201_ex99-5.htm)

99.6 [AMC Business Purpose Report](ea028681201_ex99-6.htm)

99.7 [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](ea028681201_ex99-7.htm)

99.8 [Canopy ATR QM Report](ea028681201_ex99-8.htm)

99.9 [Canopy Rating Agency Grades Summary](ea028681201_ex99-9.htm)

99.10 [Canopy Rating Agency Grades Detail](ea028681201_ex99-10.htm)

99.11 [Canopy Data Compare](ea028681201_ex99-11.htm)

99.12 [Canopy Business Purpose Supplemental Extract](ea028681201_ex99-12.htm)

99.13 [Canopy Valuation Report](ea028681201_ex99-13.htm)

99.14 [Selene Diligence LLC ("Selene") Narrative Report](ea028681201_ex99-14.htm)

99.15 [Selene Rating Agency Grades Summary](ea028681201_ex99-15.htm)

99.16 [Selene Standard Findings Report](ea028681201_ex99-16.htm)

99.17 [Selene Data Compare](ea028681201_ex99-17.htm)

99.18 [Selene Valuation Report](ea028681201_ex99-18.htm)

99.19 [Selene Business Purpose Supplement](ea028681201_ex99-19.htm)

99.20 [Mission Global, LLC ("Mission") Diligence Executive Summary](ea028681201_ex99-20.htm)

99.21 [Mission Rating Agency Grades Detail](ea028681201_ex99-21.htm)

99.22 [Mission Rating Agency Grades Summary](ea028681201_ex99-22.htm)

99.23 [Mission Data Compare](ea028681201_ex99-23.htm)

99.24 [Mission Secon Lien HELOC Supplement](ea028681201_ex99-24.htm)

99.25 [Mission Business Purpose Supplement](ea028681201_ex99-25.htm)

99.26 [Mission Valuation Summary](ea028681201_ex99-26.htm)

99.27 [Clayton Services LLC ("Clayton") Summary and Narrative](ea028681201_ex99-27.htm)

99.28 [Clayton Conditions Report](ea028681201_ex99-28.htm)

99.29 [Clayton Non ATR QM](ea028681201_ex99-29.htm)

99.30 [Clayton Valuations Summary](ea028681201_ex99-30.htm)

99.31 [Clayton Loan Level Tape Compare](ea028681201_ex99-31.htm)

99.32 [Clayton Rating Agency ATR QM](ea028681201_ex99-32.htm)

99.33 [Consolidated Analytics, Inc. ("Consolidated") Narrative](ea028681201_ex99-33.htm)

99.34 [Consolidated Rating Agency Grades Summary](ea028681201_ex99-34.htm)

99.35 [Consolidated Due Diligence Standard Report](ea028681201_ex99-35.htm)

99.36 [Consolidated Valuations Summary](ea028681201_ex99-36.htm)

99.37 [Consolidated Data Compare](ea028681201_ex99-37.htm)

99.38 [Digital Risk, LLC ("Digital Risk") Executive Summary](ea028681201_ex99-38.htm)

99.39 [Digital Risk Rebuttal Findings Report](ea028681201_ex99-39.htm)

99.40 [Digital Risk Rating Agency Report](ea028681201_ex99-40.htm)

99.41 [Digital Risk DI Report](ea028681201_ex99-41.htm)

99.42 [Digital Risk Valuation Report](ea028681201_ex99-42.htm)

99.43 [Clarifii LLC ("Clarifii") Narrative](ea028681201_ex99-43.htm)

99.44 [Clarifii Business Purpose Supplemental Extract](ea028681201_ex99-44.htm)

99.45 [Clarifii Data Compare](ea028681201_ex99-45.htm)

99.46 [Clarifii RA Grades Detail](ea028681201_ex99-46.htm)

99.47 [Clarifii RA Grades Summary](ea028681201_ex99-47.htm)

99.48 [Clarifii Valuation Report](ea028681201_ex99-48.htm)

99.49 [Clarifii ATR QM Report](ea028681201_ex99-49.htm)

**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: April 20, 2026

---

| | |
|:---|:---|
| RCF III DEPOSITOR I, LLC | RCF III DEPOSITOR I, LLC |
| By: | /s/ Adam Geissler |
| Name: | Adam Geissler |
| Title: | Director |

---

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

**(1) Type of assets that were reviewed.**

AMC Diligence, LLC ("AMC") performed due diligence services as described below utilizing various scopes of review. All of these mortgage loans, which were originated by multiple parties, were purchased by Sutton Funding LLC ("Client") in multiple bulk transactions and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

**(2) Sample size of the assets reviewed.**

The diligence review (the "Review") was conducted on a portion of the securitization mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC did not review all of the mortgage loans in the securitization loan population for a specific scope of review.

Throughout the securitization process, the Client may have removed or added various mortgage loans from the securitization population for reasons that are unknown to AMC. AMC's disclosures herein reflect findings on the securitization population (as known by AMC) as of the date hereof.

**(3) Determination of the sample size and computation.**

AMC's Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. AMC does not know the size of the overall securitization population and other third-party review ("TPR") firms may have reviewed loans within the overall securitization population. As such, AMC cannot state the overall sample size.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Review. The scope of this review and the findings are detailed later in this document.

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

**<u>CREDIT REVIEW (59 Loans)</u>**

AMC reviewed mortgage loan origination documentation to determine conformity with the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application:** For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

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![](ex99-1_001.jpg)

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements in the file and met the minimum required amount of coverage.

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required per guidelines.

**Occupancy Review:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the underwriting guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagors' requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

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**(6) Value of collateral securing the assets: review and methodology.**

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (viii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Since this population is comprised entirely of closed-end 2<sup>nd</sup> liens, a full appraisal is not a guideline requirement for all loans. Instead, guidelines allow an AVM and with sufficient confidence scores, no further valuation products are required. For those loans that do not meet the initial AVM minimum requirements, SitusAMC follows the prescribed product waterfall in the associated lender guidelines and exceptions accordingly if the additional requirements are not met.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process. Secondary valuation products were reviewed when provided but are not an overall requirement of the second lien review scope.

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the client on the next steps which included ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

**<u>COMPLIANCE REVIEW – LIMITED SCOPE (59 Loans)</u>**

Please be advised that SitusAMC will not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review will uncover all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or will uncover all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by SitusAMC are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which SitusAMC is relying in reaching such findings.

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Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in the Review, and the findings set forth in any report prepared by SitusAMC does not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC. Information contained in any SitusAMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged SitusAMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by SitusAMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

SitusAMC will review each residential mortgage loan to determine, as applicable, and to the extent possible and subject to the caveats below, whether the mortgage loan complies with each of the laws, rules and regulations specified below, in each case as the same may be amended, supplemented, replaced or otherwise modified from time to time pursuant to applicable law. With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, the compliance review is limited to the specific components enumerated below with the testing of those components in accordance with the SFA TRID Compliance Review Scope ("TRID Grid"), published by the Structured Finance Association ("SFA"). All other TRID testing, including other components of the TRID Grid, that are not explicitly enumerated below are considered outside of scope for purposes of this review.

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23; §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission
notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) failure to provide the correct form of right of rescission notice;

iv) failure to provide the three (3) specific business day rescission period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) missing or incorrect rescission expiration
date on rescission notice;

vi) "I wish to cancel" section of rescission notice is signed by borrower;

vii) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means, for closed end transactions, the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions, and for open-end transactions, the information that must be provided to satisfy the requirements in <u>§1026.6</u> with regard to the method of determining the finance charge and the balance upon which a finance charge will be imposed, the annual percentage rate, the amount or method of determining the amount of any membership or participation fee that may be imposed as part of the plan, and the payment information described in <u>§1026.40</u>(d)(5)(i) and (ii) that is required under <u>§1026.6</u>(e)(2); and

viii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR)
outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Payment Tables (§1026.18, §1026.38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate disclosure of applicable
payment tables on page 1 of the TIL or CD

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>TILA Section 130(b) Corrections and Other Remediations</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) with respect to applicable exception
remediation measures, confirm the remediation was performed in accordance with regulatory and/or statutory requirements, and, where applicable,
the SFA Compliance Review Scope methodology (in an attempt to establish a best practices approach to pre-securitization due diligence,
as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group
that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation
considerations).

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>High-cost Mortgage (§§1026.31, 32,and 34):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

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iii) prepayment penalty threshold test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36(d)-(e)):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine
if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) if requested by the client, review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Homeownership counseling (§1026.36(k)):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained
proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Mandatory Arbitration Clauses (§1026.36(h)):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage
loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Prohibition on Financing Credit Insurance (§</u> 1026.36(i)):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed,
directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;k) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36(g)):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan
originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage
loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR)
underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages
(12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R.
1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and
203 et seq.); the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and the U.S. Department of Agriculture (7 CFR Part 3555);

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages
made by certain creditors (12 C.F.R. 1026.43(f)); and

&nbsp;&nbsp;&nbsp;&nbsp;e) Prepayment penalty restrictions (12
C.F.R. 1026.43(g)).

SitusAMC will review applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). SitusAMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, SitusAMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, SitusAMC notes if an originator mortgage loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, SitusAMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the mortgage loan contains risky mortgage
loan features and terms (e.g. an interest only feature, negative amortization, or loan term exceeding 30 years),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the "points and fees" exceed
the applicable QM threshold,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) the monthly payment was calculated
appropriately,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) the creditor considered and verified
income or assets at or before consummation,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) the creditor appropriately considered
debt obligations, alimony and child support, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) based on the application date, defined
in accordance with 1026.2(a)(3)(ii), and the loan designation provided on the subject loan:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Temporary QM (Agency/GSE Salable) –** Loans submitted with a loan designation of Temporary SHQM (GSE/Agency Eligible) or Temporary HPQM (GSE/Agency Eligible)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. If loan application date is prior to
7/1/2021 or loan was purchased/securitized on or before 8/31/21, the loan will be evaluated to confirm it is salable to the GSEs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If loan application date is on or after
7/1/2021 or loan was purchased/securitized after 8/31/21 - an exception indicating loan is not eligible to be GSE Temp QM will be cited
based on the GSE requirement for loan applications on or after 7/1/2021 to meet General QM (APOR) pricing based criteria to be salable,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **QM Based on Appendix Q –** Loans
submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. If the loan application date is prior
to 3/1/2021 – determine whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with
Appendix Q to Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If the loan application date is on
or after 3/1/2021, but before 10/1/2022 – determine whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated
in accordance with Appendix Q to Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. **QM Based on APOR (Pricing-Based) –** Loans with an application date on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher
Priced QM (APOR), the QM considerations will be based on whether the APR exceeds the average prime offer rate by 2.25 or more percentage
points (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes
loan amounts), and whether the loan does not meet the creditor's guidelines without a documented exception and compensating factors.

 

*QM loans with application dates on or after 10/1/22 are required to be either Safe Harbor QM (APOR) or Higher Priced QM (APOR)* 

 

***Verification Safe Harbor***

Pursuant to the November 2021 SFA TPR Scope of Review for Verification Safe Harbor under General QM Rule (<u>https://structuredfinance.org/wp-content/uploads/2021/11/SFA-TPR-Scope-of-Review-for-QM-VSH-Scope-of-Review-FINAL.pdf</u>) SitusAMC has adopted the following approach with respect to Verification Safe Harbor:

**VSH Indicator** – For loans originated under the new General QM (APOR) pricing-based threshold, the lender will be required to document the Verification Safe Harbor (VSH) indicator. SitusAMC will capture, but will not verify the VSH indicator. If the lender does not provide a VSH indicator, the VSH for the loan will be identified as "Not Stated".

**VSH Indicator Discrepancy** – Optional add-on service for loans submitted with a VSH Indicator of "Yes" (loan meets VSH). If a loan was submitted indicating VSH is met, client has the option to have SitusAMC review documentation in file and identify variances between documentation in file and guidelines used that could be indicative of an inaccurate VSH indicator. For all options below, the VSH indicator and determination method will be provided by the lender (within loan images, on the data tape, deal notes, or as part of the loan program/guidelines to which loans are originated). SitusAMC's evaluation will be limited to review of the documents against the guidelines used and identified by the lender to meet VSH. Review and verification that guidelines used meet VSH requirements under the regulation (particularly for options 2 and 3 where guidelines used are not one of those explicitly enumerated in the regulation) are outside of SitusAMC's scope. Lender is responsible for affirming guidelines used meet VSH standard requirements:

· <u>Option 1: VSH via reference to guidelines explicitly enumerated in the regulation (June 2020 GSE Guides)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender identifies that loan utilizes
one of the GSE June 2020 guidelines specified in the regulation to meet VSH

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For loans identified by lender to have
VSH status, SitusAMC will determine documentation variances that would cause one to question the VSH attestation from the lender. If variances
are identified, loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e., SitusAMC will report loan as
not having met VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS adherence will not be used to evaluate
the VSH indicator.

· <u>Option 2: VSH via reference to subsequent versions of GSE Guides affirmed to be "substantially similar" to guides explicitly enumerated in the regulation</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender identifies (source and publication
date) and provides a set of GSE guides (other than one of the June 2020 guidelines specified in the regulation) utilized to meet VSH

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender provides affirmation that guides
used meet VSH requirements as revised version complies with verification standards or is substantially similar to the guides enumerated
in the regulation commentary under 1026.43(e)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The determination and affirmation that
the guides used are substantially similar would be the responsibility of the lender and/or aggregator. **SitusAMC will not evaluate or make a determination as to whether the guidelines used by the lender are "substantially similar"** to the explicitly enumerated
underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For loans identified by lender to have
VSH status, SitusAMC will determine documentation variances that would cause one to question the VSH attestation from the lender. If variances
are identified, loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e., SitusAMC will report loan as
not having met VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS adherence will not be used to evaluate
the VSH indicator

· <u>Option 3: VSH via proprietary guides</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender identifies and provides a set
of proprietary (non-GSE guides) underwriting guides utilized to meet VSH

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender provides worksheet/AUS connecting
the loan level review components to enumerated guides

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender provides affirmation that guides
used meet VSH requirements as guides comply with verification standards in the guides enumerated in the regulation commentary under 1026.43(e)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The determination and affirmation that
the guides used are substantially similar would be the responsibility of the lender and/or aggregator. **SitusAMC will not evaluate or make a determination as to whether the guidelines used by the lender are in line with the standards in the enumerated underwriting guidelines.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For loans identified by lender to have
VSH status, SitusAMC will determine documentation variances that would cause one to question the VSH attestation from the lender. If variances
are identified, loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e., SitusAMC will report loan as
not having met VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS adherence will not be used to evaluate
the VSH indicator

The lender must also maintain policies and procedures to meet the requirement under the new General QM (APOR) rule. Review of policies and procedures and comparison of guides utilized to explicitly enumerated guides are outside of SitusAMC's review scope.

**VSH Reporting –** SitusAMC will include the following in securitization reports:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The lender/seller's VSH Indicator;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether SitusAMC evaluated the VSH
indicator provided by the lender/seller;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Which of the above 3 options was employed
to evaluate the VSH indicator;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether SitusAMC identified a variance
to indicator based on due diligence review; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether loan met VSH based on option
selected

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule (effective January 10, 2014), SitusAMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) and (vi)-1 as outlined above. In addition, SitusAMC reviews the Automated Underwriting System output within the mortgage loan file to confirm agency eligibility.

For each conventional QM designated mortgage loan that satisfied the applicable requirements enumerated above, SitusAMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.) and the U.S. Department of Agriculture (7 CFR Part 3555).

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For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, SitusAMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM (for loans that comply with general (ATR) or ATR Fail (for loans that do not meet general ATR requirements). See below for more details on general ability to repay testing.

 

*<u>General Ability to Repay</u>*

For non-QM loans (loans that do not meet QM criteria or submitted by loan originator with a loan designation of non-QM), SitusAMC reviews the mortgage loan to the creditor's guidelines to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will verify such information using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) the consumer's current or reasonably
expected income or assets;

ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status);

iii) the consumer's monthly payment;

iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) the consumer's monthly payment for
mortgage-related obligations;

vi) the consumer's current debt obligations, alimony, and child support;

vii) the consumer's monthly debt-to-income ratio or residual income; and

viii) the consumer's credit history.

This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay. SitusAMC makes no representation or warranty surrounding the sufficiency of the client or creditor's guidelines as it relates to ATR requirements.

SitusAMC reviews mortgage loans to determine their conformity with the ATR/QM factors as outlined above, but does not render an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). SitusAMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all the factors and/or criteria that Authorities may consider in determining whether the creditor adequately demonstrated compliance with the ATR requirements under the rule. SitusAMC's review is based on information contained in the mortgage loan file at the time it is provided to SitusAMC for review, and only reflects information as of that point in time.

**(III) The disclosure requirements and prohibitions of Section 50(a)(6), 50(f)(2), and limited provisions under Section 50(t) Article XVI of the Texas Constitution and associated regulations.**

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time. State usury limitations and state-specific prohibited fees testing are outside of scope.**

**(V) Federal and state specific prepayment penalty provisions.**

**(VI) Federal and state specific late charges in states with assignee liability.** 

The state level late charge testing will be applicable to loans with the subject property in New Jersey, Georgia, New Mexico, and West Virginia.

**(VII) Homeowners Flood Insurance Affordability Act of 2014 (HFIAA)**

Confirm properties within a flood zone have adequate insurance coverage in accordance with HFIAA. (Including considerations of the total outstanding lien balances and any separate escrow impound requirements if the second lien is covered by a separate policy from the primary lien.)

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**(VIII) FIRREA Review**

SitusAMC will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, SitusAMC will review the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, SitusAMC will access the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

As part of the portion of the Review described in this section, SitusAMC will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(IX) Document Review.**

SitusAMC will review each mortgage loan file and verify whether the following documents, if applicable, were included in the file and that the data on applicable documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting summary/loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD/Closing Disclosure from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain other disclosures related to the enumerated
tests set forth herein.

**(8) Other: review and methodology.**

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

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**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed in the Form ABS Due Diligence-15E.

**OVERALL RESULTS SUMMARY**

After giving consideration to the grading criteria of the relevant NRSROs, under the applicable DBRS rating criteria, 64.41% of the pool received an overall "A" grade and 35.59% received an overall "B" grade.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Rating Agency Loan Grades** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades** |
| &nbsp;&nbsp;**Final Loan<br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;42 | &nbsp;&nbsp;55 | &nbsp;&nbsp;56 | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**59** |

---

**EXCEPTION CATEGORY SUMMARY** 

The table below summarizes the individual exceptions which carried an associated "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**DBRS Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***21*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**21** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**25** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 59 mortgage loans reviewed, 59 unique mortgage loans (100.00% by number) had a total of 154 different tape discrepancies across 17 data fields (some mortgage loans may have had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;59 | &nbsp;&nbsp;5.08% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;3 | &nbsp;&nbsp;58 | &nbsp;&nbsp;5.17% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;59 | &nbsp;&nbsp;5.08% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;59 | &nbsp;&nbsp;16.95% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;59 | &nbsp;&nbsp;3.39% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;17 | &nbsp;&nbsp;58 | &nbsp;&nbsp;29.31% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;18 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;18 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;44 | &nbsp;&nbsp;58 | &nbsp;&nbsp;75.86% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;53 | &nbsp;&nbsp;54 | &nbsp;&nbsp;98.15% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;59 | &nbsp;&nbsp;3.39% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;59 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;6 | &nbsp;&nbsp;58 | &nbsp;&nbsp;10.34% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;59 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**154** | &nbsp;&nbsp;**1271** | &nbsp;&nbsp;**12.12%** | &nbsp;&nbsp;**59** |

---

11\| P a g e

![](ex99-1_001.jpg)

**ADDITIONAL SUMMARY** 

*Some % of Loans may not add to 100% due to rounding*

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$23058800.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23058800.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$23058800.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23058800.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;$300000.00 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;58 | &nbsp;&nbsp;98.31% | &nbsp;&nbsp;$22758800.00 | &nbsp;&nbsp;98.70% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23058800.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.08% | &nbsp;&nbsp;$950000.00 | &nbsp;&nbsp;4.12% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;56 | &nbsp;&nbsp;94.92% | &nbsp;&nbsp;$22108800.00 | &nbsp;&nbsp;95.88% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23058800.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;40 | &nbsp;&nbsp;67.80% | &nbsp;&nbsp;$14425450.00 | &nbsp;&nbsp;62.56% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.39% | &nbsp;&nbsp;$472000.00 | &nbsp;&nbsp;2.05% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;14 | &nbsp;&nbsp;23.73% | &nbsp;&nbsp;$6527350.00 | &nbsp;&nbsp;28.31% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.39% | &nbsp;&nbsp;$884000.00 | &nbsp;&nbsp;3.83% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;$750000.00 | &nbsp;&nbsp;3.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23058800.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;50 | &nbsp;&nbsp;84.75% | &nbsp;&nbsp;$19657000.00 | &nbsp;&nbsp;85.25% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;9 | &nbsp;&nbsp;15.25% | &nbsp;&nbsp;$3401800.00 | &nbsp;&nbsp;14.75% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23058800.00** | &nbsp;&nbsp;**100.00%** |

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12\| P a g e

## Exhibit 99.2

**Exhibit 99.2**

---

| |
|:---|
| ![](ex99-2_001.jpg) |
| **Exception Grades** |
| **Run Date - 4/13/2026 2:27:03 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [Redacted] | [Redacted] | [Redacted] | 1 | 34864761 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-26): Client elects to waive. |  |  | 09/26/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 1 | 34864762 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | AVM provided as a primary valuation on a [redacted] lien. Rating is a B for [redacted] per [redacted] Securitization Bulletin. [redacted] expects an origination valuation to be conducted that meets industry standards. If the initial product is not an appraisal but has a supporting valuation the loan will receive a grade of "B". |  |  |  | Reviewer Comment (2025-09-26): Client elects to waive.<br>Reviewer Comment (2025-09-25): AVM provided as a primary valuation on a [redacted] lien. Rating is a B for [redacted] per [redacted] Securitization Bulletin. [redacted] expects an origination valuation to be conducted that meets industry standards. If the initial product is not an appraisal but has a supporting valuation the loan will receive a grade of "B".<br>Buyer Comment (2025-09-25): Yes-- this was a transferred appraisal that was used<br>Reviewer Comment (2025-09-25): The appraisa report date is [redacted] which is prior to the application date [redacted].<br>Buyer Comment (2025-09-24): [redacted] obtained transfer |  |  | 09/26/2025 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 1 | 34864763 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | Reviewer Comment (2025-09-25): Mortgage Insurance Certificate (MIC) not required, exception cleared.<br>Buyer Comment (2025-09-24): Our file is a [redacted] mortgage. The mortgage insurance is for the [redacted]. They use the payment for qualifying purposes on the [redacted]. The [redacted]mortgage will not have a copy of the MI cert. I have attached a copy of the mtg stmt for the [redacted] | 09/25/2025 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 1 | 34864766 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided from prior transaction. Lender/Client differs from note. Appraisal is not acceptable. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-09-25): Cleared. Received documentation.<br>Buyer Comment (2025-09-24): see attached | 09/25/2025 |  |  | 1 | D | A | D | A D |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 2 | 34864769 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-26): Client elects to waive.<br>Reviewer Comment (2025-09-25): If you get approval from the rating agencies to use this scope, we can make it an EV 2. Otherwise, we can just waive this exception as an EV3.<br>Buyer Comment (2025-09-24): please advise what is needed to clear - this is Grade [redacted] |  |  | 09/26/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 2 | 34864771 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Loan amount of $[redacted] exceeds the maximum of loan amount of $[redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-26): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-09-26): Lender exception provided for loan amount greater than $[redacted].<br>Buyer Comment (2025-09-24): see attached |  |  | 09/26/2025 | 2 | C | B C | C | B C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 3 | 34864787 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-29): per deal notes |  |  | 09/29/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 3 | 34864788 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-09-29): AVM provided as a primary valuation on a [redacted] lien. Rating is a B for [redacted] per [redacted] Securitization [redacted]. [redacted] expects an origination valuation to be conducted that meets industry standards. If the initial product is not an appraisal but has a supporting valuation the loan will receive a grade of "B". |  |  | 09/29/2025 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 3 | 34864790 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-01): Rate lock received and associated. Exception Cleared<br>Buyer Comment (2025-09-29): see attached | 10/01/2025 |  |  | 1 | B | A B | B | A B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 4 | 34939510 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-26): Client elects to waive. |  |  | 09/26/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 4 | 34939512 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-10-01): Rate lock received and associated. Exception Cleared<br>Buyer Comment (2025-09-29): see attached | 10/01/2025 |  |  | 1 | B | A B | B | A B |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 4 | 34939514 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation discrepancy due to require verification of business dated within [redacted] days of the note is missing from the file. |  |  |  | Reviewer Comment (2025-10-07): Business Entity Listing document received and verified. Exception cleared<br>Buyer Comment (2025-10-03): see attached<br>Reviewer Comment (2025-10-03): Provided Business Entity document does not provide start date of the business.<br>Buyer Comment (2025-10-01): see attached | 10/07/2025 |  |  | 1 | B | A C | B | A C B |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 4 | 34939516 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Loan Designation discrepancy due to require verification of business dated within [redacted] days of the note is missing from the file. |  |  |  | Reviewer Comment (2025-10-07): Business Entity Listing document received and verified. Exception cleared | 10/07/2025 |  |  | 1 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 4 | 34939517 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-10-07): Business Entity Listing document received and verified. Exception cleared<br>Buyer Comment (2025-10-03): see attached<br>Reviewer Comment (2025-10-03): Provided Business Entity document does not provide start date of the business.<br>Buyer Comment (2025-10-01): see attached | 10/07/2025 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 4 | 34939518 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | Loan Designation discrepancy due to require verification of business dated within [redacted] days of the note is missing from the file. |  |  |  | Reviewer Comment (2025-10-07): Business Entity Listing document received and verified. Exception cleared<br>Buyer Comment (2025-10-03): see attached<br>Reviewer Comment (2025-10-03): Provided Business Entity document does not provide start date of the business.<br>Buyer Comment (2025-10-02): see attached | 10/07/2025 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 4 | 34939519 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan Designation discrepancy due to require verification of business dated within [redacted] days of the note is missing from the file. |  |  |  | Reviewer Comment (2025-10-07): Business Entity Listing document received and verified. Exception cleared<br>Buyer Comment (2025-10-03): see attached<br>Reviewer Comment (2025-10-03): Provided Business Entity document does not provide start date of the business.<br>Buyer Comment (2025-10-01): see attached | 10/07/2025 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 5 | 34939539 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-08): Client elects to waive.<br>Buyer Comment (2025-10-07): Please advise status of open condition. -- Grade [redacted] |  |  | 10/08/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 6 | 34939541 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-30): per deal notes |  |  | 09/30/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 6 | 34939547 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Loan Closed after the anticipated of closing in Closing Disclosure of [redacted]. |  |  |  | Reviewer Comment (2025-10-06): updated disbursement date was provided.<br>Buyer Comment (2025-10-02): loan funded [redacted] | 10/06/2025 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 7 | 34939549 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-02): Client elects to waive with compensating factors. |  |  | 10/02/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 7 | 34939552 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. |  |  |  |  | Reviewer Comment (2025-10-07): Received evidence of the correct disbursement date. Condition cleared.<br>Buyer Comment (2025-10-03): loan funded [redacted] | 10/07/2025 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 8 | 34939553 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-13): Client elects to waive.<br>Buyer Comment (2025-10-10): please advise what is needed to clear |  |  | 10/13/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 8 | 34939556 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | [redacted] FICO is less than [redacted] minimum required for $[redacted] loan amount. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-10-14): Client elected to waive with compensating factors.<br>Buyer Comment (2025-10-10): see attached |  |  | 10/14/2025 | 2 | C | B C | C | B C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 8 | 34939557 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Credit reprot reflects a $[redacted] open collection.. Per guidelines, only collections [redacted] per occurrence are acceptable. |  |  |  | Reviewer Comment (2025-10-14): client elected to waive<br>Buyer Comment (2025-10-10): [redacted] to waive | 10/14/2025 |  |  | 1 | B | A B | B | A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 9 | 34939558 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-10-14): Received final 1003 and associated, exception cleared<br>Buyer Comment (2025-10-10): see attached | 10/14/2025 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 9 | 34939559 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | AVM provided as a primary valuation on a 2nd lien. Rating is a B for [redacted] per[redacted] Securitization Bulletin. [redacted] expects an origination valuation to be conducted that meets industry standards. If the initial product is not an appraisal but has a supporting valuation the loan will receive a grade of "B" |  |  |  | Reviewer Comment (2025-10-13): Client elects to waive.<br>Buyer Comment (2025-10-10): see attached |  |  | 10/13/2025 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 9 | 34939560 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-01): Client elects to waive. |  |  | 10/01/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 9 | 34939563 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. |  |  |  |  | Reviewer Comment (2025-10-20): updated disbursement date was provided<br>Buyer Comment (2025-10-16): [redacted] provided shows dis date [redacted]<br>Reviewer Comment (2025-10-15): Please provide Final Closing Disclosure with disbursement date of [redacted].<br>Buyer Comment (2025-10-11): see attached<br>Reviewer Comment (2025-10-06): The final cd provided reflects disbursement date as[redacted].<br>Buyer Comment (2025-10-02): loan funded [redacted] | 10/20/2025 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 10 | 34939564 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  |  |  |  | Reviewer Comment (2025-10-20): client elected to waive<br>Buyer Comment (2025-10-16): [redacted] elects to waive- Ev2 |  |  | 10/20/2025 | 2 | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 10 | 34939566 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-02): Client elects to waive with compensating factors. |  |  | 10/02/2025 | 3 | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 11 | 34939601 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-02): Client elects to waive |  |  | 10/02/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 11 | 34939602 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-09): Client elects to waive.<br>Buyer Comment (2025-10-08): see attached |  |  | 10/09/2025 | 2 | N/A | N/A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 11 | 34939603 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-02): AVM provided as a primary valuation on a [redacted]lien. Rating is a B for [redacted] per [redacted] Securitization Bulletin. [redacted] expects an origination valuation to be conducted that meets industry standards. If the initial product is not an appraisal but has a supporting valuation the loan will receive a grade of "B" |  |  | 10/02/2025 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 12 | 34939607 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  | Client elects to waive |  |  |  | Reviewer Comment (2025-10-02): Client elects to waive |  |  | 10/02/2025 | 3 | A | A | A | A |  | MA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 12 | 34939610 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-10-10): Client elects to waive.<br>Buyer Comment (2025-10-08): [redacted] to waive- Grade [redacted] |  |  | 10/10/2025 | 2 | B | B | B | B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 13 | 34939611 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-03): AVM provided as a primary valuation on a [redacted] lien. Rating is a B for [redacted] per [redacted] Securitization Bulletin. [redacted] expects an origination valuation to be conducted that meets industry standards. If the initial product is not an appraisal but has a supporting valuation the loan will receive a grade of "B" |  |  | 10/03/2025 | 2 | A | A | A | A B |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 13 | 34939612 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-03): Client elects to waive |  |  | 10/03/2025 | 3 | A | A | A | A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 13 | 34939614 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  |  |  |  |  | Reviewer Comment (2025-10-20): Received final title indicating the correct address. Condition cleared.<br>Buyer Comment (2025-10-16): please see attached FTP city matches | 10/20/2025 |  |  | 1 | C | A C | C | A C |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 14 | 34939634 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-06): Client elects to waive. |  |  | 10/06/2025 | 3 | A | A | A | A |  | CA | Investment | Refinance - Cash-out - Other | D A | Non QM | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 14 | 34939636 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Certificate of Good Standing provided does not contain a date to confirm that the status was verified within [redacted]days of the Note dated [redacted]. |  |  |  | Reviewer Comment (2025-10-21): Cleared. Received dated COG<br>Buyer Comment (2025-10-17): see attached | 10/21/2025 |  |  | 1 | C | A C | C | A C D |  | CA | Investment | Refinance - Cash-out - Other | D A | Non QM | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 15 | 34939645 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Dwelling Coverage of $[redacted]is insufficient by $[redacted]a replacement cost estimate was not provided in the loan file |  |  |  | Reviewer Comment (2025-10-23): Explanation provided for policy exception cleared.<br>Buyer Comment (2025-10-22): see attached | 10/23/2025 |  |  | 1 | C | A C | C | A C |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 15 | 34939648 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-24): Client elects to waive.<br>Buyer Comment (2025-10-23): Please advise status - need file cleared |  |  | 10/24/2025 | 3 | A | A | A | A |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 16 | 34939653 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-15): Client elects to waive. |  |  | 10/15/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 17 | 35155944 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-13): Client elects to waive.<br>Buyer Comment (2025-10-10): Grade [redacted] -[redacted]to waive |  |  | 10/13/2025 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 17 | 35155945 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Per client, meets OFC guidelines but not securitization which investor understands. |  |  |  | Reviewer Comment (2025-10-13): Client elects to waive. Per client, meets [redacted] guidelines but not securitization which investor understands.<br>Buyer Comment (2025-10-10): see attached |  |  | 10/13/2025 | 2 | N/A | N/A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 17 | 35155946 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-13): Client elects to waive.<br>Buyer Comment (2025-10-10): please advise what is needed to clear condition |  |  | 10/13/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 17 | 35155949 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  | Reviewer Comment (2025-10-13): Client elects to waive.<br>Buyer Comment (2025-10-10): Grade [redacted] -[redacted]to waive |  |  | 10/13/2025 | 2 | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 18 | 35155955 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-13): Client elects to waive |  |  | 10/13/2025 | 3 | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 18 | 35155958 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted] on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-11-17): [redacted] received Within [redacted] days of closing, ([redacted]) Letter of Explanation; ([redacted]) refund of amount over the covered loan threshold maximum; and ([redacted]) proof of delivery.<br>Buyer Comment (2025-11-13): see attached<br>Reviewer Comment (2025-11-12): There are some other cure documents included in addition to the PCCD such as an LOE, copy of check and proof of mailing, however, it is not certain the cure will meet the [redacted]-day from closing deadline as [redacted]has not yet posted any details about having the package yet (tracking #[redacted]). Typically, we will consider the final cure date to be when the package leaves the lender's hands such that if [redacted]confirms their possession of the package on [redacted] and the last day to cure is [redacted], we will accept that. However, if lender did not get package to [redacted] until [redacted], that would not meet the [redacted]deadline under the standard cure provision in [redacted].<br> Once we can confirm [redacted]receipt of the package was no later than [redacted], we can proceed with the cure with the docs we have. In the event [redacted]shows they received that package after [redacted], the cure will roll into the [redacted] provision which, while it may be made within [redacted]days of closing, will also require some additional documentation to complete the cure:<br> Under the [redacted], then within [redacted]days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms the failure constitutes a [redacted]error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; <br> (2) procedures or explanation of controls in place to prevent such errors; <br> (3) client written approval accepting use of the bona fide error cure; <br> (4) Letter of Explanation to borrower; <br> (5) refund of amount over the high-cost threshold maximum; and <br> (6) proof of mailing (must be in transit with courier).<br> If we need to use the bona fide, we can accept what we have to satisfy [redacted]. We would just need [redacted] in addition.<br>Buyer Comment (2025-11-10): see attached<br>Reviewer Comment (2025-11-10): The [redacted] threshold is at [redacted]%. Fees exceed this by $[redacted].<br>Buyer Comment (2025-11-06): pls advise where you are coming up with the max allowed.<br>Reviewer Comment (2025-11-06): Fees included in the testing are as follows: Loan discount points $[redacted][redacted], YSP $[redacted], Title - Settlement Fee $[redacted]. Total $[redacted]. Max allowed $[redacted].<br>Buyer Comment (2025-11-04): Pls advise calculations- we are passing Compliancease |  | 11/17/2025 |  | 2 | C | B C | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 18 | 35155959 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Evidence of borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-11-05): RTC received, exception cleared.<br>Buyer Comment (2025-11-04): see attached -<br>Reviewer Comment (2025-10-30): RTC Expiration date is not mentioned in given RTC, exception remains.<br>Buyer Comment (2025-10-29): see attached | 11/05/2025 |  |  | 1 | C | A C | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 19 | 35155960 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-10-29): Final title received. | 10/29/2025 |  |  | 1 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 19 | 35155961 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-10-29): Final title received.<br>Buyer Comment (2025-10-27): see attached<br>Reviewer Comment (2025-10-27): Provided title report does not belong to subject loan, exception remains.<br>Buyer Comment (2025-10-24): see attached | 10/29/2025 |  |  | 1 | B | A B | B | A B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 19 | 35155962 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-13): Client elects to waive. |  |  | 10/13/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 20 | 35155965 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-17): Client elects to waive |  |  | 10/17/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 20 | 35155966 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-17): AVM provided as a primary valuation on a [redacted] lien. Rating is a B for [redacted] per [redacted] Securitization [redacted]. [redacted] expects an origination valuation to be conducted that meets industry standards. If the initial product is not an appraisal but has a supporting valuation the loan will receive a grade of "B". |  |  | 10/17/2025 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 20 | 35155968 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Minimum loan amount of $[redacted]is less than Guideline minimum loan amount of $[redacted]. A Lender Exception approval was granted with compensating factors. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-10-17): Client elected to waive with compensating factors. |  |  | 10/17/2025 | 2 | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 20 | 35155969 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception was provided for minimum loan amount less than $[redacted]K | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-10-17): Client elected to waive with compensating factors. |  |  | 10/17/2025 | 2 | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 21 | 35155972 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-21): Client elects to waive |  |  | 10/21/2025 | 3 | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 22 | 35155974 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-21): Client elects to waive |  |  | 10/21/2025 | 3 | A | A | A | A |  | CA | Investment | Refinance - Cash-out - Other | A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 23 | 35155975 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-23): Client elects to waive. |  |  | 10/23/2025 | 3 | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 24 | 35155978 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-23): Client elects to waive. |  |  | 10/23/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 24 | 35155983 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Date variances due to security instrument not being notarized until [redacted]. |  |  |  | Reviewer Comment (2025-11-05): PCCD received & associated. Exception cleared.<br>Buyer Comment (2025-11-04): see attached<br>Reviewer Comment (2025-10-31): Received Right to Cancel document are already provided. Post Close Closing Disclosure with disbursement date [redacted] is required. Exception remains.<br>Buyer Comment (2025-10-29): see attached | 11/05/2025 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Home Improvement | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 25 | 35155994 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-30): Client elects to waive |  |  | 10/30/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 25 | 35155995 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-30): AVM provided as a primary valuation on a [redacted] lien. Rating is a B for [redacted] per [redacted] Securitization Bulletin. [redacted] expects an origination valuation to be conducted that meets industry standards. If the initial product is not an appraisal but has a supporting valuation the loan will receive a grade of "B" |  |  | 10/30/2025 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 26 | 35155999 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-11-04): client elected to waive |  |  | 11/04/2025 | 3 | A | A | A | A |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 26 | 35156001 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Verified and Correct as per the guideline |  |  |  | Reviewer Comment (2025-11-04): AVM provided as a primary valuation on a [redacted] lien. Rating is a B for [redacted] per [redacted] Securitization Bulletin. [redacted] expects an origination valuation to be conducted that meets industry standards. If the initial product is not an appraisal but has a supporting valuation the loan will receive a grade of "B" |  |  | 11/04/2025 | 2 | A | A | A | A B |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 27 | 35156003 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | AVM provided as a primary valuation on a 2nd lien. Rating is a B for [redacted] per [redacted] Securitization Bulletin. [redacted] expects an origination valuation to be conducted that meets industry standards. If the initial product is not an appraisal but has a supporting valuation the loan will receive a grade of "B". |  |  |  | Reviewer Comment (2025-11-05): Client elects to waive. |  |  | 11/05/2025 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 27 | 35156004 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Per client, meets OFC guidelines but not securitization which investor understands. |  |  |  | Reviewer Comment (2025-11-14): Client elects to waive. Per client, meets [redacted] guidelines but not securitization which investor understands.<br>Buyer Comment (2025-11-12): see attached<br>Buyer Comment (2025-11-12): PCI and AVM was provided<br>Reviewer Comment (2025-11-12): Received duplicate AVM. Condition remains.<br>Buyer Comment (2025-11-10): see attached |  |  | 11/14/2025 | 2 | N/A | N/A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 27 | 35156005 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-11-05): Client elects to waive. |  |  | 11/05/2025 | 3 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 28 | 35499743 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business license for the past [redacted]years if applicable. Business narrative reflects pays license. |  |  |  | Reviewer Comment (2025-11-28): Evidence of business license for [redacted]years was provided.<br>Buyer Comment (2025-11-25): see attached | 11/28/2025 |  |  | 1 | C | A C | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 28 | 35499744 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Business license for the past [redacted]years if applicable. Business narrative reflects pays license. |  |  |  | Reviewer Comment (2025-11-28): Evidence of [redacted] years of professional license was provided.<br>Buyer Comment (2025-11-25): see attached | 11/28/2025 |  |  | 1 | B | A C | B | A C B |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 28 | 35499745 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Business license for the past [redacted]years if applicable. Business narrative reflects pays license. |  |  |  | Reviewer Comment (2025-11-28): Evidence of [redacted]years of professional license was provided.<br>Buyer Comment (2025-11-25): see attached | 11/28/2025 |  |  | 1 | C | A C | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 29 | 35499808 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Transferred appraisal in file. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-19): Client elects to waive |  |  | 11/19/2025 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 29 | 35499813 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | At least [redacted] tradelines reporting for a minimum of ([redacted]) months with activity in the last [redacted]months; or, At least ([redacted]) tradelines reporting for a minimum of ([redacted]) months with activity in the last [redacted]months. Borrower has [redacted]open tradeline open [redacted]months. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-05): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-12-31): see attached<br>Reviewer Comment (2025-12-31): Per guidelines, On a primary residence only, borrowers who do not have the minimum tradelines are acceptable with a current mortgage history on their credit report reporting [redacted]. The history is not on the borrower's credit report therefore cannot be used. Please provide supporting documents. Exception remains.<br>Buyer Comment (2025-12-29): see attached<br>Reviewer Comment (2025-12-10): The document provided was in file at time of review. Per guidelines, On a primary residence only, borrowers who do not have the minimum tradelines are acceptable with a current mortgage history on their credit report reporting [redacted]. The history is not on the borrower's credit report therefore cannot be used.<br>Buyer Comment (2025-12-09): using as tradeline- |  |  | 01/05/2026 | 2 | C | B C | C | B C |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 29 | 35499814 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | A gap credit report or soft-pull is required if the note date is greater than [redacted]days after the date of the credit report relied upon for underwriting. The gap credit report or soft-pull is to be dated within [redacted]days of the note date. When a gap report or soft-pull is required, it becomes part of the Mortgage File and all payments/ balances and DTI are to be updated. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-08): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-12-04): see attached |  |  | 12/08/2025 | 2 | D | B D | D | B D |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 30 | 35499816 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide evidence property is free and clear along with evidence of taxes, insurance and HOA, if applicable. |  |  |  | Reviewer Comment (2025-12-08): Received and associated updated 1003 and Loan Underwriting and Transmittal Summary (1008) / [redacted]. Exception cleared.<br>Buyer Comment (2025-12-04): 1008<br>Buyer Comment (2025-12-03): DOES NOT OWN AT THIS TIME.<br>Reviewer Comment (2025-12-03): Received updated 1003. Please provide updated 1008 and approval. Exception remains.<br>Buyer Comment (2025-12-01): SEE UPDATED 1003<br>Buyer Comment (2025-12-01): Borrower no longer owns property. See uploaded profile. | 12/08/2025 |  |  | 1 | C | A C | C | A C |  | NV | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 30 | 35499817 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-19): Client elects to waive |  |  | 11/19/2025 | 2 | A | A | A | A B |  | NV | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 30 | 35499821 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | Provide the most recent senior lien mortgage statement. |  |  |  | Reviewer Comment (2025-12-11): Per the client AVP, Auditor and Post Closing Coordinator at [redacted], [redacted], she stated she considers the [redacted]that states [redacted]as the mortgage statement even though it does not reflect all information (i.e. if senior lien is escrowed) noting it is not a traditional statement due to it being a [redacted] and requested clearance.<br>Buyer Comment (2025-12-11): This is a [redacted]. [redacted] is accepting the statement in it's entirety. We understand it is not constituted in a form you are familiar with but I have received assurances this is the mortgage statement and there is nothing else available. A mortgage servicing person signed it off. We also provided the note for this mortgage for your review so if you felt there were any shortfalls in information, you could refer to that document to ascertain specifics that were not available to you on the mortgage statement.<br>Reviewer Comment (2025-12-10): Condition was already escalated: Please review the comments from [redacted]: The document states Verification of Deposit and does not list the escrow and other information a mortgage statement has. If client is accepting this as a mortgage statement, then please confirm and we can make notes and clear the condition or client can elect to waive with verified compensation factors to an [redacted]/B. Please confirm / advise.<br>Buyer Comment (2025-12-10): Please escalate this, this condition is the last one and has been pended for some time by [redacted]<br>Buyer Comment (2025-12-10): Mortgage statement<br>Buyer Comment (2025-12-10): 1st lien note<br>Buyer Comment (2025-12-10): He lender is a [redacted] and this is the statement. see attached note as well.<br>Reviewer Comment (2025-12-08): The document provided is not a mortgage statement. The document states Verification of Deposit and does not list the escrow and other information and mortgage statement has. Or if client is accepting this as a mortgage statement, then please confirm and we can make notes and clear the condition or client can elect to waive with verified compensation factors to an EV2/B.<br>Buyer Comment (2025-12-05): See attached again<br>Reviewer Comment (2025-12-04): The credit report does not clear this condition. The guidelines require the senior lien mortgage statement dated within [redacted]days of closing. The mortgage statement provided is for a [redacted]lien.<br>Buyer Comment (2025-12-03): 1st<br>Buyer Comment (2025-12-03): See attached<br>Buyer Comment (2025-12-03): See Digital CU statement - [redacted]LIEN on Sole property.<br>Buyer Comment (2025-12-03): See [redacted]Lien Statement<br>Reviewer Comment (2025-12-01): Provide the most recent senior lien mortgage statement for Creditor: [redacted] account number#[redacted]. Exception remains.<br>Buyer Comment (2025-11-26): Previous HELOC for Primary | 12/11/2025 |  |  | 1 | C | A C | C | A C |  | NV | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 30 | 35499822 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The scored credit report is missing from the loan file with a date of[redacted] per the gap report. |  |  |  | Reviewer Comment (2025-12-12): A credit comparison report is not an origination credit report. Condition has been cleared though. Per the client [redacted], Auditor and Post Closing Coordinator at [redacted], [redacted], she stated she considers the credit comparison report the scored origination credit report and requested clearance.<br>Reviewer Comment (2025-12-10): A credit comparison report is not a credit report. It is a comparison of [redacted] reports that were pulled. The comparison report is comparing credit report [redacted] to the gap report [redacted]. As noted, confirm that [redacted] is accepting the credit comparison report in lieu of the full origination report dated [redacted] and we will make notes and clear the condition. Outside of providing the full report dated [redacted] or comments accepting comparison report, the condition cannot be cleared.<br>Buyer Comment (2025-12-10): Credit AGAIN.<br>Reviewer Comment (2025-12-04): The credit report provided is not scored. Provide the origination credit report that is scored. A comparison report is not origination report.<br>Buyer Comment (2025-12-02): CREDIT REPORT | 12/12/2025 |  |  | 1 | D | A D | D | A D |  | NV | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 31 | 35499832 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized. Appraisal was not provided. Secondary valuation from the subject transaction is missing. |  |  |  | Buyer Comment (2025-12-04): WAIVE<br>Reviewer Comment (2025-12-02): Even though guidelines only require an AVM for the primary valuation on [redacted], for securitization and rating agency purposes, an interior inspection must be provided. Also a secondary valuation for securitization was also not provided and required. A PCI is a property condition report and not a secondary valuation. Client can elect to waive.<br>Buyer Comment (2025-12-01): SEE THE ATTACHED. PER [redacted] GUIDELINES, THESE ARE ALL THAT ARE REQUIRED<br>Buyer Comment (2025-12-01): AVM<br>Buyer Comment (2025-12-01): EXTERIOR PCI |  |  | 12/04/2025 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 31 | 35499833 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2026-01-13): Additional AVM provided<br>Buyer Comment (2026-01-13): see attached<br>Reviewer Comment (2026-01-13): Client requested re-open.<br>Buyer Comment (2025-12-04): WAIVE<br>Reviewer Comment (2025-12-01): A property condition report is not a secondary valuation | 01/13/2026 |  |  | 1 | N/A | A | N/A | A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 31 | 35499835 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-12-15): FTP provided | 12/15/2025 |  |  | 1 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 31 | 35499836 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-12-15): FTP provided<br>Buyer Comment (2025-12-15): ID Card<br>Buyer Comment (2025-12-15): See attached<br>Buyer Comment (2025-12-15): Final title<br>Reviewer Comment (2025-12-05): The FTP provided is not for the subject property<br>Buyer Comment (2025-12-04): See attached<br>Reviewer Comment (2025-12-01): The title policy must reflect insured coverage or a supplement provided with insured coverage covering the loan amount.<br>Buyer Comment (2025-12-01): See the documentation per [redacted] guidelines that are rquired | 12/15/2025 |  |  | 1 | B | A B | B | A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 31 | 35499837 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]Provide updated policy reflecting minimum coverage of $[redacted]OR provide copy of insurer's replacement cost estimate supporting current coverage amount |  |  |  | Reviewer Comment (2026-01-13): Agent used [redacted] provided which supports adequate coverage. Additional [redacted] provided is not from agent.<br>Buyer Comment (2026-01-13): see attached- received RCE and [redacted]pg from agent.<br>Buyer Comment (2025-12-23): RCE shows $[redacted]Attached<br>Reviewer Comment (2025-12-17): Updated HOI provided adding additional coverage however it is still short. The Assembly Bill No [redacted]does not clear this. The agent must provide the RCE for the property to support adequate coverage.<br>Buyer Comment (2025-12-17): SEE [redacted] Insurance Laws<br>Buyer Comment (2025-12-17): [redacted] Insurance Statutes and HOI<br>Reviewer Comment (2025-12-16): The guidelines provided only have [redacted]pages that cover the HELOC and CES. Section [redacted], page [redacted], Property Hazard Insurance Coverage, states [redacted]% of the replacement cost of the improvements as of the current property insurance effective date, or the unpaid principal balance of all liens, provided it equals no less than the replacement cost value of the improvements. The RCE will need to be provided to determine if coverage is sufficient. Or client can elect to waive with verified compensation factors.<br>Buyer Comment (2025-12-16): [redacted] is asking for revisions<br>Buyer Comment (2025-12-16): Please note the [redacted] guidelines for determining value on page [redacted]. this loan does not have an appraisal as itis a HELOC. therefore all [redacted] does require is for the HELOC to be covered. The loan amount is covered on the uploaded policy. the loan amount is $[redacted]. Please refer to the [redacted] AVM. Note the value assigned by that AVM is $[redacted]. Please advise after review of [redacted] guidelines.<br>Reviewer Comment (2025-12-01): The same policy was provided that was in file at time of review. Coverage of the loan amount is not acceptable per guidelines. Please review the calculation charge under the hazard insurance requirements. No estimated cost new was provided (AVM) as well the RCE was not provided.<br>Buyer Comment (2025-12-01): See HOI, the coverage covers the loan amount and is sufficient. | 01/13/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 32 | 35499878 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-05): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-12-05): [redacted] elects to waive<br>Reviewer Comment (2025-12-05): The same document was provided that was in file at time of review. The transferred appraisal effective / completion date is prior to loan application. Condition can be waived as an EV2/B only. Please confirm waiver.<br>Buyer Comment (2025-12-04): This was a transf appraisal. |  |  | 12/05/2025 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 33 | 35499899 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-12-18): FTP provided | 12/18/2025 |  |  | 1 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 33 | 35499900 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-12-18): FTP provided<br>Buyer Comment (2025-12-18): see attached | 12/18/2025 |  |  | 1 | B | A B | B | A B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 34 | 35499964 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for the senior lien and lien being paid through closing are not on the credit report. Provide the [redacted]month housing history for each. |  |  |  | Reviewer Comment (2025-12-18): Supplements provided for lien. Not manually added. Verified as a tradeline per supplement.<br>Buyer Comment (2025-12-17): Both Liens Verification Payment history<br>Reviewer Comment (2025-12-17): The document provided was in file at time of review and is a VOR. Please review original condition. Housing history for the senior lien and lien being paid through closing are not on the credit report. Provide the [redacted]month housing history for each.<br>Buyer Comment (2025-12-17): See attached | 12/18/2025 |  |  | 1 | C | A C | C | A C |  | NJ | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 34 | 35499965 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Per guidelines, [redacted]% expense factor applied for P&L program (services businesses). |  |  |  | Reviewer Comment (2026-01-09): Per client clarification, expense factor is determined by dividing net by gross. Bottom line does not need an expense factor added. Client also indicated they allow the use of wages paid to the borrower from the business to be added back in. Guidelines are silent. Income updated. DTI within guidelines.<br>Buyer Comment (2026-01-08): Please see UW Mgr comments and advise: Calculating income from a P&L is pretty simple. The net income is divided by [redacted]. On this one, part of the expenses deducted on the P&L was for income that was paid to the borrower, so that expense gets to be added back to the calculation. The income that was paid to the borrower was documented with YTD payroll statement. This is standard practice with a P&L when the borrower also pays themself by W-2.<br>The only thing different on [redacted]mortgages is that we have to make sure the expenses cover the minimum required per the guidelines. This appears to be a service business, so we have to make sure the expenses are at least [redacted]% of the gross revenue. In this case, the expenses total $[redacted]divided by the gross income of $[redacted]equals [redacted]%. Everything looks to be good.<br>Reviewer Comment (2026-01-06): The document provided does not clear this condition. The document provided is not in the Closed End [redacted]Guidelines provided for review. The ones's provided for review require a [redacted]% expense factor for service based businesses.<br>Buyer Comment (2026-01-05): See Atached<br>Buyer Comment (2026-01-05): [redacted] Matrix for loan program<br>Reviewer Comment (2025-12-22): The UW income worksheet was already in file at time of review and the LOE is not acceptable. This is a closed end [redacted]and the requirements attached in the LOE are not from these guidelines. The closed end [redacted]guidelines require a [redacted]% expense factor as well as does not allow any other income documentation to be included outside of asset utilization or allow an wages to be added back in.<br>Buyer Comment (2025-12-22): Income CALC<br>Buyer Comment (2025-12-22): See UW explanation<br>Buyer Comment (2025-12-22): UW Explanation<br>Buyer Comment (2025-12-22): See Attached<br>Reviewer Comment (2025-12-22): The same 1008 was provided that was in file at time of review. W2 income cannot be added back to the P&L nor added separately. Per guidelines, no other income documentation type other than Asset Depletion can be combined with the P&L for the self-employed<br> borrower as well as guidelines do not say wage compensation can be added back to net income P&L.<br>Buyer Comment (2025-12-19): See explanation for the income that references the guidelines and appropriate [redacted]<br>Reviewer Comment (2025-12-17): The same documents were provided that were in file at time of review. Please review original condition. Per guidelines, a [redacted]% expense factor is applied for the P&L program (services businesses).<br>Buyer Comment (2025-12-17): SEE UW CALC<br>Buyer Comment (2025-12-17): SEE P&L | 01/09/2026 |  |  | 1 | C | A C | C | A C |  | NJ | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 35 | 35771685 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2026-01-15): FTP provided | 01/15/2026 |  |  | 1 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 35 | 35771689 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Page [redacted]of PUD rider is missing. |  |  |  | Reviewer Comment (2026-01-15): All pages of the PUD rider were provided<br>Buyer Comment (2026-01-15): PUD / DOT | 01/15/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 35 | 35771690 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  |  |  |  | Buyer Comment (2026-01-15): Ev2 |  |  | 01/15/2026 | 2 | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 35 | 35771691 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2026-01-15): Final title policy provided<br>Reviewer Comment (2026-01-15): Not a duplicate exception<br>Buyer Comment (2026-01-15): This is a duplicate - Title uploaded<br>Buyer Comment (2026-01-15): See attached | 01/15/2026 |  |  | 1 | B | A B | B | A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 36 | 35771692 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-05): Client elects to waive<br>Buyer Comment (2026-01-04): EV2 - pls waive |  |  | 01/05/2026 | 2 | A | A | A | A B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 36 | 35771693 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2026-01-06): Secondary AVM provided<br>Buyer Comment (2026-01-05): see attached | 01/06/2026 |  |  | 1 | N/A | A | N/A | A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 36 | 35771698 |  | Compliance | Missing Document | General | Missing Document | Incomplete Document: Right to Cancel (RTC) is incomplete |  | Received Document which is incomplete. |  |  |  | Reviewer Comment (2026-01-21): RTC provided. See additional condition. | 01/21/2026 |  |  | 1 | C | A C | C | A C |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 36 | 35771699 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2026-01-26): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Buyer Comment (2026-01-26): pls clear<br>Reviewer Comment (2026-01-21): Cleared in error. Received evidence of delivery via tracking. However, rescission does not expire until midnight on [redacted]. Condition cannot be cured until after rescission expiration date. Requeue exception for curing on [redacted] are the [redacted]).<br>Reviewer Comment (2026-01-21): LOE to borrower, unexecuted RTC form and mailing label provided which reflects on it's way. Rescission starts when the borrower receives the new form. Until delivery confirmation is received, cannot determine if rescission requirements were met. Further, any cure to condition cannot happen prior to the end of the new rescission period. |  | 01/26/2026 |  | 2 | C | B C | C | B C |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771700 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-12-23): Full interior/exterior appraisal provided along with supporting CDA<br>Buyer Comment (2025-12-22): see attached | 12/23/2025 |  |  | 1 | A | A | A | A B |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771701 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-12-23): Full interior/exterior appraisal provided along with supporting CDA<br>Buyer Comment (2025-12-22): see attached | 12/23/2025 |  |  | 1 | N/A | A | N/A | A |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771702 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide the RCE. |  |  |  | Reviewer Comment (2025-12-23): Full interior/exterior appraisal provided with estimated cost new. HOI is now sufficient. | 12/23/2025 |  |  | 1 | C | A C | C | A C |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771704 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | HPML loans require a full interior / exterior appraisal |  |  |  | Reviewer Comment (2025-12-23): Full interior/exterior appraisal provided<br>Buyer Comment (2025-12-22): see attached | 12/23/2025 |  |  | 1 | C | A C | C | A C |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771705 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | HPML loans require a full interior / exterior appraisal |  |  |  | Reviewer Comment (2025-12-23): Full interior/exterior appraisal provided<br>Buyer Comment (2025-12-22): see attached | 12/23/2025 |  |  | 1 | B | A B | B | A B |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771706 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | HPML loans require a full interior / exterior appraisal |  |  |  | Reviewer Comment (2025-12-23): Full interior/exterior appraisal provided<br>Buyer Comment (2025-12-22): see attached | 12/23/2025 |  |  | 1 | C | A C | C | A C |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771708 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to missing income documentation |  |  |  | Reviewer Comment (2026-01-08): [redacted] correspondence provided indicating which property address is which for the [redacted] ledger.<br>Buyer Comment (2026-01-07): see attached<br>Reviewer Comment (2026-01-05): The attached is not acceptable. The attached the reflects the subject is listed on the [redacted] but there are multiple descriptions listed under Home and it is not clear what property is for what. There are [redacted] different home descriptions listed, however the borrower only claimed [redacted]rental properties. The [redacted] ledger needs to be provided as to what property<br>Buyer Comment (2026-01-02): see attached | 01/08/2026 |  |  | 1 | B | A C | B | A C B |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771709 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to missing income documentation |  |  |  | Reviewer Comment (2026-01-08): [redacted] correspondence provided indicating which property address is which for the [redacted] ledger. | 01/08/2026 |  |  | 1 | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771710 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [redacted] Urgent & [redacted] [redacted]most recent paystubs or bank statements required to support continuance of income for each 1099 source utilized for qualification (e.g. if borrower provided 1099 forms from ([redacted]) separate sources, then a separate paystub/bank statement deposit must be provided from each of the ([redacted]) 1099 sources to support current receipt). One bank account may be used if continuance of income from all 1099 sources are sourced in that single bank account. |  |  |  | Reviewer Comment (2025-12-24): The supporting income docs were provided<br>Buyer Comment (2025-12-22): see attached | 12/24/2025 |  |  | 1 | C | A C | C | A C |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771711 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | [redacted] statements do not reflect an address. [redacted] only reflects the addresses. Both are needed for rental income. |  |  |  | Reviewer Comment (2026-01-08): [redacted] correspondence provided indicating which property address is which for the [redacted] ledger.<br>Buyer Comment (2026-01-07): see attached<br>Reviewer Comment (2026-01-05): The attached is not acceptable. The attached the reflects the subject is listed on the [redacted] but there are multiple descriptions listed under Home and it is not clear what property is for what. There are [redacted]different home descriptions listed, however the borrower only claimed [redacted]rental properties. The [redacted] ledger needs to be provided as to what property<br>Buyer Comment (2026-01-02): see attached | 01/08/2026 |  |  | 1 | C | A C | C | A C |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771712 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | [redacted] statements do not reflect an address. [redacted] only reflects the addresses. Both are needed for rental income. |  |  |  | Reviewer Comment (2026-01-08): [redacted] correspondence provided indicating which property address is which for the [redacted] ledger.<br>Buyer Comment (2026-01-07): SEE ATTACHED<br>Reviewer Comment (2026-01-05): The attached is not acceptable. The attached the reflects the subject is listed on the [redacted] but there are multiple descriptions listed under Home and it is not clear what property is for what. There are [redacted]different home descriptions listed, however the borrower only claimed [redacted]rental properties. The [redacted] ledger needs to be provided as to what property<br>Buyer Comment (2026-01-02): see attached | 01/08/2026 |  |  | 1 | C | A C | C | A C |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771713 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | [redacted] statements do not reflect an address. [redacted] only reflects the addresses. Both are needed for rental income. |  |  |  | Reviewer Comment (2026-01-08): [redacted] correspondence provided indicating which property address is which for the [redacted] ledger.<br>Buyer Comment (2026-01-07): see attached<br>Reviewer Comment (2026-01-05): The attached is not acceptable. The attached the reflects the subject is listed on the [redacted] but there are multiple descriptions listed under Home and it is not clear what property is for what. There are [redacted]different home descriptions listed, however the borrower only claimed [redacted]rental properties. The [redacted] ledger needs to be provided as to what property<br>Buyer Comment (2026-01-02): see attached | 01/08/2026 |  |  | 1 | C | A C | C | A C |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771714 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income documents |  |  |  | Reviewer Comment (2026-01-08): [redacted] correspondence provided indicating which property address is which for the [redacted] ledger.<br>Buyer Comment (2026-01-07): see attached | 01/08/2026 |  |  | 1 | C | A C | C | A C |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 35771717 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The [redacted] correspondence provided post-review states the borrower rents out as an STR [redacted]. This property was not added to the DTI. Provide evidence this property is no longer owned by the borrower or add property to the DTI and provide supporting documentation for the PITIA. |  |  |  | Reviewer Comment (2026-01-30): Property profile report and mortgage statement provided verifying owner is an [redacted]. Debt does not appear on borrower's credit. Client indicated can be excluded. Requested clearance.<br>Buyer Comment (2026-01-28): The property is in the business name and NOT included in the DTI - Pls CLEAR<br>Reviewer Comment (2026-01-28): Provide supporting documents to verify the borrower's ownership of the property "[redacted]". Additionally, this property has not been included in the DTI calculation. Please provide evidence that the borrower no longer owns the property, or update the DTI to include this liability. Exception remains.<br>Buyer Comment (2026-01-26): see attached<br>Reviewer Comment (2026-01-20): Received property report identifies the owner as the business entity [redacted]. However, to verify ownership of the property, we still require the supporting documents, including Tax Verification, Insurance Verification, and Mortgage Statement. Exception remains.<br>Buyer Comment (2026-01-15): see attached<br>Reviewer Comment (2026-01-14): The provided property report pertains to the subject property. A property report for [redacted]is required to verify ownership of that property. Exception Remains.<br>Buyer Comment (2026-01-12): see attached | 01/30/2026 |  |  | 1 |  | A |  | A |  | GA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 38 | 35771718 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-12-22): FTP provided | 12/22/2025 |  |  | 1 | A | A | A | A |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 38 | 35771720 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is not provided on the Preliminary title report. |  |  |  | Reviewer Comment (2025-12-22): FTP provided<br>Buyer Comment (2025-12-22): FTP attached | 12/22/2025 |  |  | 1 | B | A B | B | A B |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 38 | 35771722 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-12-22): Statement provided<br>Buyer Comment (2025-12-22): see attached | 12/22/2025 |  |  | 1 |  | A |  | A |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 38 | 35771723 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide the statement and [redacted]month housing history as not reported on credit. |  |  |  | Reviewer Comment (2025-12-24): Evidence this property is commercial was provided<br>Buyer Comment (2025-12-22): see attached | 12/24/2025 |  |  | 1 |  | A |  | A |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 39 | 35771766 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-12-23): FTP provided | 12/23/2025 |  |  | 1 | A | A | A | A |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 39 | 35771768 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-12-23): FTP provided<br>Buyer Comment (2025-12-22): see attached | 12/23/2025 |  |  | 1 | B | A B | B | A B |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 40 | 35771777 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-12-23): Secondary AVM provided<br>Buyer Comment (2025-12-23): see attached<br>Reviewer Comment (2025-12-17): This was escalated and discussed with [redacted] at [redacted] as well. A property condition report is not a secondary valuation. A secondary valuation is required for securtiization.<br>Buyer Comment (2025-12-17): see guidelines- pls escalate to mgr for review.<br>Reviewer Comment (2025-12-16): The same document was provided that was in file at time of review. A property condition report is not a secondary valuation. A secondary valuation is required for securtiization.<br>Buyer Comment (2025-12-16): AVM and PCI attached- [redacted] lien acceptable per [redacted] guidelines.<br>Buyer Comment (2025-12-16): see attached-<br>Reviewer Comment (2025-12-15): The same document was provided that was in file at time of review. A property condition report is not a secondary valuation.<br>Buyer Comment (2025-12-15): see attached | 12/23/2025 |  |  | 1 | N/A | A | N/A | A |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 40 | 35771778 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-12-26): [redacted] elects to waive<br>Reviewer Comment (2025-12-23): AVM does not clear this condition. As previously noted on [redacted]: Securitization requires a full appraisal for [redacted] liens. Client can elect to waive.<br>Buyer Comment (2025-12-23): see attached<br>Reviewer Comment (2025-12-17): As previously noted on [redacted]: The AVM and [redacted] were in file at time of review. Securitization requires a full appraisal for [redacted] liens. Client can elect to waive.<br>Buyer Comment (2025-12-17): see guidelines-<br>Reviewer Comment (2025-12-16): The AVM and PCI were in file at time of review. Securitization requires a full appraisal for [redacted]liens. Client can elect to waive.<br>Buyer Comment (2025-12-16): AVM and PCI attached- [redacted] lien acceptable per [redacted] guidelines. |  |  | 12/26/2025 | 2 | A | A | A | A B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 41 | 35771784 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-10): Client elects to waive<br>Buyer Comment (2025-12-10): [redacted] elects to waive- AVM/ PCI provided<br>Reviewer Comment (2025-12-10): The document provided was in file at time of review and does not clear this condition. AVM only was provided. Client can elect to waive this condition.<br>Buyer Comment (2025-12-10): see attached |  |  | 12/10/2025 | 2 | A | A | A | A B |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 41 | 35771785 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-12-23): Additional AVM provided<br>Buyer Comment (2025-12-23): see attached<br>Reviewer Comment (2025-12-10): A property condition report is not a secondary valuation. A [redacted] valuation is a 2055E, a [redacted] AVM from a different vendor than the primary AVM, or BPO.<br>Buyer Comment (2025-12-10): PCI was provided<br>Reviewer Comment (2025-12-10): The same document was provided that was in file at time of review an does not clear this condition. A secondary valuation is required for securitization.<br>Buyer Comment (2025-12-10): see attached | 12/23/2025 |  |  | 1 | N/A | A | N/A | A |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 41 | 35771787 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to excessive DTI |  |  |  | Reviewer Comment (2026-01-09): [redacted] months bank statements provided reflecting business pays for the debt. Exclusion allowed. DTI is now within guidelines.<br>Buyer Comment (2026-01-08): see attached<br>Reviewer Comment (2025-12-10): Payments via bank statements provided for [redacted] months reflecting paid by another party. Need [redacted] consecutive months for exclusion.<br>Buyer Comment (2025-12-10): see attached | 01/09/2026 |  |  | 1 | B | A C | B | A C B |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 41 | 35771788 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Based on the 1008, it does not appear the lender included the lease debt of [redacted] for $[redacted]/month in to the liabilities. |  |  |  | Reviewer Comment (2026-01-09): [redacted] months bank statements provided reflecting business pays for the debt. Exclusion allowed. DTI is now within guidelines.<br>Buyer Comment (2026-01-08): see attached - appears some payments reviewer missed<br>Reviewer Comment (2025-12-10): Payments via bank statements provided for [redacted] months reflecting paid by another party. Need [redacted] consecutive months for exclusion.<br>Buyer Comment (2025-12-10): see attached | 01/09/2026 |  |  | 1 | C | A C | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 41 | 35771789 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Based on the 1008, it does not appear the lender included the lease debt of [redacted]/month in to the liabilities. |  |  |  | Reviewer Comment (2026-01-09): [redacted] months bank statements provided reflecting business pays for the debt. Exclusion allowed. DTI is now within guidelines.<br>Buyer Comment (2026-01-08): see attached<br>Reviewer Comment (2025-12-10): Payments via bank statements provided for [redacted] months reflecting paid by another party. Need [redacted] consecutive months for exclusion.<br>Buyer Comment (2025-12-10): see attached | 01/09/2026 |  |  | 1 | C | A C | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 41 | 35771790 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to excessive DTI |  |  |  | Reviewer Comment (2026-01-09): [redacted] months bank statements provided reflecting business pays for the debt. Exclusion allowed. DTI is now within guidelines.<br>Buyer Comment (2026-01-08): see attached<br>Reviewer Comment (2025-12-10): Payments via bank statements provided for [redacted] months reflecting paid by another party. Need [redacted] consecutive months for exclusion.<br>Buyer Comment (2025-12-10): see attached | 01/09/2026 |  |  | 1 | C | A C | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 41 | 35771791 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the fully executed / notarized deed transferring the property solely to the borrower. Must be completed at or prior to closing. |  |  |  | Reviewer Comment (2025-12-10): Deed provided<br>Buyer Comment (2025-12-10): see attached | 12/10/2025 |  |  | 1 | D | A D | D | A D |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 41 | 35771792 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | RCE provided |  |  |  | Reviewer Comment (2026-01-12): Agent email confirmation that checklist provided with $[redacted] is the [redacted] .<br>Buyer Comment (2026-01-12): see attached | 01/12/2026 |  |  | 1 | C | A C | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 42 | 35771797 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Unit number is missing |  |  |  | Reviewer Comment (2026-01-16): Updated flood cert provided<br>Buyer Comment (2026-01-16): see attached | 01/16/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 43 | 35771802 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2026-01-27): FTP provided | 01/27/2026 |  |  | 1 | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 43 | 35771805 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Document each asset with statements covering [redacted] months. Accounts #[redacted]only has [redacted]months documented ([redacted]). |  |  |  | Reviewer Comment (2026-01-20): Account #[redacted] and #[redacted] opened [redacted] which were transferred from 401K [redacted] that has [redacted] statements -[redacted] 401K's to create new accounts.<br>Buyer Comment (2026-01-16): see attached - Funds from this acct were transferred to #[redacted] | 01/20/2026 |  |  | 1 | C | A C | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 43 | 35771806 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Judgment on title not addressed. |  |  |  | Reviewer Comment (2026-01-27): FTP provided<br>Buyer Comment (2026-01-27): see attached | 01/27/2026 |  |  | 1 | C | A C | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 43 | 35771807 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing income documents |  |  |  | Reviewer Comment (2026-01-20): Account #[redacted] and #[redacted] opened [redacted] which were transferred from 401K [redacted] that has [redacted] statements -[redacted] 401K's to create new accounts.<br>Buyer Comment (2026-01-16): see attached- | 01/20/2026 |  |  | 1 | B | A C | B | A C B |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 43 | 35771808 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income documents |  |  |  | Reviewer Comment (2026-01-20): Account #[redacted] and #[redacted] opened [redacted] which were transferred from 401K [redacted] that has [redacted] statements -[redacted] 401K's to create new accounts.<br>Buyer Comment (2026-01-16): see attached | 01/20/2026 |  |  | 1 | C | A C | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 44 | 35771853 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  |  |  |  | Buyer Comment (2026-01-09): Ev2 |  |  | 01/09/2026 | 2 | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 45 | 35771857 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2026-01-13): Additional AVM provided<br>Buyer Comment (2026-01-13): see attached | 01/13/2026 |  |  | 1 | N/A | A | N/A | A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 45 | 35771858 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-01-13): Ev2 |  |  | 01/13/2026 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 45 | 35771860 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  |  |  | Reviewer Comment (2026-01-13): HOA questionnaire provided<br>Buyer Comment (2026-01-13): see attached | 01/13/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 45 | 35771861 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  |  |  |  | Buyer Comment (2026-01-13): Ev2 |  |  | 01/13/2026 | 2 | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 45 | 35771862 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | [redacted]% expense factor for P&L program (service business). |  |  |  | Reviewer Comment (2026-01-13): Per client confirmation, [redacted]% expense factor is not applied to bottom line but is the difference between net and gross. Removed additional expense factors and DTI is within guidelines. | 01/13/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 45 | 35771863 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to excessive DTI |  |  |  | Reviewer Comment (2026-01-13): Per client confirmation, [redacted]% expense factor is not applied to bottom line but is the difference between net and gross. Removed additional expense factors and DTI is within guidelines. | 01/13/2026 |  |  | 1 | B | A C | B | A C B |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 45 | 35771864 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to excessive DTI |  |  |  | Reviewer Comment (2026-01-13): Per client confirmation, [redacted]% expense factor is not applied to bottom line but is the difference between net and gross. Removed additional expense factors and DTI is within guidelines. | 01/13/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 45 | 35771865 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | [redacted]% expense factor for P&L program (service business). |  |  |  | Reviewer Comment (2026-01-13): Per client confirmation, [redacted]% expense factor is not applied to bottom line but is the difference between net and gross. Removed additional expense factors and DTI is within guidelines. | 01/13/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 46 | 35771876 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-01-12): Ev2 |  |  | 01/12/2026 | 2 | A | A | A | A B |  | TX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 46 | 35771879 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. |  | 2055E reflects Owner Occupied on an Investment Transaction. |  |  |  | Reviewer Comment (2026-01-21): Updated 2055E provided<br>Buyer Comment (2026-01-20): see attached | 01/21/2026 |  |  | 1 | C | A C | C | A C |  | TX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 47 | 35771893 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] |  | No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. |  |  |  | Buyer Comment (2026-01-09): [redacted] elects to waive |  |  | 01/09/2026 | 2 | A | A | A | A B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 48 | 35771902 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted]: Business has not been active for [redacted]years are required per guidelines. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-23): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-01-23): Exception |  |  | 01/23/2026 | 2 | C | B C | C | B C |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 49 | 35772094 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-02-10): TPOL was provided | 02/10/2026 |  |  | 1 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 49 | 35772096 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-12-23): Received and associated Title Final with title policy amount $[redacted]. Exception cleared.<br>Buyer Comment (2025-12-19): see attached | 12/23/2025 |  |  | 1 | B | A B | B | A B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 49 | 35772097 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] |  | Transferred appraisal in file. |  |  |  | Buyer Comment (2026-01-08): EV2 [redacted] elects to waive |  |  | 01/08/2026 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 49 | 35772099 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  |  |  |  | Buyer Comment (2026-01-08): Ev2 |  |  | 01/08/2026 | 2 | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 50 | 35809489 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] |  |  |  |  |  | Buyer Comment (2026-01-13): Ev2 |  |  | 01/13/2026 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 50 | 35809491 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  |  |  |  | Buyer Comment (2026-01-13): Ev2 |  |  | 01/13/2026 | 2 | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 50 | 35809492 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide the RCE. |  |  |  | Reviewer Comment (2026-02-05): Updated HOI and RCE provided<br>Buyer Comment (2026-02-04): Attached<br>Buyer Comment (2026-02-04): The following is from the insurance provider: That being said they have [redacted]% Replacement Cost on this policy. So they actually have an additional $[redacted]in coverage for this. So in actuality they have $[redacted]in rebuild coverage. Is this not enough ? For this reason my binder team has sent the binder to all parties accordingly thinking that this should suffice ... I have attached the policy with the additional coverage highlighted. | 02/05/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 51 | 35809495 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] |  |  |  |  |  | Buyer Comment (2026-02-02): [redacted] elects to waive |  |  | 02/02/2026 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 51 | 35809498 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  |  |  |  | Buyer Comment (2026-02-02): [redacted] elects to waive |  |  | 02/02/2026 | 2 | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 51 | 35809501 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided from prior transaction. Lender/Client differs from note. Appraisal is not acceptable. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2026-02-03): Transfer letter provided<br>Buyer Comment (2026-02-03): tranfer letter attached<br>Reviewer Comment (2026-02-03): The same CDA was provided that was in file at time of review. The appraisal is a transferred appraisal and transfer letter was not provided.<br>Buyer Comment (2026-02-02): see attached | 02/03/2026 |  |  | 1 | D | A | D | A D |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 51 | 35809502 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Transfer letter not provided |  |  |  | Reviewer Comment (2026-02-03): Transfer letter provided | 02/03/2026 |  |  | 1 | B | A B | B | A B |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 52 | 35809528 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  |  |  |  | Buyer Comment (2026-01-30): Ev2 |  |  | 01/30/2026 | 2 | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 52 | 35809529 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. |  | Max $[redacted]loan amount for up to [redacted]% CLTV. (Note: Max $[redacted]loan amount is [redacted]% CLTV which would result in an CLTV violation and loan amount violation). |  |  |  | Reviewer Comment (2026-02-06): Rescored report provided updating credit scores. New score allows up to $[redacted]loan amount.<br>Buyer Comment (2026-02-06): Attached<br>Reviewer Comment (2026-02-03): The matrix was already reviewed at time of submission. Property is OO and borrower's credit score is [redacted]. Loan closed at a [redacted]% CLTV with a $[redacted]loan amount. Max $[redacted]loan amount for up to [redacted]% CLTV with a[redacted] FICO. (Note: Max $[redacted]loan amount is [redacted]% CLTV which would result in an CLTV violation and loan amount violation).<br>Buyer Comment (2026-01-30): please see matrix allows | 02/06/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 53 | 35809530 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] |  |  |  |  |  | Buyer Comment (2026-02-09): Ev2<br>Reviewer Comment (2026-02-03): Appraisal is dated prior to application date and is not in regards to if CDA was ordered for this transaction. This is an EV2/B that client can elect to waive as such.<br>Buyer Comment (2026-01-30): borrower had prior application and w/d - changed mind and [redacted] was able to utilize same appraisal. CDA was done for this loan transaction . |  |  | 02/09/2026 | 2 | A | A | A | A B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 54 | 35809539 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A gap credit report is provided within [redacted]days of closing is missing from file. |  |  |  | Reviewer Comment (2026-02-05): New credit report provided dated [redacted] with updated debt and scores<br>Buyer Comment (2026-02-05): Attached | 02/05/2026 |  |  | 1 | C | A C | C | A C |  | CA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 55 | 35809542 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] |  |  |  |  |  | Buyer Comment (2026-02-03): Ev2 |  |  | 02/03/2026 | 2 | A | A | A | A B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 55 | 35809545 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The P&L program requires a [redacted]% expense factor for service based businesses. |  |  |  | Reviewer Comment (2026-02-03): Per client confirmation on guideline interpretation, the [redacted]% expense factor is not applied to the net. It is the minimum required between net / gross. DTI is within guidelines.<br>Buyer Comment (2026-02-03): Expenses exceed the minim [redacted]% on P&L -?? | 02/03/2026 |  |  | 1 | C | A C | C | A C |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 55 | 35809546 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to excessive DTI and incomplete income documents. |  |  |  | Reviewer Comment (2026-02-03): Loan designation updated to Non-QM. Condition no longer applies.<br>Buyer Comment (2026-02-03): P&L support expenses > [redacted]% | 02/03/2026 |  |  | 1 | B | A C | B | A C B |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 55 | 35809547 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The P&L program requires a [redacted]% expense factor for service based businesses. |  |  |  | Reviewer Comment (2026-02-03): Per client confirmation on guideline interpretation, the [redacted]% expense factor is not applied to the net. It is the minimum required between net / gross. DTI is within guidelines.<br>Buyer Comment (2026-02-03): P&L support expenses > [redacted]% | 02/03/2026 |  |  | 1 | C | A C | C | A C |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 55 | 35809548 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to excessive DTI and incomplete income documents. |  |  |  | Reviewer Comment (2026-02-03): Loan designation updated to Non-QM. Condition no longer applies<br>Buyer Comment (2026-02-03): P&L support expenses > [redacted]% | 02/03/2026 |  |  | 1 | C | A C | C | A C |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 55 | 35809549 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  |  |  |  | Buyer Comment (2026-02-03): Ev2 |  |  | 02/03/2026 | 2 | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 55 | 35809550 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | CPA/CTEC/EA must confirm they have prepared the most [redacted]year's business tax return filing. The preparer notes their firm just reviewed the last [redacted]years tax returns along with the company's financial statements. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-03): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-02-03): see attached |  |  | 02/03/2026 | 2 | C | B C | C | B C |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 55 | 35809551 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Max loan amount for Closed End Second Primary Residence. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-03): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-02-03): see attached |  |  | 02/03/2026 | 2 | C | B C | C | B C |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 56 | 35809553 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-01-30): FTP provided | 01/30/2026 |  |  | 1 | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 56 | 35809554 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2026-01-30): FTP provided<br>Buyer Comment (2026-01-28): see attached | 01/30/2026 |  |  | 1 | B | A B | B | A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 56 | 35809559 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Max for CES | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-14): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-01-14): see attached |  |  | 01/14/2026 | 2 | C | B C | C | B C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 56 | 35809560 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final Title Policy provided post-review reflects taxes due and now delinquent as of[redacted]. Provide the updated Final Title reflecting taxes were paid. |  |  |  | Reviewer Comment (2026-02-10): Per title confirmation, the county gave an ext for [redacted]installment of taxes. Updated tax cert reflects delinquent if not paid by [redacted] now. Escrowed through senior lien.<br>Buyer Comment (2026-02-09): see attached<br>Reviewer Comment (2026-02-06): The condition is not stating that escrows are required on this transaction but that there are delinquent taxes on the Final Title Policy that were not paid. If taxes were escrowed through the senior lien, they should have been paid. FTP reflects they are delinquent as of [redacted]. If taxes were paid, the FTP needs to be updated as it is final title policy for this current transaction and cannot reflect any delinquent issues.<br>Buyer Comment (2026-02-06): Extension is not needed but providing for you all<br>Buyer Comment (2026-02-06): this is a [redacted]mortgage and escrows are not required. Per the attached mortgage statement the fist mortgage has an escrow account that the taxes should be paid through. Please clear this condition. | 02/10/2026 |  |  | 1 |  | A |  | A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 57 | 35873520 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-01-13): Ev2 |  |  | 01/13/2026 | 2 | A | A | A | A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 57 | 35873521 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2026-01-14): Secondary AVM provided<br>Buyer Comment (2026-01-13): see attached | 01/14/2026 |  |  | 1 | N/A | A | N/A | A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 57 | 35873523 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide the RCE. |  |  |  | Reviewer Comment (2026-02-19): RCE provided<br>Buyer Comment (2026-02-18): Attached, thanks! | 02/19/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 57 | 35873526 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | P&L only program: CPA/CTEC/EA confirms they have prepared the most [redacted]year's business tax return filing and also prepares the P&L. CPA only notes they reviewed working papers/financials provided by the borrower and confirms accuracy of the P&L. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-13): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-02-12): See attached<br>Reviewer Comment (2026-02-03): The exception provided does not cover this condition. Per the P&L program, the CPA must confirm they prepared the most recent years business tax return filings and prepare the P&L. The CPA only notes they reviewed working papers/financials provided and confirms accuracy of the P&L.<br>Buyer Comment (2026-01-31): see attached |  |  | 02/13/2026 | 2 | C | B C | C | B C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 57 | 35873527 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | P&L only program: CPA/CTEC/EA confirms they have prepared the most [redacted]year's business tax return filing and also prepares the P&L. CPA only notes they reviewed working papers/financials provided by the borrower and confirms accuracy of the P&L. |  |  |  | Reviewer Comment (2026-02-13): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2026-02-03): The exception provided does not cover this condition. Per the P&L program, the CPA must confirm they prepared the most [redacted]years business tax return filings and prepare the P&L. The CPA only notes they reviewed working papers/financials provided and confirms accuracy of the P&L.<br>Buyer Comment (2026-01-31): see attached | 02/13/2026 |  |  | 1 | B | A C | B | A C B |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 57 | 35873528 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | P&L only program: CPA/CTEC/EA confirms they have prepared the most [redacted]year's business tax return filing and also prepares the P&L. CPA only notes they reviewed working papers/financials provided by the borrower and confirms accuracy of the P&L. |  |  |  | Reviewer Comment (2026-02-13): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2026-02-03): The exception provided does not cover this condition. Per the P&L program, the CPA must confirm they prepared the most [redacted]years business tax return filings and prepare the P&L. The CPA only notes they reviewed working papers/financials provided and confirms accuracy of the P&L.<br>Buyer Comment (2026-01-31): see attached | 02/13/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 58 | 35873533 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide the RCE. |  |  |  | Reviewer Comment (2026-02-18): RCE provided<br>Buyer Comment (2026-02-17): RCE Attached<br>Reviewer Comment (2026-02-10): Per guidelines for [redacted]liens, it states the property must equal [redacted]% of the replacement cost of the improvements (which per the appraisal is $[redacted]) or the unpaid principal balance of all liens, provided it equals no less than the replacement cost value of the improvements ($[redacted]for new CES and $[redacted]senior lien = $[redacted]). Coverage is short by $[redacted]based off the estimated cost new on the appraisal. Provide the RCE.<br>Buyer Comment (2026-02-09): The cost estimate new on the appraisal is $[redacted]insurable value per guides. You can see the dec page has extended replacement coverage of [redacted]% so that makes the dwelling coverage ($[redacted]. There should already be sufficient coverage documented. Please update, thank you. | 02/18/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 58 | 35873535 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/[redacted] form and does not contain the following clauses: | ___ |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-23): Client elects to waive<br>Buyer Comment (2026-02-22): Please waive this condition<br>Reviewer Comment (2026-02-10): If the Security instrument is not on a [redacted] form, this is required. Condition is an EV2 which [redacted] can elect to waive.<br>Buyer Comment (2026-02-09): Closed end second mortgage, is this required? |  |  | 02/23/2026 | 2 | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 58 | 35873536 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Per guidelines, third party verification of SE must be within [redacted] days of closing. A VVOE is not third party verification of SE as well as the internet search in file is not dated. |  |  |  | Reviewer Comment (2026-02-10): Dated SOS provided within [redacted] days prior to closing | 02/10/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 58 | 35873537 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Per guidelines, third party verification of SE must be within [redacted] days of closing. A VVOE is not third party verification of SE as well as the internet search in file is not dated. |  |  |  | Reviewer Comment (2026-02-10): Third party SOS provided dated prior to closing within [redacted] days | 02/10/2026 |  |  | 1 | B | A C | B | A C B |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 58 | 35873538 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Per guidelines, third party verification of SE must be within [redacted] days of closing. A VVOE is not third party verification of SE as well as the internet search in file is not dated. |  |  |  | Reviewer Comment (2026-02-10): Third party SOS provided dated prior to closing within [redacted] days | 02/10/2026 |  |  | 1 | C | A C | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 59 | 35931812 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Since the loan is not paying off a same lender mortgage, transaction is not considered a lender to lender refinance, an H8 is required. |  |  |  | Reviewer Comment (2026-01-22): Received the proper RTC form.<br>Buyer Comment (2026-01-20): attached<br>Buyer Comment (2026-01-19): Loan was not cancelled by [redacted].<br>Reviewer Comment (2026-01-16): Document received. Unable to cure until [redacted] due to borrower able to cancel up to [redacted].<br>Buyer Comment (2026-01-14): attached | 01/22/2026 |  |  | 1 | C | A C | C | A C |  | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | No |

---

## Exhibit 99.3

**Exhibit 99.3**

---

| |
|:---|
| ![](ex99-3_001.jpg) |
| **Rating Agency Grades** |
| **Run Date - 4/13/2026 2:27:03 PM** |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Moody's** | **Moody's** | **DBRS** | **Kroll** | **Moody's** | **Moody's** | **Moody's** | **DBRS** | **Kroll** | **Moody's** | **Moody's** |
| [Redacted] | [Redacted] | [Redacted] | 1 |  | C | C A | A | D A | D | N/A D C | A | A | A | A | N/A B | A B |
| [Redacted] | [Redacted] | [Redacted] | 2 |  | C | C A | A | A | A | N/A C B | B A | A | A | A | N/A B | B |
| [Redacted] | [Redacted] | [Redacted] | 3 |  | A | A B | B | A | A | N/A B | A | A | A | A | N/A B | A B |
| [Redacted] | [Redacted] | [Redacted] | 4 |  | C | C | C | A | A | N/A C | N/A | N/A | A | A | N/A | N/A |
| [Redacted] | [Redacted] | [Redacted] | 5 |  | A | A | A | A | A | N/A | N/A | N/A | A | A | N/A | N/A |
| [Redacted] | [Redacted] | [Redacted] | 6 |  | A | A C | C | A | A | N/A C | N/A | N/A | A | A | N/A | N/A |
| [Redacted] | [Redacted] | [Redacted] | 7 |  | A | A C | C | A | A | N/A C | N/A | N/A | A | A | N/A | N/A |
| [Redacted] | [Redacted] | [Redacted] | 8 |  | C | C A | A | A | A | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 9 |  | C | C | C | A | A | N/A B C | N/A | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 10 |  | B | B A | A | A | A | N/A B | N/A B | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 11 |  | A | A | A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 12 |  | A | A B | B | A | A | N/A B | N/A B | N/A B | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 13 |  | C | C A | A | A | A | N/A B C | A | A | A | A | N/A B | A B |
| [Redacted] | [Redacted] | [Redacted] | 14 |  | C | C D A | A | A | A | N/A C D | A | A | A | A | N/A | A |
| [Redacted] | [Redacted] | [Redacted] | 15 |  | C | C A | A | A | A | N/A C | N/A | N/A | A | A | N/A | N/A |
| [Redacted] | [Redacted] | [Redacted] | 16 |  | A | A | A | A | A | N/A | N/A | N/A | A | A | N/A | N/A |
| [Redacted] | [Redacted] | [Redacted] | 17 |  | A | A B | B | N/A | N/A | N/A D B | N/A B | N/A B | N/A | N/A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 18 |  | A | A C | C | A | A | N/A C | A B | B | A | A | N/A B | B |
| [Redacted] | [Redacted] | [Redacted] | 19 |  | B | B A | A | A | A | N/A B | A | A | A | A | N/A | A |
| [Redacted] | [Redacted] | [Redacted] | 20 |  | B | B A | A | A | A | N/A B | B A | A | A | A | N/A B | B |
| [Redacted] | [Redacted] | [Redacted] | 21 |  | A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| [Redacted] | [Redacted] | [Redacted] | 22 |  | A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| [Redacted] | [Redacted] | [Redacted] | 23 |  | A | A | A | A | A | N/A | A | A | A | A | N/A | A |
| [Redacted] | [Redacted] | [Redacted] | 24 |  | A | A C | C | A | A | N/A C | A | A | A | A | N/A | A |
| [Redacted] | [Redacted] | [Redacted] | 25 |  | A | A | A | A | A | N/A B | A | A | A | A | N/A B | A B |
| [Redacted] | [Redacted] | [Redacted] | 26 |  | A | A | A | A | A | N/A B | N/A | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 27 |  | A | A | A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 28 |  | C | C | C | A | A | N/A C | A | A | A | A | N/A | A |
| [Redacted] | [Redacted] | [Redacted] | 29 |  | D | D A | A | A | A | N/A B D | B A | A | A | A | N/A B | B |
| [Redacted] | [Redacted] | [Redacted] | 30 |  | D | D A | A | A | A | N/A B D | A | A | A | A | N/A B | A B |
| [Redacted] | [Redacted] | [Redacted] | 31 |  | C | C A | A | N/A | N/A | N/A B C | N/A | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 32 |  | A | A | A | A | A | N/A B | N/A | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 33 |  | B | B A | A | A | A | N/A B | A | A | A | A | N/A | A |
| [Redacted] | [Redacted] | [Redacted] | 34 |  | C | C A | A | A | A | N/A C | A | A | A | A | N/A | A |
| [Redacted] | [Redacted] | [Redacted] | 35 |  | C | C A | A | A | A | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 36 |  | A | A C | C | N/A | N/A | N/A B C | N/A B | N/A B | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 37 |  | C | C | C | N/A | N/A | N/A B C | N/A | N/A | A | A | N/A | N/A |
| [Redacted] | [Redacted] | [Redacted] | 38 |  | B | B A | A | A | A | N/A B | N/A | N/A | A | A | N/A | N/A |
| [Redacted] | [Redacted] | [Redacted] | 39 |  | B | B A | A | A | A | N/A B | N/A | N/A | A | A | N/A | N/A |
| [Redacted] | [Redacted] | [Redacted] | 40 |  | A | A | A | N/A | N/A | N/A B | N/A | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 41 |  | D | D C | C | N/A | N/A | N/A B D | N/A | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 42 |  | C | C A | A | A | A | N/A C | N/A | N/A | A | A | N/A | N/A |
| [Redacted] | [Redacted] | [Redacted] | 43 |  | C | C | C | A | A | N/A C | N/A | N/A | A | A | N/A | N/A |
| [Redacted] | [Redacted] | [Redacted] | 44 |  | B | B A | A | A | A | N/A B | N/A B | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 45 |  | C | C | C | N/A | N/A | N/A B C | N/A B | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 46 |  | C | C A | A | A | A | N/A B C | N/A | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 47 |  | A | A | A | A | A | N/A B | N/A | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 48 |  | C | C A | A | A | A | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 49 |  | B | B A | A | A | A | N/A B | N/A B | N/A | A | A | N/A B | N/A B |
| [Redacted] | [Redacted] | [Redacted] | 50 |  | C | C A | A | A | A | N/A B C | N/A B | N/A | A | A | N/A B | B |
| [Redacted] | [Redacted] | [Redacted] | 51 |  | B | N/A B | N/A | D B | D | N/A D B | N/A B | N/A | A | A | N/A B | B |
| [Redacted] | [Redacted] | [Redacted] | 52 |  | C | C A | A | A | A | N/A C B | N/A B | N/A | A | A | N/A B | B |
| [Redacted] | [Redacted] | [Redacted] | 53 |  | A | A | A | A | A | N/A B | N/A | N/A | A | A | N/A B | B |
| [Redacted] | [Redacted] | [Redacted] | 54 |  | C | C A | A | A | A | N/A C | N/A | N/A | A | A | N/A | A |
| [Redacted] | [Redacted] | [Redacted] | 55 |  | C | C | C | A | A | N/A B C | N/A B | N/A | A | A | N/A B | B |
| [Redacted] | [Redacted] | [Redacted] | 56 |  | C | C A | A | A | A | N/A C B | N/A B | N/A | A | A | N/A B | B |
| [Redacted] | [Redacted] | [Redacted] | 57 |  | C | C | C | N/A | N/A | N/A B C | N/A B | N/A | A | A | N/A B | B |
| [Redacted] | [Redacted] | [Redacted] | 58 |  | C | C | C | A | A | N/A C B | N/A B | N/A | A | A | N/A B | B |
| [Redacted] | [Redacted] | [Redacted] | 59 |  | A | A C | C | A | A | N/A C | N/A | N/A | A | A | N/A | A |

---

## Exhibit 99.4

**Exhibit 99.4**

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| |
|:---|
| ![](ex99-4_001.jpg) |
| **Valuation Report** |
| **Run Date - 4/13/2026 2:27:03 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [Redacted] | [Redacted] | [Redacted] | 1 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.90 |
| [Redacted] | [Redacted] | [Redacted] | 2 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 4 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 5 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 6 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 7 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 8 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 9 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 10 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 11 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 12 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redacted] | [Redacted] | [Redacted] | 13 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 14 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 15 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 16 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 17 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 18 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 19 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.90 |
| [Redacted] | [Redacted] | [Redacted] | 20 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 21 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 22 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 23 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 24 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 25 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 26 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redacted] | [Redacted] | [Redacted] | 27 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 28 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 29 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 30 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 31 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  | -2.060% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.060% |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 32 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 33 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 34 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 35 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 36 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  | 2.800% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.800% |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 37 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 3.750% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 38 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 39 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 40 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  | 9.030% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.030% |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 41 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  | -4.610% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.610% |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 42 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 43 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 44 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 45 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  | -3.070% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.070% |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 46 |  |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 47 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 48 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redacted] | [Redacted] | [Redacted] | 49 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 50 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 51 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 52 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 53 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 54 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redacted] | [Redacted] | [Redacted] | 55 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 56 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.820% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 57 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  | 4.420% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.420% |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 58 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.550% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 59 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |

---

## Exhibit 99.5

**Exhibit 99.5**

---

| |
|:---|
| ![](ex99-5_001.jpg) |
| **Data Compare Summary (Total)** |
| **Run Date - 4/13/2026 4:50:15 PM** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Street | 0 | 59 | 0.00% | 59 |
| City | 2 | 59 | 3.39% | 59 |
| State | 0 | 59 | 0.00% | 59 |
| Zip | 1 | 59 | 1.69% | 59 |
| Borrower First Name | 3 | 59 | 5.08% | 59 |
| Borrower Last Name | 10 | 59 | 16.95% | 59 |
| Original Loan Amount | 0 | 59 | 0.00% | 59 |
| Original Interest Rate | 0 | 58 | 0.00% | 59 |
| Representative FICO | 6 | 58 | 10.34% | 59 |
| Property Type | 1 | 59 | 1.69% | 59 |
| Lien Position | 0 | 58 | 0.00% | 59 |
| Occupancy | 0 | 59 | 0.00% | 59 |
| Purpose | 0 | 59 | 0.00% | 59 |
| Doc Type | 44 | 58 | 75.86% | 59 |
| Appraised Value | 3 | 59 | 5.08% | 59 |
| # of Units | 0 | 58 | 0.00% | 59 |
| Original CLTV | 2 | 59 | 3.39% | 59 |
| Original LTV | 0 | 59 | 0.00% | 59 |
| Investor: Qualifying Housing Ratio | 53 | 54 | 98.15% | 59 |
| Borrower Citizenship | 3 | 58 | 5.17% | 59 |
| Coborrower Citizenship | 17 | 58 | 29.31% | 59 |
| Coborrower First Name | 3 | 18 | 16.67% | 59 |
| Coborrower Last Name | 3 | 18 | 16.67% | 59 |
| Borrower Current Street | 0 | 1 | 0.00% | 59 |
| Borrower Current City | 0 | 1 | 0.00% | 59 |
| Borrower Current State | 0 | 1 | 0.00% | 59 |
| Borrower Current Zip | 1 | 1 | 100.00% | 59 |
| Mortgage Type | 1 | 1 | 100.00% | 59 |
| Origination Channel | 0 | 1 | 0.00% | 59 |
| Product Description | 1 | 1 | 100.00% | 59 |
| Universal Loan Identifier (ULI) | 0 | 1 | 0.00% | 59 |
| **Total** | **154** | **1271** | **12.12%** | **59** |

---

## Exhibit 99.6

**Exhibit 99.6**

---

| |
|:---|
| ![](ex99-6_001.jpg) |
| **ASF Addendum - Business Purpose** |
| **Run Date - 4/13/2026 2:27:05 PM** |

---

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| [Redacted] | [Redacted] | [Redacted] | 13 |  |  |  |  |  | No |  |  |  |  |  |  |  | $7895.57 |  | 0.470594 |  |  |  |  |  | $7895.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $765.49 | $98.58 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | 2.75 |  |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 5-Stated/Verified as defined | Classic | 06/24/2025 | 727 | Fair Isaac (VER. 2) | 774 | FICO Classic V5 Facta | 769 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redacted] | [Redacted] | [Redacted] | 14 |  |  |  |  |  | No |  |  |  |  |  |  |  | $4401.07 |  | 0.440896 |  |  |  |  |  | $4401.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $342.27 | $90.50 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 07/11/2025 | 722 | Fair Isaac (VER. 2) | 735 | FICO Classic V5 Facta | 722 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redacted] | [Redacted] | [Redacted] | 22 |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3595.15 |  | 0.495721 |  |  |  |  |  | $3595.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $519.39 | $114.67 | Level 1-Not Stated/Not Verified |  |  |  | No | No |  |  | 4.01 | US Citizen |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 08/25/2025 | 767 | Fair Isaac (VER. 2) | 787 | FICO Classic V5 Facta | 749 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redacted] | [Redacted] | [Redacted] | 26 |  |  |  |  |  | No |  |  |  |  |  |  |  | $17721.67 |  | 0.390425 |  |  |  |  |  | $17721.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1710.03 | $103.81 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 4.01 |  |  | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 09/24/2025 | 786 | Fair Isaac (VER. 2) | 786 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redacted] | [Redacted] | [Redacted] | 34 |  |  |  |  |  | No |  |  |  |  |  |  |  | $6742.70 |  | 0.493235 |  |  |  |  |  | $6742.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1186.12 | $153.08 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 12.72 | US Citizen |  | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 08/18/2025 | 777 | Fair Isaac (VER. 2) | 749 | FICO Classic V5 Facta | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redacted] | [Redacted] | [Redacted] | 38 |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $8312.89 |  | 0.459591 |  |  |  |  |  | $8312.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1028.54 | $194.17 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 2.93 | US Citizen |  | 706 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | 08/26/2025 | 735 | Fair Isaac (VER. 2) | 706 | FICO Classic V5 Facta | 687 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redacted] | [Redacted] | [Redacted] | 39 |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $8643.61 |  | 0.224672 |  |  |  |  |  | $8643.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $806.46 | $190.62 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 4.96 | US Citizen |  | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 08/26/2025 | 753 | Fair Isaac (VER. 2) | 752 | FICO Classic V5 Facta | 751 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 4 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redacted] | [Redacted] | [Redacted] | 46 |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3237.06 |  | 0.222856 |  |  |  |  |  | $3237.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $850.26 | $292.54 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 4.71 | US Citizen |  | 790 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/15/2025 | 790 | Fair Isaac (VER. 2) | 787 | FICO Classic V5 Facta | 801 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redacted] | [Redacted] | [Redacted] | 54 |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $15801.47 |  | 0.489498 |  |  |  |  |  | $15801.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $2565.58 | $923.46 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 4.77 | US Citizen | US Citizen | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/11/2025 | 798 | Fair Isaac (VER. 2) | 776 | FICO Classic V5 Facta | 788 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/11/2025 | 781 | Fair Isaac (VER. 2) | 767 | FICO Classic V5 Facta | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_001.jpg)

**NARRATIVE**

**DRMT 2026-CES1**

**By Canopy Financial Technology Partners LLC on April 14, 2026**

Canopy Financial Technology Partners LLC

<u>chweeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

![](ex99-7_001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Sutton Funding LLC (the "Client") or its affiliated company. The Review was conducted from March 2025 to January 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of forty-three (43) Loans with an aggregate principal balance of $12,442,666.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); DBRS, Inc.

**Data Integrity**

Canopy performed a data comparison review of the data fields provided by the Client on the loan tape to the data found in the actual Loan File as captured by Canopy. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** |  |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |

---

![](ex99-7_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| Qualifying Total Debt Income Ratio (if applicable) | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

Canopy reviewed each Loan File to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria or other requirements provided by the Client, including, as applicable, Ability to Repay (ATR) and Qualified Mortgage (QM) requirements. The Credit Qualification review consisted of the following:

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

![](ex99-7_001.jpg)

**Credit Application:** For the Credit Application (1003), Canopy verified whether

· All known borrower-owned properties are disclosed on the REO Section;

· Borrower(s) employment history;

· Citizenship and eligibility;

· First time home buyer status;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

· A credit report or alternative credit history as applicable to loan type is present for each borrower;

· Bankruptcy and foreclosure seasoning;

· Capture the monthly consumer debt payments for use in the applicable DTI calculation;

· Installment and revolving payment history;

· Mortgage/rental payment history;

· Note and research the Real Estate Owned, OFAC, and Fraud alerts;

· Number of tradelines; and

· Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters; and/or

· IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

![](ex99-7_001.jpg)

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

· OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

· Depository account statements;

· Gift funds;

· Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

· Stock or security account statements; and/or

· VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

· Confirmed that the flood certification is for the correct borrower, property, lender and loan number and is a "Life of Loan"
certification;

· Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns;"

· Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

· For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines;

· For properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file
and met the minimum required amount of coverage in the guidelines;

· Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and that taxes are current; and

· Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines.

**Automated Underwriting System Findings:** N/A

![](ex99-7_001.jpg)

**Document Review**

Canopy reviewed each Loan File and verified if the following documents, as applicable, were included in the file and if the data on these documents was consistent (where applicable):

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

· Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section herein;

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD); and

· Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation (when applicable)**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

![](ex99-7_001.jpg)

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy's review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

(i) **Anti-Predatory Lending** requirements, that are imposed by federal, state and/or local statutory, regulatory or authoritative
determinations (e.g. state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or
criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including HOEPA and any state and
local high-cost home loan laws. Assignee shall have the meaning as defined in TILA;

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by
Regulation Z, 12 C.F.R. Part 1026;

(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C. §2603, as implemented by Regulation
X, 12 C.F.R. Part 1024; and

(iv) the **Equal Credit Opportunity Act** ("ECOA") **, 15 U.S.C.** §1691 as implemented by Regulation B, 12 C.F.R.
§1001.1(b).

![](ex99-7_001.jpg)

**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review of the following documents as they related to regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note, including all addendums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Copy of note for any junior liens (if applicable);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage / Deed of Trust, including all riders;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial, Interim, and Final Loan Estimates ("LE");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to
consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice of Right to Cancel (as applicable);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA Disclosures (if applicable); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial Escrow Account Disclosure.

**II.** **Anti-Predatory Lending (Assignee Liability)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loans were reviewed for violations of federal, state & local high cost,
higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any loan that
is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar
classification/definition was reported.

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to
determine compliance with the following requirements of TILA and Regulation Z, including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and
CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations,
proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation of disclosed APR
and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required
timeframes. Testing will be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID
Grid 4.0");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel, including
a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required
parties, verifying the disbursement date and
determining if a full three (3) day rescission period was adequately provided to the borrower(s). The appropriate Model Form will be tested
according to applicable U.S. Court of Appeals, Circuit Court rulings; and

![](ex99-7_001.jpg)

**Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review
to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA
disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of
Homeownership Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance
with the January 18, 2014 requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business
days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable
waiver. The disclosure of the right to receive a copy of appraisals may be met by the disclosure on the Loan Estimate pursuant to 12 CFR
§ 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance
with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant,
as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory Arbitration – Canopy will report mandatory arbitration provisions
present in the Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single Premium Credit Insurance – Canopy will report single premium credit insurance policies or
debt cancellation agreements present in the Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR will test for state prepayment and late charge restrictions. If a prepayment
penalty that exceeds the state permitted penalty has expired, this must be reported.

**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

· Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

· California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

![](ex99-7_001.jpg)

· California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq.

· Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible
Lending and Economic Security Act, Conn. House Bill 5577 (2008).

· Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

· District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as
implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

· Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361
and as modified by Senate Bill 03-53).

· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1
et seq. (2004).

· Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

· City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440;
2-32-455; 2-92-325; 4-4-155; 8-4-325.

· Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois
SB 1167 (2007).

· Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

· Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

· Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat.
§ 360.100 et seq.

· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann.
§§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

· Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended
by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

· Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender
Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

· Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387
(2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).

· Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et
seq.

· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

· Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as
amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

· Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

· Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. §
598D.010 et seq.

· New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

· New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. §
58-21A-1 et seq.

· New York High-Cost Home Loan Regulations (1A - Original Part 41), 3 NYCCR Part 41 (2001).

· New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L.
Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

![](ex99-7_001.jpg)

· New York Subprime Home Loans, NY Bank. Law § 6-m.

· North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina
Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) as amended.

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules
§ 109 4-3-01 et seq.

· City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§
201.01 et seq.

· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

· Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

· City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

· Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as
implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

· South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

· South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

· Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

· Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

· The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas
Constitution

· Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

· Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

· Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

· Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§
6.1-413; 6.1-422, 6.1-428.

· Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§
6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

· Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

· West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

· Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

· Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

![](ex99-7_001.jpg)

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency as permitted under the QM final rule, Canopy reviews the loan to determine whether, based on available information in the Loan File the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Canopy then determines whether the loan is a Safe Harbor QM or Rebuttable Presumption QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

***Ability to Repay (ATR)***

Canopy reviews the loan to determine whether, based on available information in the Loan File, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Note: for loans designated as QM – Agency eligible (QM – Temporary), Canopy will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Canopy reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Canopy does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Canopy's review is based on information contained in the Loan File at the time it is provided to Canopy to review, and only reflects information as of that point in time.

**VALUATION REVIEW**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

![](ex99-7_001.jpg)

· With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser's license,
and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

· With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within
the original appraisal.

***Independent third-party values***

Canopy applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

· If the Desk Review supported the origination appraised value within a -10% variance, no additional products
were required.

· In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten
percent (-10%) variance, a field review was ordered to further establish value.

**Agency Eligible Loans:**

· For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review was required based on market acceptance of Agency Eligible Loans.

· For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E.

![](ex99-7_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;**D** | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;**D** | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |

---

![](ex99-7_001.jpg)

**C** The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms

**D** The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 9.30% (4 Loans) have an overall grade of "B" and 90.70% (39 Loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 9.30%, or four (4) loans reviewed, and 90.70% (39 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 0.00%, or zero (0) loans reviewed, and 100.00% (43 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.00%, or zero (0) loans reviewed, 81.40% (35 loans) have a Property/Valuation grade of "A", and 18.60% (8 loans) have a Property/Valuation grade of "NA".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;39 | &nbsp;&nbsp;90.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;9.30% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** |

---

![](ex99-7_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;39 | &nbsp;&nbsp;90.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;9.30% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;35 | &nbsp;&nbsp;81.40% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;8 | &nbsp;&nbsp;18.60% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12442666.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12442666.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12442666.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12442666.00** |

---

![](ex99-7_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;$129000.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;42 | &nbsp;&nbsp;97.67% | &nbsp;&nbsp;$12313666.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12442666.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;$65000.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.98% | &nbsp;&nbsp;$1015546.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;39 | &nbsp;&nbsp;90.70% | &nbsp;&nbsp;$11362120.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12442666.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;37 | &nbsp;&nbsp;86.05% | &nbsp;&nbsp;$10622826.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;$400000.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;5 | &nbsp;&nbsp;11.63% | &nbsp;&nbsp;$1419840.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12442666.00** |

---

![](ex99-7_001.jpg)

**DATA COMPARISON RESULTS**

Of the forty-three (43) Loan files reviewed, thirteen (13) unique loans (30.23% by number) had eighteen (18) tape comparison discrepancies across eight (8) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;B1 Credit Report Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;43 | &nbsp;&nbsp;4.65% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;43 | &nbsp;&nbsp;13.95% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No | &nbsp;&nbsp;5 | &nbsp;&nbsp;43 | &nbsp;&nbsp;11.63% |

---

![](ex99-7_001.jpg)

**Disclaimer**

*Canopy Financial Technology Partners, LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).* 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.* 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.* 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.*

## Exhibit 99.8

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 220230 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 296279 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 861383 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 552963 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 657351 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 274916 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 642078 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 345347 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| 699135 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 311909 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 172266 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 210390 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 537845 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 163582 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 581940 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 728604 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 800999 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 668592 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 769222 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 851704 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 393589 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 651183 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 217145 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 417628 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 481734 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 453612 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 347799 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 750727 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 539606 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 879060 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 807879 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 721415 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 379680 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 359711 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 595604 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 829001 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 339695 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 766182 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 603638 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 687299 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 507087 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 753513 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 139027 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.9

**Exhibit 99.9**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Property Loan Grades DBRS** | **Final Property Loan Grades DBRS** |
| 220230 |  |  | xxx B A | NA B | NA B |
| 296279 |  |  | xxx A | NA C | NA |
| 861383 |  |  | xxx D A | A D | A |
| 552963 |  |  | xxx C A | A C | A |
| 657351 |  |  | xxx D A | A D | A |
| 274916 |  |  | xxx A | A | A |
| 642078 |  |  | xxx A | NA | NA |
| 345347 |  |  | xxx A | NA | NA |
| 699135 |  |  | xxx A | A | A |
| 311909 |  |  | xxx A | A | A |
| 172266 |  |  | xxx D A | A D | A |
| 210390 |  |  | xxx D C | D A | A |
| 537845 |  |  | xxx A | A | A |
| 163582 |  |  | xxx A | A | A |
| 581940 |  |  | xxx A | A | A |
| 728604 |  |  | xxx B A | A B | A B |
| 800999 |  |  | xxx D A | A D | A |
| 668592 |  |  | xxx A | A | A |
| 769222 |  |  | xxx A | A | A |
| 851704 |  |  | xxx A | A | A |
| 393589 |  |  | xxx B A | A B | A B |
| 651183 |  |  | xxx D A | A D | A |
| 217145 |  |  | xxx D A | NA D | NA |
| 417628 |  |  | xxx D A | A D | A |
| 481734 |  |  | xxx D A | A D | A |
| 453612 |  |  | xxx D A | A D | A |
| 347799 |  |  | xxx D A | A D | A |
| 750727 |  |  | xxx D A | A D | A |
| 539606 |  |  | xxx D A | A D | A |
| 879060 |  |  | xxx A | A | A |
| 807879 |  |  | xxx A D | A D | A |
| 721415 |  |  | xxx D A | A D | A |
| 379680 |  |  | xxx A | A | A |
| 359711 |  |  | xxx A | NA | NA |
| 595604 |  |  | xxx D C | N/A D | N/A |
| 829001 |  |  | xxx A | A | A |
| 339695 |  |  | xxx A | A | A |
| 766182 |  |  | xxx A | A | A |
| 603638 |  |  | xxx A | A | A |
| 687299 |  |  | xxx C A | A C | A |
| 507087 |  |  | xxx D A | NA D | NA |
| 753513 |  |  | xxx B A | A B | A B |
| 139027 |  |  | xxx D | D A | A |

---

## Exhibit 99.10

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 220230 |  | B A | Closed | FCRE8201 | 2025-03-17 09:31 | 2025-03-19 09:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Manager Notes: Exception approved for subject property in "rent control" area. Subject is governed by rent stabilization under the tenant protection act which does allow for annual rent increases. This transaction is also qualified with full PITIA, no rent from subject or other investment was used so amount of annual increases does not impact qualification. Borrower is experienced investor, has excellent credit, xxx score, and residual income > $xxx. - Due Diligence Vendor-03/17/2025 |  | Waived-Manager Notes: Exception approved for subject property in "rent control" area. Subject is governed by rent stabilization under the tenant protection act which does allow for annual rent increases. This transaction is also qualified with full PITIA, no rent from subject or other investment was used so amount of annual increases does not impact qualification. Borrower is experienced investor, has excellent credit, xxx score, and residual income > $xxx. - Due Diligence Vendor-03/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.67 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.67 Years | Fico is xxx. All accounts are paid AA. Residual income of $xxx+ |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 296279 |  | C A | Closed | FPRO1137 | 2025-03-19 14:46 | 2025-03-21 08:07 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Lender provided additional information but also located on xxx license website. xxx website does not have older information. - Due Diligence Vendor-03/21/2025 <br> Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Please see the attached screenshot confirming that the license was valid through xxx and the appraisal was completed on xxx. This confirms validity and has no impact on the valuation. Kindly clear this finding. - Buyer-03/20/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Searched in appraiser. xxx site cannot find an earlier effective date for appraiser. - Due Diligence Vendor-03/19/2025 |  | Resolved-Lender provided additional information but also located on xxx license website. xxx website does not have older information. - Due Diligence Vendor-03/21/2025 <br> Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-03/21/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.87 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 861383 |  | D A | Closed | FCRE1334 | 2025-06-03 15:08 | 2025-06-06 13:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. signed 4506 - Buyer-06/04/2025 <br>Open-Borrower 1 Executed 4506-T Missing Transcripts in file, however 4506 is missing. - Due Diligence Vendor-06/03/2025 |  | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-06/06/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.38 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 78.23% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 552963 |  | C A | Closed | FVAL3825 | 2025-08-26 10:10 | 2025-09-02 08:23 | Resolved | 1 - Information C A | Credit | Missing Doc | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. PDI attached - Buyer-08/29/2025 <br> Open-Subject is in FEMA declared disaster area. Appraisal was completed after appraisal was completed xxx and Disaster was declared xxx for the xxx XXXX. - Due Diligence Vendor-08/26/2025 |  | Resolved-PDI with Images stating Free and clear of disaster related damage was provided. - Due Diligence Vendor-09/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.4% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.5 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 657351 |  | D A | Closed | FCRE5782 | 2025-09-15 16:33 | 2025-09-17 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. credit refresh - Buyer-09/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/15/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/17/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.22% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.63 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 40.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 274916 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 642078 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 345347 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 699135 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 311909 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 172266 |  | D A | Closed | FCRE1197 | 2025-10-03 02:51 | 2025-10-08 11:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-Audited FICO of is less than Guideline FICO of xxx Borrower 1 Credit Report is missing. Min score will have to be verified to meets guides once it is recieved - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-10/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 172266 |  | D A | Closed | FCRE2109 | 2025-10-07 12:00 | 2025-10-08 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. - Seller-10/07/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Lenders income wksheet is missing from file - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 172266 |  | D A | Closed | FCRE5770 | 2025-10-03 02:54 | 2025-10-08 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. - Seller-10/07/2025 <br>Open-Borrower 1 Credit Report is Missing. Credit report used to qualify is missing from file (gap credit is in file and validated) - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 210390 |  | D A C | Closed | FCRE1347 | 2025-10-10 11:14 | 2025-10-14 12:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. verbal done on xxx for b 2 see attached - Seller-10/13/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 (xxx) 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. verbal done on xxx for b 2 see attached - Seller-10/13/2025 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/14/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.25 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.17 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 210390 |  | D A C | Closed | FPRO1242 | 2025-10-06 20:26 | 2025-10-13 09:09 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. appraisal - Buyer-10/10/2025 <br>Open-Appraisal is Missing. - Due Diligence Vendor-10/07/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-10/13/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.25 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.17 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 210390 |  | D A C | Closed | finding-47 | 2025-10-07 01:26 | 2025-10-13 07:45 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/13/2025 <br> Resolved- - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. pccd - Seller-10/10/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-10/10/2025 <br> Open- - Due Diligence Vendor-10/10/2025 <br> Open- - Due Diligence Vendor-10/10/2025 <br> Open- - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. pccd - Seller-10/10/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/13/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.25 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.17 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 537845 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 163582 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 581940 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 728604 |  | B A | Closed | FCRE1254 | 2025-10-27 14:46 | 2025-10-27 14:46 | Waived | 2 - Non-Material B | Credit | Title | Property Title Issue | Waived-Property Title Issue Exception for Senior lien not appearing on credit report and deferred balance<br> from mod in xxx may remain open. Meets investor guideines (Ll exception).<br> A VOM for senior lien is required and new loan term cannot exceed 25 years due to<br> 1st lien maturity date of xxx . - Due Diligence Vendor-10/27/2025 |  | Waived-Property Title Issue Exception for Senior lien not appearing on credit report and deferred balance<br> from mod in xxx may remain open. Meets investor guideines (Ll exception).<br> A VOM for senior lien is required and new loan term cannot exceed 25 years due to<br> 1st lien maturity date of xxx . - Due Diligence Vendor-10/27/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.31 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.30 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | -Reserves - 61 months in file<br> - Dti 16%<br> - Total Ltv for loan under 70% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 800999 |  | D A | Closed | FCRE1326 | 2025-10-27 05:19 | 2025-11-03 08:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/30/2025 <br>Counter-Condition is for Missing the P&L statement completed by CPA, the document provided appears to be a P&L income worksheet. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. p & l attached - Buyer-10/28/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing - Due Diligence Vendor-10/27/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-11/03/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.9% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 668592 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 769222 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851704 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 393589 |  | B A | Closed | FCRE1195 | 2025-11-03 06:53 | 2025-11-03 13:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 79.29% exceeds Guideline CLTV of 75% Lender exception in file for LTV based on xxx credit score - Due Diligence Vendor-11/03/2025 |  | Waived-Audited CLTV of 79.29% exceeds Guideline CLTV of 75% Lender exception in file for LTV based on xxx credit score - Due Diligence Vendor-11/03/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.18 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | None listed |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 651183 |  | D A | Closed | FCRE2109 | 2025-11-10 05:18 | 2025-11-11 09:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. P & L worksheet - Buyer-11/10/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary P&L income worksheet for B1 income from xxx and xxx supporting no less than $xxx is missing from file - Due Diligence Vendor-11/10/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.77 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 217145 |  | D A | Closed | FCRE1503 | 2025-11-10 11:02 | 2025-11-12 08:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-REO mortgage statements provided. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. MORTGAGE STATMENTS ATTACHED - Seller-11/11/2025 <br> Open-For The Following Properties Mortgage Statements are Missing<br> \* xxx<br> \*xxx<br> \* xxx<br> \*xxx<br> \*xxx<br> \*xxx - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. MORTGAGE STATMENTS ATTACHED - Seller-11/11/2025<br>| Resolved-REO mortgage statements provided. - Due Diligence Vendor-11/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 217145 |  | D A | Closed | FCRE1815 | 2025-11-09 18:12 | 2025-11-12 08:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Entity documents provided - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. CORP DOCUMENTS ATTACHED - Seller-11/11/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN for xxx - Due Diligence Vendor-11/09/2025 | Ready for Review-Document Uploaded. CORP DOCUMENTS ATTACHED - Seller-11/11/2025<br>| Resolved-Business Entity documents provided - Due Diligence Vendor-11/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 217145 |  | D A | Closed | FCRE1145 | 2025-11-08 06:26 | 2025-11-12 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Title Documents - Seller-11/11/2025 <br>Open-Title Document is missing - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. Title Documents - Seller-11/11/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-11/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 417628 |  | D A | Closed | FCRE7497 | 2025-11-11 08:49 | 2025-11-12 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Note, Tax Cert & HOI provided. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. note & payment letter from loan @ xxx loan # xxx. also included PITIA from file .. to show payoff taxes and insurance info - Buyer-11/12/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property. xxx (xxx # xxx). - Due Diligence Vendor-11/11/2025 |  | Resolved-Note, Tax Cert & HOI provided. - Due Diligence Vendor-11/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.24 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.24 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 50.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 481734 |  | D A | Closed | FCRE1157 | 2025-11-10 01:16 | 2025-11-12 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. HOI attached - Buyer-11/12/2025 <br>Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-11/10/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/12/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.45 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 31.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Borrower At Current Residence For Five (5) Or More Years - 16.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 453612 |  | D A | Closed | FCRE5116 | 2025-11-18 06:21 | 2025-11-20 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Current 12 month 0x30 mortgage history from xxx Acct #xxx is required. TPR verified the current mtg is in non-borrowing spouses name only and not reporting on credit. The only supporting mtg document is under doc pg #365. This only supports xxx payment was made on time. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-11/20/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 453612 |  | D A | Closed | FCRE1254 | 2025-11-17 08:14 | 2025-11-20 09:37 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Satisfaction uploaded - Seller-11/19/2025 <br> Open-Property Title Issue Per title under doc pg #460 / #7 reflects that borrowers non signing spouse (Who has been in title since xxx) has a judgment in favor of xxx. recorded in Official Records Book xxx, Page xxx. Supporting documentation that this has been paid and released, removed from title is missing from file (Per title this needs to be resolved). There is a xxx under doc pg #xxx reflecting 0 judgments or liens against the borrower. The lien on title reflected under #7 will not reflect on this as the lien is in spouses name (whose is and has been title holder) - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Satisfaction uploaded - Seller-11/19/2025<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/20/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 453612 |  | D A | Closed | FCRE1158 | 2025-11-17 06:39 | 2025-11-20 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard insurance policy is missing from file. Policy for xxx supporting minimum coverage of coverage of $xxx is required - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/20/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 453612 |  | D A | Closed | FCRE1164 | 2025-11-18 06:03 | 2025-11-20 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Missing Flood Insurance Policy Flood insurance policy is missing from file. Policy for xxx supporting sufficient coverage is required - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-11/20/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 347799 |  | D A | Closed | FCRE5783 | 2025-11-19 21:04 | 2025-11-21 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. both borrowers are included only 1 borrower prints on page - Buyer-11/20/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-11/20/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/21/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 30.34% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 750727 |  | D A | Closed | FCRE1764 | 2025-11-24 14:57 | 2025-11-26 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved- - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. 1st mortgage docs attached - Seller-11/26/2025 <br> Open-Missing confirmation for the first mortgage payment terms for xxx acct xxx. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. 1st mortgage docs attached - Seller-11/26/2025<br>|  | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.41 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 40.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 750727 |  | D A | Closed | FCRE1182 | 2025-11-22 01:47 | 2025-11-26 09:45 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. 1008 attached - Seller-11/26/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/22/2025 | Ready for Review-Document Uploaded. 1008 attached - Seller-11/26/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/26/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.41 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 40.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 750727 |  | D A | Closed | FCRE1193 | 2025-11-24 14:56 | 2025-11-26 09:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 29.82% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/26/2025 <br>Open-Missing the Final 1008 to determine what the cause of the DTI variance. - Due Diligence Vendor-11/24/2025 |  | Resolved-Audited DTI of 29.82% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/26/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.41 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 40.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 539606 |  | D A | Closed | FCRE7497 | 2025-11-24 15:17 | 2025-12-04 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. page 1 of appraisal for xxx to shows no hoa and no dues. also included hazard policy. - Buyer-12/03/2025 <br> Counter-Missing the hazard insurance invoice or other document showing amount of insurance costs for xxx. Also any HOA fee. The 1008 would be a good summary. - Due Diligence Vendor-11/28/2025 <br> Ready for Review-Document Uploaded. attached - Buyer-11/26/2025 <br> Open-missing PITIA for xxx - Due Diligence Vendor-11/24/2025 |  | Resolved-REO documents provided - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.45% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.04 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 879060 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 807879 |  | D A | Closed | FCOM1220 | 2025-12-12 19:37 | 2025-12-18 09:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/17/2025 <br> Open-The Deed of Trust is Missing fully executed and dated Note for xxx reflecting a loan amount of $xxx, rate of 9.75%, 360 term and payment of $xxx. There is no prepay or any other riders attached required - Due Diligence Vendor-12/13/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/18/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.67 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 807879 |  | D A | Closed | FCOM1206 | 2025-12-12 19:35 | 2025-12-18 08:59 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/17/2025 <br> Open-The Note is Missing Fully executed and dated Note for xxx reflecting a loan amount of $xxx, rate of 9.75%, 360 term and payment of $xxx - Due Diligence Vendor-12/13/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-12/18/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.67 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 721415 |  | D A | Closed | FCRE1503 | 2025-12-22 12:54 | 2025-12-24 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-1st Lien Mortgage statement provided - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. Please find attached mortgage statement from XXXX mortgage for primary residence lien- We don't have mortgage statement from xx account as mortgage recently transferred from xxx to xxx. Account was transferred from xxx on xxx - Seller-12/23/2025 <br> Open-Missing mortgage statement for Primary residence first mtg lien with xx. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Please find attached mortgage statement from xxx for primary residence lien- We don't have mortgage statement from xxx account as mortgage recently transferred from xxx to xxx. Account was transferred from xxx on xxx - Seller-12/23/2025 | Resolved-1st Lien Mortgage statement provided - Due Diligence Vendor-12/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.17 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.3% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 379680 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 359711 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 595604 |  | D A C | Closed | FCRE5782 | 2025-12-30 10:22 | 2026-01-14 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-xxx uploaded shows dated ordered is xxx. Note date is xxx. Please have this waived. Thank you. - Buyer-01/13/2026 <br> Counter-Document Uploaded. Subject Loan is a 2nd Lien - Per Investor Guidelines: The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 30 days of the Note date. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Borrower has SSN and is US citizen. I believe you are using ITIN guidelines. Please have this cleared. Thank you. - Buyer-01/06/2026 <br> Open-Borrower 1 Gap Credit Report is Missing, initial credit report is 30 days after the Note date requiring a Gap credit report per guidelines that is not found in the file. - Due Diligence Vendor-12/30/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/14/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.22 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 595604 |  | D A C | Closed | finding-47 | 2025-12-30 15:59 | 2026-01-07 11:37 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/06/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-12/30/2025 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-01/07/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.22 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 595604 |  | D A C | Closed | FCRE1326 | 2025-12-31 09:34 | 2026-01-07 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-Borrower 1 YTD Profit & Loss Missing YTD P&L for XX is not found in the file - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-01/07/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.22 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 829001 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 339695 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 766182 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 603638 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 687299 |  | C A | Closed | FCRE1182 | 2026-01-12 13:22 | 2026-01-15 15:13 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-1008/Underwriting Summary Not Provided . Provide final 1008 for the subject property transaction as it was not provided at the time of review. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.47 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.56% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 687299 |  | C A | Closed | FCRE1292 | 2026-01-12 12:58 | 2026-01-15 15:13 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-Income 1 Months Income Verified is Missing . Provide 12 months business bank statements for xxx with xxx #xxx as used to qualify. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/15/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.47 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.56% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 507087 |  | D A | Closed | FCRE1316 | 2025-03-19 03:48 | 2025-03-26 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. - Seller-03/26/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/26/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.17 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.66 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 753513 |  | B A | Closed | FCRE8201 | 2025-09-18 11:37 | 2025-09-18 11:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception to waive housing history, as the CPA has attested that the business is covering the payments for the XX located at xxx;xxx. - Due Diligence Vendor-09/18/2025 |  | Waived-Exception to waive housing history, as the CPA has attested that the business is covering the payments for the XX located at xxx. - Due Diligence Vendor-09/18/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.96% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years | Payment shock less than 174.713%<br> Debt ratio of 38.240% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 753513 |  | B A | Closed | FCRE1726 | 2025-09-18 11:35 | 2025-09-18 11:35 | Waived | 2 - Non-Material B | Credit | Borrower | Potential Identity Issues identified in the file | Waived-Exception to allow expired driver license (exp xxx) prior to ECD xxx - Due Diligence Vendor-09/18/2025 |  | Waived-Exception to allow expired driver license (exp xxx) prior to ECD 9/8 - Due Diligence Vendor-09/18/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.96% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years | Payment shock less than 174.713%<br> Debt ratio of 38.240% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 139027 |  | D A | Closed | FPRO1242 | 2025-10-02 08:38 | 2025-11-13 12:52 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139027 |  | D A | Closed | FPRO1244 | 2025-10-16 13:43 | 2025-11-13 12:50 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-AVM provided - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Per UW manager the borrower has the right to have google blur out the picture of their home. We cannot ask the borrower to make an exeption. - Seller-11/11/2025 <br> Counter-The AVM needs to reflect a clear picture of the home. An AVM is what's required by Guidelines, - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Clear picture on this report - Seller-11/04/2025 <br> Counter-The AVM provided has the image of the Home blurred out, a picture of the home is required. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-this cannot be made any clearer and the address and 0 variance should be acceptable please clear - Seller-10/31/2025 <br> Counter-Document Uploaded. Provided the xxx report with a clear image of the Subject Property<br> - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Counter-The AVM provided does not reflect a confidence score. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Per Guidelines: Loan amounts > $xxx or Fico less than xxx or High-Priced Mortgage Loans (HPML) or CLTV > 70%<br> Full interior appraisal (Fannie Mae Form 1004, 1073 or 1025) & AVM - AVM supporting value within 10%. If the AVM variance is greater than 10%, the lower of the two is used to calculate CLTV/HCLTV - Due Diligence Vendor-10/16/2025 | Ready for Review-Per UW manager the borrower has the right to have xxx blur out the picture of their home. We cannot ask the borrower to make an exeption. - Seller-11/11/2025 <br> Ready for Review-Document Uploaded. Clear picture on this report - Seller-11/04/2025 <br> Ready for Review-this cannot be made any clearer and the address and 0 variance should be acceptable please clear - Seller-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 | Resolved-AVM provided - Due Diligence Vendor-11/13/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139027 |  | D A | Closed | FCRE7497 | 2025-10-07 12:06 | 2025-10-22 15:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statements provided (all escrowed) - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-Missing verification if PITIA for all 6 rental properties: xxx - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Mortgage statements provided (all escrowed) - Due Diligence Vendor-10/22/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139027 |  | D A | Closed | FCRE5770 | 2025-10-02 08:55 | 2025-10-16 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139027 |  | D A | Closed | FCRE1316 | 2025-10-02 08:48 | 2025-10-16 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139027 |  | D A | Closed | FCRE1325 | 2025-10-02 08:48 | 2025-10-16 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years | Borrower 1 CPA Letter Missing | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139027 |  | D A | Closed | FCRE1326 | 2025-10-02 08:48 | 2025-10-16 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139027 |  | D A | Closed | FCRE2109 | 2025-10-02 08:48 | 2025-10-16 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139027 |  | D A | Closed | FCRE1201 | 2025-10-02 08:41 | 2025-10-16 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139027 |  | D A | Closed | FCOM1252 | 2025-10-03 08:22 | 2025-10-16 09:00 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Initial Disclosure package and missing TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the initial LE and initial CD. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Initial Disclosure package and missing TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139027 |  | D A | Closed | FCOM4227 | 2025-10-03 08:24 | 2025-10-16 09:00 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Initial Disclosure package and missing TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the initial LE and initial CD. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Initial Disclosure package and missing TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139027 |  | D A | Closed | FCOM1477 | 2025-10-07 09:18 | 2025-10-16 08:17 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139027 |  | D A | Closed | FCOM5135 | 2025-10-07 09:18 | 2025-10-16 08:17 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-10/16/2025 <br>Open-Required Affiliated Business Disclosure Missing Affiliated Business Disclosure Missing - Due Diligence Vendor-10/07/2025 |  | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.77 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |

---

## Exhibit 99.11

**Exhibit 99.11**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 296279 |  |  | B1 Credit Report Date | xxx | xxx |
| 393589 |  |  | Escrow Flag | No | Yes |
| 595604 |  |  | Primary Appraised Property Value | xxx | xxx |
| 481734 |  |  | Property Address | xxx | xxx |
| 379680 |  |  | Property Address | xxx | xxx |
| 220230 |  |  | Property Type | Two to Four Unit | Single Family Attached |
| 668592 |  |  | Property Type | PUD | Detached |
| 417628 |  |  | Property Type | Two to Four Unit | Detached |
| 481734 |  |  | Property Type | Two to Four Unit | Detached |
| 359711 |  |  | Property Type | Condominium | Single Family Detached |
| 699135 |  |  | Qualifying Housing Debt Income Ratio | 22 | 24.38 |
| 595604 |  |  | Qualifying LTV | 34.88 | 39.08 |
| 220230 |  |  | Qualifying Total Debt Income Ratio | 43.53 | 45.79 |
| 642078 |  |  | Qualifying Total Debt Income Ratio | 26.41 | 24.35 |
| 699135 |  |  | Qualifying Total Debt Income Ratio | 33.83 | 39.64 |
| 750727 |  |  | Qualifying Total Debt Income Ratio | 29.82 | 27.61 |
| 359711 |  |  | Qualifying Total Debt Income Ratio | 47.55 | 44.70 |
| 507087 |  |  | Property Type | PUD | Single Family Detached |

---

## Exhibit 99.12

**Exhibit 99.12**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 220230 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 16.02 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 296279 |  |  | xxx | xxx | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.8 | 1 | 1 | N/A | 14.07 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 172266 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0.0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 39.63 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 217145 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0.0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 31.29 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 359711 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0.0 | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 6.9 | 1 | 1 | N/A | 50.58 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.13

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 220230 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 11.54 | 79.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 296279 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 35.46 | 79.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861383 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 13.48 | 78.23 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 552963 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 14.47 | 64.4 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 657351 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.83 | 53.22 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 274916 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.13 | 74.94 | xxx | xxx | -.0120 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0120 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 642078 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 42.16 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 345347 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.0 | 70.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 699135 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.06 | 30.12 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 311909 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.66 | 64.91 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 172266 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.68 | 75.03 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 210390 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.54 | 74.1 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 537845 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.97 | 68.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 163582 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.14 | 51.72 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 581940 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.38 | 69.13 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 728604 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.25 | 69.87 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 800999 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.25 | 49.9 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 668592 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.7 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 769222 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.06 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851704 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.96 | 40.11 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 393589 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.45 | 79.29 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 651183 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.54 | 74.64 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 217145 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 20.23 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx |  |  |  |  |  |  |  |  |  |  |  |
| 417628 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 51.72 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 481734 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 23.44 | 70.42 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 453612 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.82 | 79.43 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 347799 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.51 | 30.34 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 750727 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.32 | 85.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.6 | xxx |
| 539606 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.73 | 77.45 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 879060 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.86 | 52.64 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 807879 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.34 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 721415 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.88 | 59.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 2.5 | xxx |
| 379680 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.12 | 58.82 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 359711 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 13.05 | 32.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 595604 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.08 | 62.87 | xxx | xxx | -.1073 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.1073 | xxx | High Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 829001 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 43.32 | 79.89 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 339695 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.53 | 51.67 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 766182 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 43.91 | 74.97 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 603638 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.05 | 59.56 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 687299 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.92 | 64.56 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 507087 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 33.66 | 61.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 753513 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.14 | 69.18 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | REASONABLE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 139027 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.42 | 74.83 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 0.0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.14

**Exhibit 99.14**

![](ex99-14_001.jpg)

**Selene Diligence LLC ("Selene") Due<br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by RCF III TRS, LLC ("Client"). The review was conducted between November 19 2024 and March 17 2026, via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 714 Closed-End Second (CES) loan for a total of 714 CES loan the "Final Securitization Population".

*<u>Credit Reviews (714):</u>*

During the Review, Selene performed a credit review on 714 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (714)</u>*

During the Review, Selene performed a compliance review on 714 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (714):</u>*

During the Review, Selene performed a property valuation review on 714 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (714):</u>*

During the Review, Selene performed a Data Integrity Review on 714 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 714 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;714 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;714 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;714 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;714 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, and DBRS, Inc. ("DBRS") (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Deephaven Correspondent - Equity Advantage Guidelines, Flexpoint Closed End Second Guidelines, Quontic Bank Lite Doc Seconds Guidelines, ACC Mortgage Prime Guidelines, OCMBC Closed End Second (CES) Guidelines (the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **13**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine whether
funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **13**

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each received data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 714 mortgage loans, (ii) a Compliance Review on 714 mortgage loans (iii) a Valuation Review on 714 mortgage loans, and (iv) a Data Integrity Review on 714 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 714 mortgage loans; 647 mortgage loans had a rating grade of A, 67 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (714 overall loans):***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;238 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;A | &nbsp;&nbsp;647 | &nbsp;&nbsp;90.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.70% | &nbsp;&nbsp;B | &nbsp;&nbsp;67 | &nbsp;&nbsp;9.38% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;153 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;318 | &nbsp;&nbsp;44.54% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **13**

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;697 | &nbsp;&nbsp;97.62% | &nbsp;&nbsp;A | &nbsp;&nbsp;664 | &nbsp;&nbsp;93.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.38% | &nbsp;&nbsp;B | &nbsp;&nbsp;50 | &nbsp;&nbsp;7.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;423 | &nbsp;&nbsp;59.24% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;288 | &nbsp;&nbsp;40.34% |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page **5** of **13**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **13**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
 as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

Page **7** of **13**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and is
 a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the file
 meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and assigns";
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in the
 DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations have
been addressed in the loan file;

Page **8** of **13**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm
that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm the materiality
and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete, accurate,
 and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have been
 recorded or have been sent for recording.

Page **9** of **13**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the loan to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

Page **10** of **13**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains
 a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review
 for presence of mortgage loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on
 the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify
 the data against the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **11** of **13**

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the
 general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **13**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are
not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily
licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal
reviews" for purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **13** of **13**

## Exhibit 99.15

**Exhibit 99.15**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Kroll** | **S&P** | **Moodys** |
| xxxxxx4193 |  |  | XXXX D | C | C | C | C D B A | B | B | B | B |
| xxxxxx6837 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx5169 |  |  | XXXX C D | A | A | A | A D B | A | A | A | A B |
| xxxxxx2342 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx5616 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx6324 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx6820 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx6545 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7197 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx6822 |  |  | XXXX D | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| xxxxxx7206 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx7201 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7899 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx2888 |  |  | XXXX D A | N/A C | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7999 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx8245 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx8248 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx8252 |  |  | XXXX D C | A | A | A | A D B | A | A | A | A B |
| xxxxxx8286 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx8276 |  |  | XXXX C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx8256 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8254 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx8246 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx8247 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx8249 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx8253 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx8281 |  |  | XXXX D A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| xxxxxx8279 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx5334 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8283 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx8266 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx8271 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8268 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx8262 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8263 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8267 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx8242 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8264 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8269 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx6537 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx8251 |  |  | XXXX C A | N/A D | N/A | N/A | N/A C D B | N/A | N/A | N/A | N/A B |
| xxxxxx8240 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx8239 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8243 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx8237 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx8278 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx8270 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8287 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8530 |  |  | XXXX D A | N/A C | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| xxxxxx8696 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx8277 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx8285 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx8275 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx6704 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx6238 |  |  | XXXX D C | A | A | A | A D B | A | A | A | A B |
| xxxxxx8241 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx5838 |  |  | XXXX A C | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| xxxxxx6469 |  |  | XXXX A C | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| xxxxxx7976 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7625 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7849 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx8668 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx5751 |  |  | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7017 |  |  | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8783 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx6415 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx7981 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9555 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx5513 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8175 |  |  | XXXX A C | B | B | B | B C A | B | B | B | B |
| xxxxxx5524 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx5948 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx2845 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8459 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8081 |  |  | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9268 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx8168 |  |  | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7483 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9072 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxx7040 |  |  | XXXX C D | D | D | D | D B A | A | A | A | A B |
| xxxxxx9203 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8376 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7639 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8374 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx3793 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8405 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx6664 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9041 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8462 |  |  | XXXX C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx9373 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx5064 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx6715 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9377 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9443 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8398 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7171 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8968 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx2128 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8698 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx0268 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx0061 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8986 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx8497 |  |  | XXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx9258 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1114 |  |  | XXXX B A | A | A | A | A B | A | A | A | A B |
| xxxxxx1124 |  |  | XXXX B A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B |
| xxxxxx8502 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8096 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx0026 |  |  | XXXX C | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| xxxxxx1123 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx1392 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9096 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx6079 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9210 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx5087 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx3823 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx3217 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx1119 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx1120 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4730 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9795 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9649 |  |  | XXXX A | D | D | D | D A | A | A | A | A |
| xxxxxx0070 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8213 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8245 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9046 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx1359 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx8633 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9745 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8816 |  |  | XXXX D C | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| xxxxxx0477 |  |  | XXXX D C | N/A C | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1116 |  |  | XXXX C A | A | A | A | A C B | A | A | A | A B |
| xxxxxx1824 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0296 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx9224 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx1168 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8155 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx0115 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx3029 |  |  | XXXX C D | A | A | A | A D B | A | A | A | A B |
| xxxxxx0258 |  |  | XXXX C | A | A | A | A C | A | A | A | A |
| xxxxxx9335 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx6139 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9540 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx0033 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8654 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9763 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx0614 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7835 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0580 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8887 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx9049 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx9611 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0834 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx0984 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx5613 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx0282 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx7677 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8117 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx1044 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx8276 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx8676 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx1608 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx1707 |  |  | XXXX D A | N/A D | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| xxxxxx9271 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx2671 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0772 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx0477 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0472 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9511 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx8621 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx8511 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx1574 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx1064 |  |  | XXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx8469 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8220 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx9998 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx8851 |  |  | XXXX B D | A | A | A | A D B | A | A | A | A B |
| xxxxxx0531 |  |  | XXXX D | N/A C | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxx8567 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx0511 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0797 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx7383 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8381 |  |  | XXXX D B | A | A | A | A D B | A | A | A | A B |
| xxxxxx8867 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxx8367 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9353 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9400 |  |  | XXXX D C | A | A | A | A D B | A | A | A | A B |
| xxxxxx1060 |  |  | XXXX C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx4998 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx0204 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7476 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx1477 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx1271 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0756 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx3821 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx6593 |  |  | XXXX C | A | A | A | A C | A | A | A | A |
| xxxxxx1376 |  |  | XXXX D A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| xxxxxx1563 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx9469 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx1611 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx2642 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxx8450 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx1062 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx0241 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0401 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9496 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx6999 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1675 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx0532 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx8920 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxx7257 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0898 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8087 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx1598 |  |  | XXXX C A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| xxxxxx0732 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx0738 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx0737 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx0641 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx0734 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx1295 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx2082 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx9631 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0748 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx1628 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx9550 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx2272 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx2606 |  |  | XXXX D | C | C | C | C D A | A | A | A | A |
| xxxxxx8840 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxx8376 |  |  | XXXX D A | N/A D | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx3718 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx3493 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx1800 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx1602 |  |  | XXXX A | N/A D | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1279 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx2302 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx1380 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1923 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1210 |  |  | XXXX B A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B |
| xxxxxx1014 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1268 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx8901 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8895 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx8904 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8887 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx8909 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8890 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx8906 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9897 |  |  | XXXX D | A | A | A | A D B | A | A | A | A B |
| xxxxxx8898 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8903 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx2237 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx8891 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx8902 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx8883 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx2115 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1542 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx2434 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxx8394 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx6417 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx2829 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx3405 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx3041 |  |  | XXXX D C | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| xxxxxx0837 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx2110 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx2102 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx3196 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9597 |  |  | XXXX C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx3551 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx3549 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx2246 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx3047 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx4846 |  |  | XXXX D | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| xxxxxx3810 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxx7052 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxx8467 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8905 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx8884 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8910 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9625 |  |  | XXXX D | N/A C | N/A | N/A | N/A D | N/A B | N/A | N/A | N/A B |
| xxxxxx2944 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx0841 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx2326 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx2034 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx3181 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1010 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx2134 |  |  | XXXX D | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| xxxxxx1071 |  |  | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8889 |  |  | XXXX C A | A | A | A | A C B | A | A | A | A B |
| xxxxxx2120 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx9981 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx2125 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx1254 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9230 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1716 |  |  | XXXX C | N/A D | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A |
| xxxxxx1710 |  |  | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1718 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx3199 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx3049 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7503 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9863 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx3051 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx4092 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx2389 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx5806 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx1061 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx5813 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx5815 |  |  | XXXX D | N/A D | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx3368 |  |  | XXXX B D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx5803 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxx9731 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx4916 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx2021 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9104 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx2211 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx4138 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx4192 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx3857 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxx8460 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx2915 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4181 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx3869 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx3282 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx2233 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx2726 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx2557 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx3868 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx3095 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx2202 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx3340 |  |  | XXXX C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx4890 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx4046 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx9441 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx3814 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx2783 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx2739 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9119 |  |  | XXXX A C | A | A | A | A C B | A | A | A | A B |
| xxxxxx2152 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx4477 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9118 |  |  | XXXX D A | A | A | A | A D B | A | A | A | A B |
| xxxxxx9120 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx9127 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9122 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9131 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9123 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx9134 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx5855 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx9128 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9133 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9121 |  |  | XXXX C | A | A | A | A C B | A | A | A | A B |
| xxxxxx9126 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx9130 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx2261 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx5954 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx4791 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4100 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx6249 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx0538 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx4536 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx4652 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0612 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx5801 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx3456 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxx0041 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxx9960 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx2678 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx4877 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx3411 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx4593 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx4680 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx6359 |  |  | XXXX C A | C | C | C | C A | A | A | A | A |
| xxxxxx6775 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx4355 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx4357 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx3750 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx4349 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx4800 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx6917 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4812 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx5442 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9125 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx9129 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9115 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9124 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx7228 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx4285 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx9136 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx9117 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx2818 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx2817 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx4124 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx3553 |  |  | XXXX C D | A | A | A | A D B | A | A | A | A B |
| xxxxxx6143 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx5787 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9150 |  |  | XXXX C A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| xxxxxx9279 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx4696 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx6377 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx5556 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9278 |  |  | XXXX D | A | A | A | A D B | A | A | A | A B |
| xxxxxx9270 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9269 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7097 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx1360 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx9276 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx5924 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx6098 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx5953 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx5347 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx7485 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx6750 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx3947 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx6795 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx2125 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx5486 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7203 |  |  | XXXX A D | A | A | A | A D B | A | A | A | A B |
| xxxxxx6927 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx5050 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7828 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9364 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7572 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx8503 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx5066 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx6398 |  |  | XXXX A C | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| xxxxxx6989 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx6493 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx7411 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx6994 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx5876 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx5873 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx5091 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx7981 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx7064 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx6884 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx6491 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx6345 |  |  | XXXX C A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| xxxxxx7035 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx4550 |  |  | XXXX A D | A | A | A | A D B | A | A | A | A B |
| xxxxxx6337 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7844 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx9773 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx7645 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7696 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx2688 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx8293 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7638 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx8701 |  |  | XXXX A C | C | C | C | C A | A | A | A | A |
| xxxxxx9495 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx6225 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx7217 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx8420 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9492 |  |  | XXXX C A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| xxxxxx5712 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx4424 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx6739 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx9252 |  |  | XXXX D B | A | A | A | A D B | A | A | A | A B |
| xxxxxx9397 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8964 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8464 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxx8441 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9824 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx9498 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx3714 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxx1430 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx9485 |  |  | XXXX D A | A | A | A | A D B | A | A | A | A B |
| xxxxxx2936 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx3661 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx5701 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx5927 |  |  | XXXX C | A | A | A | A C | A | A | A | A |
| xxxxxx7926 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9258 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx9343 |  |  | XXXX A D | A | A | A | A D B | A | A | A | A B |
| xxxxxx5674 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx0466 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9143 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9840 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx6390 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7245 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx7789 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9541 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9537 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9535 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9536 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9300 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx9547 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9551 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx9392 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx9532 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx5875 |  |  | XXXX A | C | C | C | C A | B | B | B | B |
| xxxxxx6691 |  |  | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx4415 |  |  | XXXX A C | N/A C | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx9539 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9548 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9534 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9544 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxx8453 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx8740 |  |  | XXXX C A | A | A | A | A C B | A | A | A | A B |
| xxxxxx5333 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx8246 |  |  | XXXX D A | A | A | A | A D B | A | A | A | A B |
| xxxxxx9545 |  |  | XXXX C | A | A | A | A C B | A | A | A | A B |
| xxxxxx8089 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx3911 |  |  | XXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx9311 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9549 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9542 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx9533 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7219 |  |  | XXXX C | A | A | A | A C B | A | A | A | A B |
| xxxxxx4510 |  |  | XXXX A | N/A C | N/A | N/A | N/A C | N/A B | N/A | N/A | N/A B |
| xxxxxx9948 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx9337 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9377 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8584 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9546 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9257 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9042 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7350 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx7230 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0826 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx1622 |  |  | XXXX D A | A | A | A | A D B | A | A | A | A B |
| xxxxxx6272 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxx8470 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8972 |  |  | XXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx5410 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx8622 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9418 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx9441 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9118 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8959 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx1777 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx3073 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx8289 |  |  | XXXX C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx8824 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx6437 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxx9950 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx6541 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9482 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0669 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9946 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9510 |  |  | XXXX D A | A | A | A | A D B | A | A | A | A B |
| xxxxxx7724 |  |  | XXXX C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx9543 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9857 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx0025 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8654 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8202 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8896 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx7707 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx1938 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxx0237 |  |  | XXXX B A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B |
| xxxxxx8118 |  |  | XXXX C A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| xxxxxx1228 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0360 |  |  | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9329 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx8609 |  |  | XXXX A B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B |
| xxxxxx2930 |  |  | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8004 |  |  | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx9386 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx7604 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0185 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9720 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7176 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx8763 |  |  | XXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx0429 |  |  | XXXX D A | A | A | A | A D B | A | A | A | A B |
| xxxxxx1333 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx9491 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9496 |  |  | XXXX C | A | A | A | A C B | A | A | A | A B |
| xxxxxx0064 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx8161 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx1250 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx0306 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx8231 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx2064 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx7706 |  |  | XXXX C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx2371 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx2497 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx2490 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9845 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9141 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9840 |  |  | XXXX C A | A | A | A | A C B | A | A | A | A B |
| xxxxxx9842 |  |  | XXXX D A | A | A | A | A D B | A | A | A | A B |
| xxxxxx9846 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9843 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7708 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9142 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9849 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx9572 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9560 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx0968 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx0525 |  |  | XXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx0599 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx0117 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx1542 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx9198 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx6500 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx7651 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx7390 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx8315 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0619 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx9975 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx9143 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9618 |  |  | XXXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9479 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9440 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8772 |  |  | XXXX C | A | A | A | A C B | A | A | A | A B |
| xxxxxx9766 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9502 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx0176 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx1224 |  |  | XXXX A C | A | A | A | A C B | A | A | A | A B |
| xxxxxx0738 |  |  | XXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx8180 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx2598 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx1667 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9403 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx0515 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx7533 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx8854 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx0275 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9885 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9886 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9890 |  |  | XXXX C A | A | A | A | A C B | A | A | A | A B |
| xxxxxx9881 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9898 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9900 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9884 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9888 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx1893 |  |  | XXXX A D | N/A D | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9901 |  |  | XXXX C | A | A | A | A C | A | A | A | A |
| xxxxxx9899 |  |  | XXXX D | D | D | D | D A | A | A | A | A |
| xxxxxx9897 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9891 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx1235 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx5618 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9922 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9833 |  |  | XXXX C D | A | A | A | A D B | A | A | A | A B |
| xxxxxx2108 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9883 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx9893 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9876 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9894 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx9878 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0520 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx2978 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx2315 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx6351 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx9882 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx6039 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx0210 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx4151 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx6856 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx3057 |  |  | XXXX D | N/A D | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx9675 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx1425 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx2015 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx9484 |  |  | XXXX A C | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| xxxxxx2937 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx8158 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx0957 |  |  | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1500 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9173 |  |  | XXXX C | A | A | A | A C | A | A | A | A |
| xxxxxx1903 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx2137 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx2269 |  |  | XXXX C A | A | A | A | A C B | A | A | A | A B |
| xxxxxx4620 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx2182 |  |  | XXXX C | A | A | A | A C | A | A | A | A |
| xxxxxx9749 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx2118 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9727 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx4445 |  |  | XXXX D C | A | A | A | A D | A | A | A | A |
| xxxxxx4169 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx8201 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx7151 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4936 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4527 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx2460 |  |  | XXXX A D | A | A | A | A D | A | A | A | A |
| xxxxxx8143 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx1756 |  |  | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx0645 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4688 |  |  | XXXX C | A | A | A | A C | A | A | A | A |
| xxxxxx1050 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx9814 |  |  | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| xxxxxx2248 |  |  | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| xxxxxx3958 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0787 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx3363 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx4180 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4539 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx5800 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx5120 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx3040 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx3814 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx5088 |  |  | XXXX A C | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| xxxxxx4612 |  |  | XXXX D A | A | A | A | A D | A | A | A | A |
| xxxxxx5713 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4790 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx3649 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4490 |  |  | XXXX C D | A | A | A | A D | A | A | A | A |
| xxxxxx3637 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx5361 |  |  | XXXX C D | A | A | A | A D B | A | A | A | A B |
| xxxxxx3793 |  |  | XXXX C A | A | A | A | A C B | A | A | A | A B |
| xxxxxx5172 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4978 |  |  | XXXX C A | A | A | A | A C | A | A | A | A |
| xxxxxx5246 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx5575 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8085 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx5496 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx0730 |  |  | XXXX D | A | A | A | A D | A | A | A | A |
| xxxxxx4134 |  |  | XXXX A C | A | A | A | A C | A | A | A | A |
| xxxxxx0203 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx2282 |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx4331 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4953 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx4605 |  |  | XXXX C | A | A | A | A C | A | A | A | A |
| xxxxxx6854 |  |  | XXXX A | A | A | A | A | A | A | A | A |
| xxxxxx8274 |  |  | XXXX D C | D | D | D | D A | A | A | A | A |
| xxxxxx8036 |  | XXXX | XXXX D | A | A | A | A D | A | A | A | A |

---

## Exhibit 99.16

**Exhibit 99.16**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | xxxxxx4193 |  |  | Closed | 2024-11-21 03:35 | 2025-01-09 12:29 | Waived | 2 - Non-Material C B | Property | Appraisal | Missing Core Valuation Product | Waived- - Due Diligence Vendor-XX/XX/XXXX <br>Acknowledged-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Exception approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception to use AVM. Comp Factors - XXX FICO, XX mos reserves and XX% LTV - Buyer-XX/XX/XXXX <br>Counter-Need acceptable valuation product, if AVM is used FSD score must be over XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. AVM and PIR uploaded - Buyer-XX/XX/XXXX <br>Open-None of the Valuation entries contain core valuation types. AVM provided not met the FSD score requirement. Provide AVM with FSD score of >=XX%<br> (As per XXXXXXXXX ▪ AVM from an approved provider with acceptable FSD; Drive-by appraisal (Fannie Mae Form XXXX or XXXX) is acceptable) - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XX.XX XX.XXX_XXXXX_<br> XXXXXXXX XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXX_XXXXXXXXXX.XXX |  | XXX XXXX, XXX XXXXXXX<br> XX XXXXXX XXXXXXXX, X XXXXXXXX<br> XX% XXX, XX% XXXXXXX | XX | Investment | Refinance | Cash Out - Other | XX | Originator Post-Close | No |
| XXXX | xxxxxx4193 |  |  | Closed | 2024-11-21 04:26 | 2024-12-02 17:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. approved exception for DTI uploaded. - Seller-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% Audited DTI exceeds little over XX% DTI guideline requirement - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. approved exception for DTI uploaded. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXX.XXX |  | XXX XXXX, XXX XX XXX<br> XX XXX- XXX XX >XX | XX | Investment | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx4193 |  |  | Closed | 2024-11-21 00:58 | 2024-12-02 11:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Lender provided updated Final XXXXs for BX & BX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated XXXX uploaded - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete X) BX - Years in Employment less than line of work, BX bonus income calculated is X,XXX.XX matching with XXXX but XXXX shows$XXX.XX<br> X) BX - years in industry/line of work not completed, BX calculated income is $X,XXX.XX matching with XXXX but XXXX shows $X,XXX.XX<br> Provide updated XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated XXXX uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXX XXXXX XXX XX & XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4193 |  |  | Closed | 2024-11-21 06:49 | 2024-12-02 03:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Rent schedule not required since it is Non-DSCR file. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Schedule of Rents is not required as this is not a DSCR loan. Please rescind - Buyer-XX/XX/XXXX <br>Open-Provide rent schedule for two unit property-investment loan - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXX XXXXXXXX XXXXX XX XX XXX-XXXX XXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5169 |  |  | Closed | 2025-04-03 13:40 | 2025-04-14 16:22 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-PCCD with cure provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD uploaded for review. - Buyer-XX/XX/XXXX <br>Open-A COC is needed for the lender's title insurance that increased by $XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Lender's Title Policy. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Abstract Or Title Search Fee, Lender's Title Policy. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5169 |  |  | Closed | 2025-03-17 00:45 | 2025-04-03 13:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Legible copy of the Final CD received. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Final CD uploaded for review. - Seller-XX/XX/XXXX <br>Counter-Initial CD provided; however, the provided Final CD, page XXX, is illegible, particularly the Loan Calculations on p X of X (Total of Payments, Finance Charge, Amount Financed, and Annual Percentage Rate (APR)). Provide updated legible Final CD so exact Loan Calculation figures can be entered and compliance can be run. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial CD uploaded for review. - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Final CD uploaded for review. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure X) The provided Final CD, page XXX, is illegible, particularly the Loan Calculations on p X of X (Total of Payments, Finance Charge, Amount Financed, ad Annual Percentage Rate (APR)). Provide updated legible Final CD. X) The Initial Closing Disclosure is also missing. Provide Initial CD and any revised CD's and COC's, if applicable. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated Final CD uploaded for review. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Final CD uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XX XXX XXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XX XXXXX.XXX_XXXXX_<br> XXXXXXXXXXX_XXXXXXX XXXXXXX XX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXXXXX XXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5169 |  |  | Closed | 2025-03-27 15:39 | 2025-04-02 11:54 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Quit Claim dated X/XX/XXXX provided in Findings recorded title into the borrower's name solely. Supporting Title Commitment provided in Findings as well. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated title and Quick Claim Deed uploaded for review. - Seller-XX/XX/XXXX <br>Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form (Occupancy is Primary Residence, Loan Purpose is Refinance, and Title Vested by NonBorrower is true) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated title and Quick Claim Deed uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXX XXXXX X/XX/XXXX XXXXXXXX XX XXXXXXXX XXXXXXXX XXXXX XXXX XXX XXXXXXXX'X XXXX XXXXXX. XXXXXXXXXX XXXXX XXXXXXXXXX XXXXXXXX XX XXXXXXXX XX XXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX XXXXX XXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXXXXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5169 |  |  | Closed | 2025-03-21 14:35 | 2025-04-02 06:36 | Acknowledged | 2 - Non-Material B | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Acknowledged-EVX - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XXXXXXXXX accepts this Grade X - Buyer-XX/XX/XXXX <br>Counter-An Affiliated Business Arrangement Disclosure is required on a refinance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-I don't believe this is required on a refinance - Seller-XX/XX/XXXX <br>Open-The Affiliated Business Arrangement Disclosure Statement is Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-I don't believe this is required on a refinance - Seller-XX/XX/XXXX<br>| XXXXXXXXXXXX-XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Post-Close | No |
| XXXX | xxxxxx5169 |  |  | Closed | 2025-03-17 01:10 | 2025-03-27 16:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE, Revised LE & COC provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LEs and COCs uploaded for review. - Buyer-XX/XX/XXXX <br>Open-The Initial LE is missing. Provide the Initial LE and any revised LE's and COC's, if applicable. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX, XXXXXXX XX & XXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XX'X XXX XXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5169 |  |  | Closed | 2025-03-17 01:39 | 2025-03-27 15:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lock provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Lock Confirmation uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Provided Lock page #XXX shows CLTV as XX.XX%, However per Appraisal doc and Final CD shows appraisal value as $XXXXXX where in the calc CLTV comes as XX.XX%. Provide updated lock confirmation. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XX XXXX XXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5169 |  |  | Closed | 2025-03-21 14:35 | 2025-03-27 15:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. HO Coun Dis uploaded for review. - Buyer-XX/XX/XXXX <br>Open-The Homeownership Counseling Disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5169 |  |  | Closed | 2025-03-21 14:36 | 2025-03-26 17:45 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Intent to Proceed uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. The Intent to Proceed is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XX XXXXXXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5169 |  |  | Closed | 2025-03-17 01:28 | 2025-03-25 05:00 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Requested updated XXXX Provided with updated HOA amount hence resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX showing HOA fee as $XX uploaded for review. - Buyer-XX/XX/XXXX <br>Open-HOA Fee difference exsits between validated HOA and documents Variance is in the Monthly HOA Amount. Originator XXXX reflects an HOA of $XX and Appraisal reflects an HOA of $XX. This causes the discrepancy in the HTI. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXXXXXX XXXX XXXXXXX XXX XXXXXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5169 |  |  | Closed | 2025-03-17 01:22 | 2025-03-24 16:51 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception - Buyer-XX/XX/XXXX <br>Open-Exception on page #XXXX. Manager Notes: Exception for use of both personal; and business accounts for qualifying income is approved. CPA verifies both accounts/expense ratio. Contingent on acceptable LOX for source of business funds for both accounts. Recommend waiving. <br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXXXXXX XXXXXX XX $X,XXX.XX (XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $XXXX); XXXX XX XX.XX% (XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%); XXXXX XXXX XXXXXXX XXXXXXX XXXXXXX; XXX XXXXXX, X XXX-XXX, XXXXXXXXX XXXXXXXX XXX XXXXXXXX XXXX XXXXXXXXXX.  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx5169 |  |  | Closed | 2025-04-03 13:40 | 2025-04-03 14:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Requirements of HPML have been met. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Requirements of HPML have been met, - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XX.XXX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(iii)) Requirements of HPML have been met - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXX XX XXXX XXXX XXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXX XXXXXXXXXXX XXXXXXX XX XXX XXXXXXXX XXXXXXXXXXXX XX XXXXXXXXX XXXXXXXXXX, XX XXXXXXXXXX XX XXXXXXXX XXXXXXX, XXXX XX X XXXXXX-XXXXXX XXXXXXXX. XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%). (XXXXX XX.XX.XX.XX(X)(XX); XX XXX XXXX.XX(X)(XXX)) XXXXXXXXXXXX XX XXXX XXXX XXXX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5169 |  |  | Closed | 2025-04-03 13:40 | 2025-04-03 14:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Requirements of HPML have been met. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Requirements of HPML have been met. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Requirements of HPML have been met - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXX XX XXXX XXXX XXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXXXXXXXXXX XX XXXX XXXX XXXX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2342 |  |  | Closed | 2025-03-27 18:11 | 2025-03-27 18:18 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Corrected the Initial LE and re-ran compliance. Passed. Finding resolved automatically. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXXX XX XXX XX-XXX XXXXXXXXXX. XXXXXX. XXXXXXX XXXXXXXX XXXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2342 |  |  | Closed | 2025-03-20 00:21 | 2025-03-27 18:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD received and compliance run. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure The Initial Closing Disclosure is missing. Compliance will be run upon receipt. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXXXXXXX XXX XXXXXXXXXX XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX - XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2342 |  |  | Closed | 2025-03-19 23:10 | 2025-03-27 18:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing The Xrd Party VOE within XX days prior to closing is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5616 |  |  | Closed | 2025-03-21 05:23 | 2025-04-03 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5616 |  |  | Closed | 2025-03-21 09:38 | 2025-04-03 08:05 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Finding updated to resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Comments state condition resolved - Buyer-XX/XX/XXXX <br>Open-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This Xnd lien loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, per the other considerations section of Initial LE issued within X business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5616 |  |  | Closed | 2025-03-21 06:58 | 2025-04-02 01:01 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Cash-Out Meets GL requirements, Per Final CD cash-out is $XXX,XXX.XX. However per GL's Max Cash-out is $XXXXXX. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Advise what guidelines are not met - Buyer-XX/XX/XXXX <br>Open-Cash Out is not completed according to the guideline requirements Considered as per guidelines. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX-XXX XXXXX XX XXXXXXXXXXXX, XXX XXXXX XX XXXX-XXX XX $XXX,XXX.XX. XXXXXXX XXX XX'X XXX XXXX-XXX XX $XXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6820 |  |  | Closed | 2025-03-31 04:20 | 2026-04-13 11:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets Xnd lien HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets Xnd lien HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-IN file - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This has been in the file the entire time team - Buyer-XX/XX/XXXX <br>Counter-Need Acknowledgment of Appraisal - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Confusing. Please clearly write out what it is you need here. - Buyer-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Have receipt of appraisal need copy of the acknowledgment of appraisal. <br>TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg# XX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# missing for the copy of the disclosure. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXX XXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXX XXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX - XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6545 |  |  | Closed | 2025-04-16 10:01 | 2025-04-21 17:16 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved-Originator left company just prior to closing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. seller rebuttal attached. - Seller-XX/XX/XXXX <br>Open-Per consumer access, the LO individual (NMLS# XXXXXX) was not authorized to conduct business for XXXXXXXXXX (NMLS# XXXX) as of XXXX-XX-XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-A relationship between the individual (NMLS ID: XXXXXX) and the company (Company NMLS ID: XXXX) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. seller rebuttal attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXX XXXXXXX XXXX XXXXX XX XXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XXXXXXXX .XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6545 |  |  | Closed | 2025-04-10 01:29 | 2025-04-16 10:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided and updated to review. Mavent is passing. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached. - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure TRID: Initial Closing Disclosure is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXXXXXXX XXX XXXXXXX XX XXXXXX. XXXXXX XX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XXXXXXXXXX (XXXXXXXXX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6545 |  |  | Closed | 2025-04-10 01:29 | 2025-04-16 10:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-SPL provided, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached. - Seller-XX/XX/XXXX <br>Open-Missing Service Provider List document. Final CD Title Fees reflecting in Section-B but moved to Section-C as Service Provider List is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXX XXXXXXX XXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6545 |  |  | Closed | 2025-04-10 01:43 | 2025-04-16 09:48 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided and updated to disclosure page, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached. - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX XXX XXXXXXX XX XXXXXXXXXX XXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6545 |  |  | Closed | 2025-04-10 00:11 | 2025-04-16 04:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE provided hence resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VOE attached - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. VOE attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXXXXXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX _ XXXXXXXXXX XXXXXXXXX XX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7197 |  |  | Closed | 2025-04-17 18:51 | 2025-04-22 17:22 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Executed ITP provided, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7197 |  |  | Closed | 2025-04-16 14:12 | 2025-04-22 17:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing HCO list. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXXXXXXXXX XXXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7197 |  |  | Closed | 2025-04-11 06:06 | 2025-04-17 19:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-LE provided and updated to review, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing initial Loan Estimate. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XX XXXXXXXX XXX XXXXXXX XX XXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7197 |  |  | Closed | 2025-04-11 05:55 | 2025-04-17 18:44 | Resolved | 1 - Information B A | Credit | Doc Issue | Settlement Service Provider List is Missing | Resolved-SPL provided dated within X business days of the application date, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Settlement Service Provider List is Missing Missing SPL - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XXXXX XXXXXX X XXXXXXXX XXXX XX XXX XXXXXXXXXXX XXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7197 |  |  | Closed | 2025-04-11 04:34 | 2025-04-17 18:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Internet business search and Secretary of state summary for borrower's business provided dated within XX days of closing. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Xrd Party VOE Prior to Close - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXXXXXXX XXXXXXXX XXXXXX XXX XXXXXXXXX XX XXXXX XXXXXXX XXX XXXXXXXX'X XXXXXXXX XXXXXXXX XXXXX XXXXXX XX XXXX XX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7197 |  |  | Closed | 2025-04-17 19:18 | 2025-04-17 19:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for delivery confirmation of the appraisal. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXXXXXXX XXXXXXXXXXXX XX XXX XXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6822 |  |  | Closed | 2025-04-22 12:09 | 2025-04-24 06:06 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC and revised Le provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LE & COC shows transfer tax - Seller-XX/XX/XXXX <br>Open-Please provide COC for Transfer Tax increase at Initial CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. LE & COC shows transfer tax - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXX XXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX .XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx6822 |  |  | Closed | 2025-04-13 23:37 | 2025-04-22 12:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided fully executed Initial CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file, required to run the Mavent. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXXXX XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXXX XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx6822 |  |  | Closed | 2025-04-13 22:33 | 2025-04-22 04:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing VOE within XX business days of closing is missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded for review - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXXX XX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx6822 |  |  | Closed | 2025-04-13 23:41 | 2025-04-21 12:54 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception - Buyer-XX/XX/XXXX <br>Open-Exception on page#XXX approved for business in existence for <br>XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_<br> X.XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> X.XXXXXXXX(X) XXXX XX.XX XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX.<br> X.XXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XX Primary Residence Refinance Cash Out - Home Improvement/Reno XX Investor Post-Close No |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | xxxxxx7206 |  |  | Closed | 2025-04-15 02:32 | 2025-04-22 12:27 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided updated Title commitment. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage is lower than loan amount. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXX XXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7206 |  |  | Closed | 2025-04-15 05:15 | 2025-07-31 06:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7899 |  |  | Closed | 2025-06-25 23:51 | 2025-07-03 15:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-coc - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender credit decreased from $XXXX to X on Revised LE (XX/XX/XXXX) to Initial CD (XX/XX/XXXX) Missing COC form. To cure provide PCCD, LOE evidence of refund check and POD. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7899 |  |  | Closed | 2025-07-01 11:28 | 2025-07-03 15:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-locked LE - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Evidence of Rate Lock Missing Missing lock confirmation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2888 |  |  | Closed | 2025-06-30 01:21 | 2025-10-02 13:40 | Resolved | 1 - Information C A | Property | Appraisal | Missing Core Valuation Product | Resolved-Requested AVM + Property Condition Report provided hence resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-None of the Valuation entries contain core valuation types. The Property Condition Report is missing. Per XXXXXX - For loan amounts ≤ $XXX,XXX, one of: ▪ AVM (see requirements below) + Property Condition Report (or) Full interior appraisal (XXXXXXXXXX XXXX XXXX, XXXX or XXXX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXX + XXXXXXXX XXXXXXXXX XXXXXX XXXXXXXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX - XXX + XXXXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2888 |  |  | Closed | 2025-06-30 01:18 | 2025-07-15 16:30 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX Provided, Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. see XXXX updated. credit score is XXX - XXXXXX-XX/XX/XXXX _xXXXD_<br> Counter-The XXXX provided in Findings does include the FICO score of XXX that was missing however other data has been changed from the Final XXXX on p XXXX including the HTI & DTI. On the Final XXXX provided on p XXXX, the FICO was missing but all other data aligned with our calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. FICO score is missing/blank on the XXXX. Per the CR, the primary wage earners mid-score is XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. XXXX attached - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. FICO score is missing/blank on the XXXX. Per the CR, the primary wage earners mid-score is XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. see XXXX updated. credit score is XXX - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXX XXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXXX XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2888 |  |  | Closed | 2025-06-30 01:18 | 2025-07-09 04:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-UDM attached is within the XX Business days from the closing hence resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. fraud report attached shows undisclosed debt monitoring status - XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Gap Credit Report is Missing BX Gap Credit Report is Missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. fraud report attached shows undisclosed debt monitoring status - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXX XXXXXXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXX XXXXXXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX_XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7999 |  |  | Closed | 2025-07-16 11:15 | 2025-07-18 10:30 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Loan approval provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Our approval for mat CTC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Missing Lender Approval Form. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXXXXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8248 |  |  | Closed | 2025-08-06 00:02 | 2025-08-11 08:59 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Post CD - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under XXXXXXXXXX X, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXX X, XX CFR XXXX.XX(c) and Official Staff Commentary) Right to cancel date is XX-XX-XXXX, which is same date of Final Cd Disbursement date of XX-XX-XXXX, disbursement date should be after the Right to cancel date - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8252 |  |  | Closed | 2025-07-31 22:32 | 2025-08-11 16:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-XXXXXXXXX approves exception. Comp Factors: DTI of XX.XX% where XX% is the maximum<br> Reserves of XX.X mos where X mos is required<br> BWR has X+ years business ownership - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Audited CLTV of XX% exceeds Guideline CLTV of XX% As per XXXXXX XX/XX/XXXX for Qualifying FICO XXX for bank statements CLTV is XX%, the calculated LTV is XX%.<br>Exception on page: XXX X% LTV exception to max XX%CLTV - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XX XX.XX% XXXXX XX% XX XXX XXXXXXX<br> XXXXXXXX XX XX.X XXX XXXXX X XXX XX XXXXXXXX<br> XXX XXX X+ XXXXX XXXXXXXX XXXXXXXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8252 |  |  | Closed | 2025-07-31 23:19 | 2025-08-11 08:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC from lender provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-coc form - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-There were Lender Credits in the amount of $XXX which were removed on subsequent CD's and there was not a change of circumstance in the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credits decreased in Initial CD and COC is not provided to cure the tolerance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8252 |  |  | Closed | 2025-07-31 23:19 | 2025-08-11 08:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC from lender provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-coc form - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-The loan Origination fee increased from $X,XXX to $X,XXX.XX and there was not a valid change of circumstance in the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Loan Origination Fee Increased in Initial CD and COC is not provided for the Increased Fee. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8252 |  |  | Closed | 2025-08-05 18:47 | 2025-08-08 02:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Qualifying state is XX, hence updated loan amount as title coverage amount & resolved condition. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Title supplement - this was in file - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXX XX XX, XXXXX XXXXXXX XXXX XXXXXX XX XXXXX XXXXXXXX XXXXXX & XXXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8252 |  |  | Closed | 2025-07-31 22:11 | 2025-08-08 01:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE that is within the XX Business days from closing Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Requested Xrd Party VOE that is within the XX Business days from closing Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-vvoe - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8252 |  |  | Closed | 2025-07-31 23:19 | 2025-08-11 08:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#' XX for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXX'X (XX.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#' XX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8252 |  |  | Closed | 2025-07-31 23:19 | 2025-08-11 08:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#' XX for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXX XXXX'X (XX.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#' XX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8276 |  |  | Closed | 2025-08-01 02:00 | 2025-08-11 07:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-COC dated X/XX/XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). In the Loan Estimate (LE), the lender credit is $XXX; however, it has been reduced to $XXX.XX in the Closing Disclosure (CD), and there is no Change of Circumstance (COC) documented to explain the discrepancy. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8276 |  |  | Closed | 2025-08-06 11:56 | 2025-08-11 07:26 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Title supplement - this was in file - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Coverage Amount of $X is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8256 |  |  | Closed | 2025-08-01 05:06 | 2025-08-07 09:18 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided XXXX. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide updated XXXX including Subject Property Negative Cash with updated DTI. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8256 |  |  | Closed | 2025-08-01 02:47 | 2025-08-07 01:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-final vvoe - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing VOE Is missing, per XXXXXXXXX Version-XX/XX/XX, provide Borrower X Xrd Party VOE prior to close missing verification of business existence required with in XX business days of closing.<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8246 |  |  | Closed | 2025-08-01 02:54 | 2025-08-07 04:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-locked le should suffice in lieu of rate lock - Due Diligence Vendor-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide evidence of the Rate Lock. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8246 |  |  | Closed | 2025-08-01 03:00 | 2025-08-01 05:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX,XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX,XX, XX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX,XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX,XX, XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8246 |  |  | Closed | 2025-08-01 03:00 | 2025-08-01 05:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX,XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX,XX, XX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX,XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX,XX, XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8249 |  |  | Closed | 2025-08-01 04:00 | 2025-08-07 01:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-voe - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8253 |  |  | Closed | 2025-08-01 00:59 | 2025-08-07 01:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-voe - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8253 |  |  | Closed | 2025-08-01 00:59 | 2025-08-07 01:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-voe - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8281 |  |  | Closed | 2025-08-04 01:58 | 2025-08-13 17:25 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception for first lien statement dated outside of XX days from loan consummation. - Buyer-XX/XX/XXXX <br>Counter-Lender provided Xst lien statement dated X/XX/XX. Subject loan closed X/XX.XX. Per guidelines dated X/XX/XX section X.X senior Note document or Bank statement dated within XX days of Note date required. Condition unresolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Mortgage statement reflects loan is a fixed. This should suffice in lieu of note - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- Provide senior Note document or Bank statement dated within XX days of Note date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXX XXXX<br> >$XXX XXXXXXXX XXXXXX<br> XX% XXX, XXX XX XX% | XX | Investment | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8279 |  |  | Closed | 2025-08-05 01:13 | 2025-08-12 09:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Upon further compliance review, POST CD is sufficient. Condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-revised post CD marking part of transfer taxes $XXX.XX as paid by others (broker paying it) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-Lender indicated credit from broker is located in the disbursement/debts paid section. Per compliance, cure is not correctly displayed on the CD, please provide updated CD reflecting the mentioned cure. Condition unresolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Broker paid the $XXX.XX - see attached CD signed at docs page X under pay-offs - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Loan Origination Fee, Points - Loan Discount Fee, Reinspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). COC is missing for "Doc Tax Stamps/Transfer Taxes – City/County, Loan Origination Fee, Points - Loan Discount Fee, Reinspection Fee" has increased Required COC.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXX XXXXXXXXXX XXXXXX, XXXX XX XX XXXXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8279 |  |  | Closed | 2025-08-11 11:41 | 2025-08-11 11:56 | Resolved | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | _XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8279 |  |  | Closed | 2025-08-05 01:13 | 2025-08-08 08:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC provided. Condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-coc - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-coc form - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). COC is missing for "lender credits disclosed" has Decrease from Revised LE($X,XXX.XX) to Initial CD(X.XX), Required COC. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8279 |  |  | Closed | 2025-08-04 23:53 | 2025-08-08 02:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE that is within the XX Business days from closing Provided, Updated & Condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-voe - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing VOE Is missing, per XXXXXXXXX Version-XX/XX/XX, we need Borrower X Xrd Party VOE prior to close missing verification of business existence required with in XX business days of closing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8279 |  |  | Closed | 2025-08-05 01:13 | 2025-08-27 13:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-.. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-.. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'XXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5334 |  |  | Closed | 2025-08-08 05:04 | 2025-08-15 13:08 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Closing Protection Letter. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Working through mavent fails. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. seller rebuttal attached. - Seller-XX/XX/XXXX _xXXXD_<br> Open-No COC or lender credits provided to cure the tolerance. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Closing Protection Letter, Title Endorsement Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. seller rebuttal attached. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5334 |  |  | Closed | 2025-08-03 11:34 | 2025-08-08 05:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Closing Disclosure Initial CD is missing in the file .Provide Initial CD - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5334 |  |  | Closed | 2025-08-03 11:00 | 2025-08-08 02:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Gap Credit Report is Missing As per GL XX/XX/XXXX pg no: XX need a GAP report with in XXdays of closing date which is missing in the file. Provide the same - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5334 |  |  | Closed | 2025-08-03 11:00 | 2025-08-08 02:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Gap Credit Report is Missing As per GL XX/XX/XXXX pg no: XX need a GAP report with in XXdays of closing date which is missing in the file. Provide the same - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5334 |  |  | Closed | 2025-08-03 21:58 | 2025-08-06 05:28 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Loan amount mis match in file XXXX, provided updated XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX _xXXXD_<br> Open-The XXXX document is missing from the loan file. Provided XXXX document loan amount is showing as $XXX,XXX where as final docs loan amount is $XXX,XXX. Provide updated XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXX XXXXXX XXX XXXXX XX XXXX XXXX, XXXXXXXX XXXXXXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8266 |  |  | Closed | 2025-08-06 00:42 | 2025-08-14 02:13 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-We no Longer Required Gap Credit Report if we have Credit Report within the XX Days from closing hence Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-We do require Gap Credit Report. Per guidelines, credit report is valid for XX days. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XX XX XXXXXX XXXXXXXX XXX XXXXXX XXXXXX XX XX XXXX XXXXXX XXXXXX XXXXXX XXX XX XXXX XXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8263 |  |  | Closed | 2025-08-06 06:34 | 2025-08-14 02:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE that is within the XX Business days from closing Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE prior to close missing, Per Guideline we need we required with in XX business days of closing.<br> - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8263 |  |  | Closed | 2025-08-06 07:13 | 2025-08-14 02:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Requested Flood Insurance Policy Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Missing Flood Insurance Policy Flood Cert reflects Flood Zone AE. The Flood Insurance Policy is missing. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8263 |  |  | Closed | 2025-08-06 06:20 | 2025-08-14 02:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Requested Title Report Provided that Covers Loan Amount, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Title Document is missing The Title Document is missing, - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXXXX XXXXXX XXXXXXXX XXXX XXXXXX XXXX XXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8267 |  |  | Closed | 2025-08-11 15:10 | 2025-08-18 15:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock provided in Findings: XXXXXXX_X.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Please see attached, updated Rate Lock Confirmation - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Counter-The Lock provided reflects a Rate of XX% however the Note Rate is X.XXX%. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Evidence of Rate Lock is missing. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX XX XXXXXXXX: XXXXXXX_X.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8267 |  |  | Closed | 2025-08-11 14:48 | 2025-08-18 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see attached, RCE for subject property. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-The first lien of $XXX,XXX.XX + the second lien of $XXX,XXX = $XXX,XXX.XX. The Dec Page provided reflects Dwelling Coverage of $XXX.XXX. The lender has conditioned on p XXX "PXX: Property-Hazard Insurance - Provide homeowner's insurance declaration page for the subject property with acceptable effective date, and evidence of at least XXX% replacement cost. If full replacement cost not stated on binder, a replacement cost estimator is required proving the amount on binder sufficiently covers the replacement cost." Pending RCE or Coverage amount sufficient to cover the total of the Xst and Xnd lien total of $XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Conditioned on p XXX: Property-Hazard Insurance - Provide homeowner's insurance declaration page for the subject property with acceptable effective date, and evidence of at least XXX% replacement cost. If full replacement cost not stated on binder, a replacement cost estimator is required proving the amount on binder sufficiently covers the replacement cost. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8267 |  |  | Closed | 2025-08-11 14:08 | 2025-08-15 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE within XX days of closing was provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing BX Xrd Party VOE within XX days Prior to Close is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXX XX XXXX XX XXXXXXX XXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8267 |  |  | Closed | 2025-08-06 04:08 | 2025-08-15 03:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested Updated XXXX with Updated REO Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see signed Final XXXX, which indicated both REO's and updated Final XXXX for length of time Rent Free. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Provided final XXXX is missing with REO XXX XXXXXXX XXXX which is owned as investment. REO section is only reflecting property XXX XXXXXXXX XXXXX which is Sold. And also provided XXXX is missing with years living in Primary residence (as rent free). - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8267 |  |  | Closed | 2025-08-06 04:18 | 2025-08-15 02:07 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested Updated XXXX with updated Negative Cash Flow Provided now, HTI & DTI are Matching hence condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see attached, updated XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provided XXXX document is missing the Property Type. And provided negative cashflow on subject is $X,XXX.XX whereas per manual calculation rental income of $XXXX from lease doc - XX% vacancy factor = $X,XXX - PITIA $X,XXX.XX= $-X,XXX.XX (which negative cash flow on subject property). The HTI and DTI on the XXXX included a primary housing expense of $XXXX.XX; however, the borrower is living rent free and sold the property identified as his primary residence on the Initial XXXX. The Closing Statement dated X/XX/XXXX for the sale of XXX XXXXXXXX XXXXX is on p XXX. Thus the $XXXX.XX was not included in our HTI / DTI calculations which resulted in X% / XX.XX% - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXX, XXX & XXX XXX XXXXXXXX XXXXX XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8264 |  |  | Closed | 2025-08-11 17:56 | 2025-08-15 10:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lock Confirmation provided in Findings: XXXXXXXXXX_X.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Evidence of Rate Lock is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXXXXXX XX XXXXXXXX: XXXXXXX_X.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8251 |  |  | Closed | 2025-08-06 06:31 | 2025-08-20 16:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception . Com Factors: XXX FICO, $XX,XXX residual income, XX mos reserves. - Buyer-XX/XX/XXXX <br>Escalated-XX approves Exception. XXX FICO, XX mos reserves, $XXk residual income - Buyer-XX/XX/XXXX <br>Escalated-Escalating for XX visibility - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-exception - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited Loan Amount of $XXXXXX is less than the XXXXXXXXX XXXXXXXXXX XXXX XXXXX of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> XXX XX XX.X%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXX XXXXXXXXX XX X+ XXXXX. | XX | Investment | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8251 |  |  | Closed | 2025-08-11 14:56 | 2025-08-13 08:06 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Primary Appraisal | Resolved-Upon further review, AVM is sufficient with out complete appraisal. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-AVM provided is over XX% score - Due Diligence Vendor-XX/XX/XXXX <br>Open-Primary Value has not been selected Provide complete Appraisal. Only XXXX in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXX XXXXXX, XXX XX XXXXXXXXXX XXXX XXX XXXXXXXX XXXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8240 |  |  | Closed | 2025-08-06 03:54 | 2025-08-12 11:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC form provided and updated to TRID header page. Mavent is passing, resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - loan amount increased causing intangible tax to increase - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Missing COC form issued to the borrower for Loan origination points fee and tax stamps fee increased on revised LE issued X/XX/XX. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX XXX XXXXXXX XX XXXX XXXXXX XXXX. XXXXXX XX XXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8240 |  |  | Closed | 2025-08-06 02:53 | 2025-08-12 02:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDN Report within XX days from closing date uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UDN report - end date X/XX/XX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing gap credit report dated within XX days of the Note date. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXX XX XXXX XXXX XXXXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8239 |  |  | Closed | 2025-08-06 06:12 | 2025-08-15 08:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Flood cert provided and updated to property insurance page. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-flood cert attached. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Finding is not a duplicate. Missing flood certificate. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Waive - this is a duplicate condition - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Flood Certificate - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXXXXX XX XXXXX XXXXXXX - XXXXX XXXX XXXXXXXX XXX XXXXXXX XX XXXXXXXX XXXXXXXXX XXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8239 |  |  | Closed | 2025-08-06 06:38 | 2025-08-12 11:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC form provided and updated to TRID header page. Mavent is passing. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-coc - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Missing COC form for Loan discount point fee that increased on Revised LE issued X/XX/XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX XXXXXXXX XXX XXXXXXX XX XXXX XXXXXX XXXX. XXXXXX XX XXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8243 |  |  | Closed | 2025-08-06 06:26 | 2025-08-12 02:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-vvoe - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Xrd Party VOE dated within XX business days Prior to Close - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8243 |  |  | Closed | 2025-08-10 21:10 | 2025-08-10 21:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This Xnd lien loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Confirmed Xst lien is escrowed. Rate lock date was entered correctly – see Pg# XXX. An interior and exterior appraisal was completed for this property – see pg XX, per the other considerations section of Initial LE issued within X business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXX XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXXX XXX XXXX XX XXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX# XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXX XXXXX XXXXXXXXXXXXXX XXXXXXX XX XXXXXXX XX XXXXXX XXXXXX X XXXXXXXX XXXX XXXX XXX XXXXXXXXXXX XXXX, X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8270 |  |  | Closed | 2025-08-07 01:57 | 2025-08-14 02:28 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX Provided with change in First Mortgage P&I, CLTV & HCLTV, Updated & Condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-The XXXX document is missing from the loan file. The provided XXXX is not reflecting Xst mtg P&I amount and the Subordinate Lien(s) P&I is reflected as $XXX.XX instead of $XXX.XX, due to which HTI and DTI discrepancy occurred. Also, the LTV/CLTV/HCLTV are all showing the same as XX.XX% but CLTV/HCLTV should reflect XX.XX%. (Principal pay down on Xst mortgage at closing by $X,XXX.XX reflected on Final CD thus principal balance reduced from $XXX,XXX to $XXX,XXX which results in a CLTV of XX.XX% and the LTV is within GLs for a FICO of XXX.) <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXXX XXXXXXXX XXXX XXXXXX XX XXXXX XXXXXXXX X&X, XXXX & XXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8270 |  |  | Closed | 2025-08-07 04:53 | 2025-08-12 08:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'XX. Rate lock date was entered correctly – see Pg#'s XX. An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XXX, XXX. Confirmation the appraisal was delivered to the borrower – see Pg#'s XX. Requirements of HPML have been met. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX. XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#'XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX, XXX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXXXXXXXXXXX XX XXXX XXXX XXXX XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8530 |  |  | Closed | 2025-08-08 00:21 | 2025-08-21 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided XXXXX report dated X/X/XX indicating no new debt.. Condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. fraud report attached with UDM - XXXXXX-XX/XX/XXXX _xXXXD_<br> Counter-Lender provided updated Credit report dated X/XX/XX however not with in XX business day of closing date of X/X/XX. Condition unresolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Gap Credit Report is Missing Provide Gap Credit Report per GL version X/XX/XXXX page #XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. fraud report attached with UDM - XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXX XXXXX X/X/XX XXXXXXXXXX XX XXX XXXX.. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXX XXXXXX.XXX_XXXXX_<br> XXX XXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXX X XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8530 |  |  | Closed | 2025-08-08 00:46 | 2025-08-18 10:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Unable to Resolve-Unable to Resolve-XX approves exception. Comp Factors: XXX FICO, XX% DTO, XX mos reserves - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXX $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XXXX. XXX XXX.<br> XX.XX% XXXX. XXX XXXX XX%.<br> XXXX XXX XXX XXXXXXX XXX XXXX XX XXXXXX. XXX XXXX XXXXXX XXX XXXX XX XXXXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8530 |  |  | Closed | 2025-08-08 01:36 | 2025-08-18 10:21 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Unable to Resolve-Unable to Resolve-XX approves exception. Comp Factors: XXX FICO, XX% DTO, XX mos reserves - XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Cash Out is not completed according to the guideline requirements Per GL's Max Cash-Out is $XXXXXX, However per file cash going to borrower is $XXXXXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Unable to Resolve-Unable to Resolve-XX approves exception. Comp Factors: XXX FICO, XX% DTO, XX mos reserves - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XXXX. XXX XXX.<br> XX.XX% XXXX. XXX XXXX XX%.<br> XXXX XXX XXX XXXXXXX XXX XXXX XX XXXXXX. XXX XXXX XXXXXX XXX XXXX XX XXXXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8530 |  |  | Closed | 2025-08-07 22:49 | 2025-08-18 04:17 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title doc with Title Coverage Amount of $XXXXXXX provided. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide updated title doc with required coverage amount required per GL version X/XX/XXXX page #XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXX XXXXX XXX XXXX XXXXX XXXXXXXX XXXXXX XX $XXXXXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXX XXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8530 |  |  | Closed | 2025-08-08 01:45 | 2025-08-18 04:16 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated appraisal with HOA amount provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Per Final CD page #XXX and XXXX page #XXX we have verified that subject property is PUD which has HOA amount of $XXXX. However Appraisal on page #XX does not reflect HOA amount. Provide updated appraisal with HOA amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXX XXXXXXXXX XXXX XXX XXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8696 |  |  | Closed | 2025-08-10 23:04 | 2025-08-15 06:13 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX with correct FICO provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXX is the correct credit score. Updated final XXXX uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per guidelines considered Primary wage earner. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXX XXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8277 |  |  | Closed | 2025-08-13 01:10 | 2025-08-20 07:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC dated X/XX/XXXX provided by lender and entered into XX, - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-coc - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-COC is missing for Loan Amount (Points) increased from Initial LE ($X) to Revised LE ($XXXX) and Revised CD XX/XX/XXXX ($X) to Revised CD XX/XX/XXXX ($XXXX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(f)(X)(v)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX X/XX/XXXX XXXXXXXX XX XXXXXX XXX XXXXXXX XXXX XX, - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8277 |  |  | Closed | 2025-08-13 01:10 | 2025-08-20 07:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _XXX___ and the Final Closing disclosure on Pg#'s __XXX__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _XXX____ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XX__ , and copy of the appraisal was given to the borrower – see Pg#'s __XX___ for the copy of the disclosure. The loan meets XXXX guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X _XXX___ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X __XXX__ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X _XXX____ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX _XX___ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X_XX__ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X __XX___ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8277 |  |  | Closed | 2025-08-13 01:10 | 2025-08-20 07:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _XXX___ and the Final Closing disclosure on Pg#'s __XXX__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _XXX____ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XX__ , and copy of the appraisal was given to the borrower – see Pg#'s __XX___ for the copy of the disclosure. The loan meets XXXX guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X _XXX___ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X __XXX__ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X _XXX____ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX _XX___ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X_XX__ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X __XX___ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8285 |  |  | Closed | 2025-08-13 04:45 | 2025-08-21 03:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-vvoe - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Borrower X Xrd Party VOE Prior to Close - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8275 |  |  | Closed | 2025-08-13 23:31 | 2025-08-20 07:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Coc dated X/XX/XXX provided by lender and entered into XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-coc - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(f)(X)(v)). Loan Discount fee has been increased Initial Closing disclosure $ XXXX.XX to Final closing disclosure $ XXXX.XX, Required COC or Lender Credits. There was a loan discount disclosure in the file, however it was dated X/XX/XXXX after the increase in points. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX X/XX/XXX XXXXXXXX XX XXXXXX XXX XXXXXXX XXXX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8275 |  |  | Closed | 2025-08-18 17:11 | 2025-08-20 07:44 | Resolved | 1 - Information C A | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Resolved-VOE dated w/in XX business days of closing provided and entered into XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-voe - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-VOE (evidence of borrower's employment dated X/X/XXXX which is more than XX business days from closing of X/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX X/XX XX XXXXXXXX XXXX XX XXXXXXX XXXXXXXX XXX XXXXXXX XXXX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8275 |  |  | Closed | 2025-08-13 23:31 | 2025-08-20 03:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-locked LE will suffice in lieu of rate lock. This was in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Required Rate Lock Document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8275 |  |  | Closed | 2025-08-13 23:31 | 2025-08-20 07:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(iii)) The loan meets XXXX requirements and an interior appraisal was performed.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXX XXXX XXXXX XXXX XXXXXXXXXXXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8275 |  |  | Closed | 2025-08-13 23:31 | 2025-08-20 07:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) The loan meets XXXX requirements and an interior appraisal was performed.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXX XXXXX XXXX XXXXXXXXXXXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6704 |  |  | Closed | 2025-08-14 02:19 | 2025-08-19 03:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the updated prelim reflecting coverage amount of $XXX,XXX to clear this finding. - XXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount is not available on provided title/property report.<br> - XXX XXXXXXXXX XXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX XXXXXXXXXX XXXXXXXX, XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XXXXX XXXXXX XX XXXXXXX XXXX(X), XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXX - XXXXXXXXXX XXXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6238 |  |  | Closed | 2025-08-15 05:53 | 2025-09-18 13:19 | Acknowledged | 2 - Non-Material C B | Compliance | Mavent | Fees: Limited | Acknowledged-XX Acknowledged. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - XXXXXX-XX/XX/XXXX <br>Counter-"Brokerage Fee" means a fee charged by a mortgage loan broker or residential mortgage <br> lender that is paid by or charged to a loan applicant for mortgage loan origination in which no <br> part of the fee is for service rendered by a third party provider. For the purpose of this rule, <br> brokerage fee is synonymous with finder fee. <br>https://publications.tnsosfiles.com/rules/XXXX/XXXX-XX.XXXXXXXX.pdf - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached law does not state anything about origination fees - XXXXX-XX/XX/XXXX <br>Counter-XXXXXXXXX law uses the term brokerage commissions to describe fees paid by the borrower to the lender for loan origination and placement services- not just compensation to a mortgage broker. The borrower paid $X,XXX.XX in origination, underwriting, processing, and discount point fees to the lender. This amount exceeds the X% limit of $X,XXX.XX. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-The state regulation is for Brokerage/Finder Fees. It is not in regards to lender fees - XXXXXX-XX/XX/XXXX <br>Open-The total of all fees paid by the borrower to the lender ($X,XXX.XX) exceeds X% of the loan amount ($X,XXX.XX). The XXXXXXXXX Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to X% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. (Tenn. Code Ann. XX-XX-XXX(c); TN ADC XXXX-XX-.XX(X)) Loan has limitations on lender paid by fees of $X,XXX, and loan has lender paid $X,XXX.XX, creates finding is TN state - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX | Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - XXXXXX-XX/XX/XXXX <br>Ready for Review-The state regulation is for Brokerage/Finder Fees. It is not in regards to lender fees - XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXX-XX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXX XXXX-XX-.XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx6238 |  |  | Closed | 2025-08-19 16:38 | 2025-08-28 07:27 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Acknowledged-XX Acknowledged. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception. Borrower has an individual policy that provides full coverage of the property. - XXXXX-XX/XX/XXXX <br>Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per XX.X.X. - XXX XXXXXXXXX XXX-XX/XX/XXXX |  | XXXXXXXXXXXX-XX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx5838 |  |  | Closed | 2025-08-18 00:58 | 2025-10-28 17:10 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Washington - Discount Points | Resolved-Resolved - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Compliance Report uploaded for review. - XXXXX-XX/XX/XXXX <br>Open-The XXXXXXXXXX Administrative Code requires the discount points actually lower the rate. The note rate (X.XX%) is not lower than the undiscounted rate (X.X%). WAC XXX-XXX-XXX(X)(e). - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Counter-Discount point disclosure or Mavent showing discount points missing from file. Finding countered. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Can I get some clarification of what you are looking for on this condition? How can a rate be lower than X.X%? And where did that number come from? - XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open-The XXXXXXXXXX Administrative Code requires the discount points actually lower the rate. The note rate (X.XX%) is not lower than the undiscounted rate (X.X%). WAC XXX-XXX-XXX(X)(e). This is state specific finding. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXX XXX XXXX XXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5838 |  |  | Closed | 2025-08-18 00:58 | 2025-10-18 13:30 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the "WA APL's") are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL's. Finding acknowledged. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Can you confirm that a refund to the borrower for the $XXX.XX Admin fee and the $XXX.XX Processing Fee in Sec A of the Final CD will clear this final condition? - XXXXXX-XX/XX/XXXX <br>Counter-Subject loan is a junior lien mortgage and subject to this state statue: WAC XXX-XXX-XXX<br> Allowable loan fees and timing of collection.<br> (X) This subsection applies to junior lien mortgages, and first lien mortgages originated by noncreditors, as defined in the Truth in Lending Act, XX U.S.C. XXXX and Regulation Z, XX C.F.R. XXXX. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-in review - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Pending review. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller counter to the condition uploaded for review. - XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open-The XXXXXXXXXX Consumer Loan Act prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX; WAC XXX-XXX-XXX(X)) - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open-This is state specific finding - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX | Ready for Review-Can you confirm that a refund to the borrower for the $XXX.XX Admin fee and the $XXX.XX Processing Fee in Sec A of the Final CD will clear this final condition? - XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXX-XXXXXXXXX XXXX XXXXXXX XXXXXXX XXXX XXX XXXXX XXXX-XXXXXXXXX XXXXXXXXXX XX XXX XXXXXXXXXX XXXXXXXX XXXX XXX (XXX "XX XXX'X") XXX XXXXXXXXXX XXXXX XXXXXX XX XXXXX XXXXXX XXX XX XXX XXXXXX XXXXXXXX XXXXXXXXX/XXXXXXXXX XXXXXXXXXX XXXX XXX XX XXX'X. XXXXXXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XX XXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx6469 |  |  | Closed | 2025-08-18 01:14 | 2025-10-01 14:45 | Cured | 2 - Non-Material C B | Compliance | Fees:Limited | Texas - Maximum Fees Allowed | Cured-PCCD and Cure paid to the borrower. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open-The following fees were used in the two percent calculation: Recording Fees ($XXX), Recording Service Fee ($XX.XX), Courier Fee ($XX), Attorney's Fee ($XXX), Credit Report Fee ($XXX), Processing Fee ($XXX), Underwriting Fee ($X,XXX), Points / Discount Fee ($X,XXX.XX). Total Fees are $XX,XXX.XX, X.XX% of the Loan Amount. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open-The XXXXX Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(E); X TX ADC Sec. XXX.X) State Finding . - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX |  | XXXXX-XXXX XXX XXXX XXXX XX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6469 |  |  | Closed | 2025-08-18 01:14 | 2025-10-01 14:44 | Cured | 2 - Non-Material C B | Compliance | Mavent | TX Fee Not Allowed- Courier Fee (Fee ID: 143) | Cured- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open-The XXXXX Finance Code Regulated Loan Provisions (Tex. Fin. Code XXX.XXX et. seq.) does not allow Courier Fee (Fee ID: XXX) to be charged to the Borrower in XX. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXXX XXXXXXX XXXXXXXXXX XXXXXX XX XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6469 |  |  | Closed | 2025-08-18 01:14 | 2025-10-01 14:43 | Cured | 2 - Non-Material C B | Compliance | Mavent | TX Fee Not Allowed- Recording Service Fee (Fee ID: 108) | Cured- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open-The XXXXX Finance Code Regulated Loan Provisions (Tex. Fin. Code XXX.XXX et. seq.) does not allow Recording Service Fee (Fee ID: XXX) to be charged to the Borrower in XX. State Finding - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXXX XXXXXXX XXXXXXXXXX XXXXXX XX XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6469 |  |  | Closed | 2025-08-18 01:14 | 2025-09-22 10:53 | Resolved | 1 - Information C A | Compliance | Interest:DaysInYear | Texas - Days Used For Interest Calculation | Resolved-resolved - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open-The XXXXX Credit Title - Regulated Loans Provisions require a XXX-day year for interest calculations. (Tex. Fin. Code XXX.XXX) State Finding - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXXX XXXXXXX XXXXXXXXXX XXXXXX XX XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6469 |  |  | Closed | 2025-08-18 01:14 | 2025-09-22 10:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Meets XXXX guidelines - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-Meets XXXX guidelines - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-The loan meets XXXX guidelines. Resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-The loan meets XXXX guidelines. Resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. The Final Closing disclosure on Pg#'XXXs reflects no escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg# XX & XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines. Resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Ready for Review-Condition is very confusing-do you have what you need? finding says resolved. - XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. The Final Closing disclosure on Pg#'XXXs reflects no escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg# XX & XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines. Resolved. - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXX-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX & XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX & XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7976 |  |  | Closed | 2025-08-18 02:40 | 2025-08-26 03:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet Uploaded. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Worksheet / Income Calculator is Missing In File. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXX XXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7976 |  |  | Closed | 2025-08-18 03:30 | 2025-08-26 03:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide BX Gap Credit report. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7625 |  |  | Closed | 2025-08-18 09:19 | 2026-03-26 08:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Provided Final XXXX shows subject property address "XX XXX XXXXX #XXXX, XXXXX XX XXXXX" under REO section. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached page XX shows mortgage information - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete The purpose of the loan is to refinance. However, the subject property address "XX XXX XXXXX #XXXX, XXXXX XX XXXXX" is not listed in the REO section. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXX XXXX XXXXX XXXXXXX XXXXXXXX XXXXXXX "XX XXX XXXXX #XXXX, XXXXX XX XXXXX" XXXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX. XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7849 |  |  | Closed | 2025-08-18 06:00 | 2025-09-16 14:17 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: APR/FEES | Resolved-Lender provided PC CD, proof of delivery, LOX and check for cure. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD and refund - Seller-XX/XX/XXXX <br>Open-The loan fees ($X,XXX.XX) exceed the (XXXXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($X,XXX.XX), the difference is ($XXX.XX). (XX CFR XXXX.XX). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PCCD and refund - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XX XX, XXXXX XX XXXXXXXX, XXX XXX XXXXX XXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7849 |  |  | Closed | 2025-08-18 06:00 | 2025-09-16 14:17 | Resolved | 1 - Information C A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-Lender provided PC CD, proof of delivery, LOX and check for cure. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-This is a XXXXXXX XXXX XXXX. Since the loan file does not contain a Section XX Sign Date, the System assumes the creditor did not furnish the XXXXXXX XXXX Section XX disclosures at least X business days prior to consummation, in violation of Reg Z. (XX CFR XXXX.XX(c) and XXXX.XX(c)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XX XX, XXXXX XX XXXXXXXX, XXX XXX XXXXX XXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7849 |  |  | Closed | 2025-08-18 06:00 | 2025-09-16 14:17 | Resolved | 1 - Information C A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-Lender provided PC CD, proof of delivery, LOX and check for cure. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-You submitted a late fee amount of ($XX.XX) and a (X.X%) Late Fee Percent. In connection with a XXXXXXX XXXX-XXXX XXXXXXXXX any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (XX CFR XXXX.XX(a)(X)(i)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XX XX, XXXXX XX XXXXXXXX, XXX XXX XXXXX XXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7849 |  |  | Closed | 2025-08-22 01:09 | 2025-08-28 03:43 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Borrower X Business Bank Statements provided for XX months. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements provided for X months Jan XXXX to June XXXX. Provide remaining X months bank statements. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX XXX XX XXXXXX. XXXXXXX & XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXX XXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7849 |  |  | Closed | 2025-08-18 06:20 | 2025-08-28 03:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8668 |  |  | Closed | 2025-08-19 05:04 | 2026-03-26 08:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-July Bank Statement Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Missing July XXXX bank statement the UW used to qualify, an exception was not provided to only use XX months of bank statements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Regarding the condition for July statement – please be advised that the underwriter's income calculation worksheet is through June XXXX, which is still valid and dated within XX days of funding. Please clear this. - Seller-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Bank statements available in file but July bank statement is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Regarding the condition for July statement – please be advised that the underwriter's income calculation worksheet is through June XXXX, which is still valid and dated within XX days of funding. Please clear this. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXXXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX-XXX XXXXXXXXXXX XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8668 |  |  | Closed | 2025-08-19 00:02 | 2025-08-21 09:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXX XXXXXXXX (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XX and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure, ECOA disclosure page no #XXX. The loan meets HPML guidelines." <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX, XXXX XXXXXXXXXX XXXX XX #XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX." <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8668 |  |  | Closed | 2025-08-19 00:02 | 2025-08-21 09:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XX and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure, ECOA disclosure page no #XXX. The loan meets HPML guidelines." - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX, XXXX XXXXXXXXXX XXXX XX #XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX." - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5751 |  |  | Closed | 2025-08-19 02:44 | 2025-09-05 05:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-The mortgage on the subject property is the XXXXX HL #XXXX which has a balance of $XX,XXX, Audited CLTV is lesser than Guideline CLTV, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This is an investment loan. The mortgage (XXXXXXXXXX #XXXX) mentioned in the audit of $XXX,XXX is the mortgage on the primary residence, NOT the first mortgage on the subject property. The mortgage on the subject property is the XXXXX HL #XXXX which has a balance of $XX,XXX. - XXXXX-XX/XX/XXXX <br>Open-Audited CLTV Exceeds Guideline CLTV As per Equity Advantage Elite/Correspondent GL's/Matric Dated XX/XX/XXXX, Calculated CLTV of XXX.XX% exceeds GL CLTV OF XX%, where CLTV calculation is Unpaid paid balance + loan amount /appraised value \*XXX% i.e, $XXXXXX+$XXXXXX = $XXXXXX/$XXXXXX\*XXX% = XXX.XX% <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XX XXX XXXXXXX XXXXXXXX XX XXX XXXXX XX #XXXX XXXXX XXX X XXXXXXX XX $XX,XXX, XXXXXXX XXXX XX XXXXXX XXXX XXXXXXXXX XXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5751 |  |  | Closed | 2025-08-19 09:35 | 2025-09-05 04:33 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Tax Returns Less Than 24 Months Provided | Resolved-GL's allow X year of tax returns for Elite program, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. . Our guidelines for the Elite program allow for X year tax returns. - XXXXX-XX/XX/XXXX <br>Open-Borrower X Business Tax Returns Less Than XX Months Provided Xyr tax returns provided in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XX'X XXXXX X XXXX XX XXX XXXXXXX XXX XXXXX XXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5751 |  |  | Closed | 2025-08-19 09:06 | 2025-08-27 02:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX not required as underwriter not using XXXXXXXXX XXXXXX $XXX.XX income. Total income matches with Loan Approval.Hence Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload. We are not using this income. - XXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Income of XXXXXXXXX XXXXXX $XXX.XX mis matches with XXXX income , as it is not included , Need updated XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXX XXXXXXXX XX XXXXXXXXXXX XXX XXXXX XXXXXXXXX XXXXX $XXX.XX XXXXXX. XXXXX XXXXXX XXXXXXX XXXX XXXX XXXXXXXX.XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7017 |  |  | Closed | 2025-08-20 00:31 | 2025-09-16 12:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Section 50 a6 Signature Date is not signed 12 or more days prior to Closing Date | Resolved-XX day notice provided and updated to disclosure page, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Counter-The disclosure provided is executed and notarized however it is not dated XX days prior to close. Closing date is X/X/XX. The document provided is signed on X/X/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached. - XXXXX-XX/XX/XXXX <br>Counter-The disclosure provided is not notarized and dated post close. The signature date requirement for this document is XX days prior to close. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. signed copy attached. - XXXXX-XX/XX/XXXX <br>Counter-The Notice Concerning Extension of Credit defined by section XX(a)(X), Article XVI, XXXXX Constitution aka (XX Day Letter) provided is not executed - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Ready for Review-The document provided is the XXXXX Home Equity Affidavit and Agreement. The Notice Concerning Extension of Credit defined by section XX(a)(X), Article XVI, XXXXX Constitution aka (XX Day Letter) is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Open-Section XX aX Signature has not been signed within XX days of closing. Missing Notice Concerning Extension of Credit XX(a)(X) (XX Day Letter) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XX XXX XXXXXX XXXXXXXX XXX XXXXXXX XX XXXXXXXXXX XXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXX.XXX_XXXXX_<br> XXXXXXX XXX.XXX_XXXXX_<br> XXXXXXX XXX.XXX_XXXXX_<br> XXXXXXX XXX - XXXXXXXXX.XXX_XXXXX_<br> XX XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7017 |  |  | Closed | 2025-08-23 20:50 | 2025-09-16 12:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Affidavit and Agreement is Missing | Resolved-Validation resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXXX Home Equity Affidavit and Agreement provided and updated to disclosure page, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Open-XXXXX Home Equity Affidavit and Agreement is Missing Missing XXXXX Home Equity Affidavit and Agreement - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXX XXXXXX XXXXXXXXX XXX XXXXXXXXX XXXXXXXX XXX XXXXXXX XX XXXXXXXXXX XXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7017 |  |  | Closed | 2025-08-23 20:50 | 2025-09-16 12:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity PUD Rider is Missing | Resolved-Validation resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXXX Home Equity PUD Rider provided and updated to disclosure page, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. pud attached - XXXXX-XX/XX/XXXX <br>Open-XXXXX Home Equity PUD Rider is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXX XXXXXX XXX XXXXX XXXXXXXX XXX XXXXXXX XX XXXXXXXXXX XXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7017 |  |  | Closed | 2025-08-19 23:25 | 2025-08-26 01:45 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX with correct FICO provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated XXXX attached. - XXXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Borrowers income amount is equal. Per guidelines Qualifying FICO should be Highest Mid score - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. updated XXXX attached. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXX XXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6415 |  |  | Closed | 2025-08-20 06:12 | 2025-08-20 06:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _XX___ and the Final Closing disclosure on Pg#'s __XX__ reflects escrows. Rate lock date was entered correctly – see Pg#'s ___XXX__ An interior and exterior appraisal was completed for this property – see pg _XX-XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__XX_ , and copy of the appraisal was given to the borrower – see Pg#'s _XX____ for the copy of the disclosure. The loan meets HPML guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X _XX___ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X __XX__ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X ___XXX__ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX _XX-XX___ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X__XX_ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X _XX____ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7981 |  |  | Closed | 2025-08-21 04:48 | 2025-09-10 03:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report Provided, Updated & Condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Condition added for the same. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX XXXX XXXXXXXX.XXX_XXXXX_<br> XXX XXXX XXXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7981 |  |  | Closed | 2025-08-21 04:48 | 2025-09-10 03:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Borrower X and Borrower X gap credit reports are missing in file, as per guideline version XX/XX/XXXX, page #XX we need gap credit report with in XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX XXXX XXXXXXXX.XXX_XXXXX_<br> XXX XXXX XXXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7981 |  |  | Closed | 2025-08-21 04:21 | 2025-09-06 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Lender provided VVOE. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing is missing in file, as per guideline version XX/XX/XXXX page #XX we need VOE with in XX business days closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX - XXXXXX XXXXXXXXXXXX XX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5513 |  |  | Closed | 2025-08-21 09:46 | 2025-08-30 20:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender provided income calc worksheet for BX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXX XXXX XXXXXXXXX XXX XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5513 |  |  | Closed | 2025-08-21 09:46 | 2025-08-30 20:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXX XXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5513 |  |  | Closed | 2025-08-21 05:54 | 2025-08-30 20:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided gap credit report for both borrowers. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXXX XXXXXX XXX XXXX XXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXX XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5513 |  |  | Closed | 2025-08-21 05:54 | 2025-08-30 20:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided gap credit report for both borrowers. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXXX XXXXXX XXX XXXX XXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXX XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5513 |  |  | Closed | 2025-08-21 10:14 | 2025-08-27 03:09 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Income mismatch from XXXX to XXXX, provided updated XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Discrepancy in Income from Final XXXX ($XXXXX.XX) to XXX ($XXXXX.XX) and All other monthly payments from XXXX ($XXXXX) to Credit Report ($XXXX). Provide Updated XXXX.<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXX XXXX XX XXXX, XXXXXXXX XXXXXXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8175 |  |  | Closed | 2025-08-21 06:13 | 2025-08-22 10:17 | Acknowledged | 2 - Non-Material C B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Acknowledged-Per external counsel, appropriate to acknowledge to a B. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (XX.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan junior lien threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(iii)) Per external counsel appropriate to acknowledge as a B grade - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXXX XXXXXXX, XXXXXXXXXXX XX XXXXXXXXXXX XX X X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8175 |  |  | Closed | 2025-08-21 07:28 | 2025-08-22 09:58 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception PG - XXXX approved to proceed with agricultural zoning on EA product. Subject is suburban home in residential subdivision with X acre lot. Surrounding land use is mainly residential. No commercial or agricultural use. Zoning of "single family residential and agricultural" does not<br> impact value or marketability - - Due Diligence Vendor-XX/XX/XXXX | Residual Income is $XXXXX. Minimum Residual Income required per guidelines is $XXXX.<br> Borrower is paying Mortgage without delinquencies more than XX months - XX/XX/XXXX <br>| XXXXXX-XXXXXXXXX XX - XXXX XXXXXXXX XX XXXXXXX XXXX XXXXXXXXXXXX XXXXXX XX XX XXXXXXX. XXXXXXX XX XXXXXXXX XXXX XX XXXXXXXXXXX XXXXXXXXXXX XXXX X XXXX XXX. XXXXXXXXXXX XXXX XXX XX XXXXXX XXXXXXXXXXX. XX XXXXXXXXXX XX XXXXXXXXXXXX XXX. XXXXXX XX "XXXXXX XXXXXX XXXXXXXXXXX XXX XXXXXXXXXXXX" XXXX XXX<br> XXXXXX XXXXX XX XXXXXXXXXXXXX - - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXX XX.XX XXX XXX XXXXXXXXXX XX XX%<br> XXXXXXXX XXXXXX-$XX,XXX.XX XXXXXXX XXX XXXXXXXXXX XX XXXX<br> XXXXXXXX XXXXXXX XX XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XXXXXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx8175 |  |  | Closed | 2025-08-21 06:13 | 2025-08-22 10:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. the Final Closing disclosure on Pg#XXX . Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XXXX, and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan does not meet HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XXXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXX XXX XXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5524 |  |  | Closed | 2025-08-21 06:07 | 2025-08-28 07:52 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated XXXX. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached - Buyer-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide updated XXXX with corrected Primary debt and other debts indicating DTI XX.XX% and LTV/CLTV indicating XX.XX%LTV/XX.XX%CLTV. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5524 |  |  | Closed | 2025-08-21 03:29 | 2025-08-28 04:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE prior to close missing verification of business existence required with in XX business days of closing From "XXXXX XXXXXXXXX".<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXX XXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5948 |  |  | Closed | 2025-08-22 02:17 | 2025-09-13 16:07 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Lender provided COC for increase in Title insurance. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC for title provided - Buyer-XX/XX/XXXX <br>Counter-Lender provided COC dated X/X indicating no fee changes. Provide COC for change of Lender's title policy from $XXX(LE X/XX) to $XXX(RLE X/X). Condition unresolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than XX% over the current baseline value of ($X,XXX.XX). The total amount of fees in the XX% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title policy on attached is $XXX.<br> Title policy on X/XX CD is $XXX - Buyer-XX/XX/XXXX <br>Counter-Lender provided updated LE and COC indicating no fees changed. Provide COC for increase in Title policy on X/XX CD, Condition unresolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LE & COC Uploaded - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than XX% over the current baseline value of ($X,XXX.XX). The total amount of fees in the XX% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. LE & COC Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXX XXX XXXXXXXX XX XXXXX XXXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X-X XXX.XXX_XXXXX_<br> X-X XX.XXX_XXXXX_<br> XXXXX XX X_XX.XXX_XXXXX_<br> XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5948 |  |  | Closed | 2025-08-22 02:17 | 2025-09-13 16:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. XXX. An interior and exterior appraisal was completed for this property – see Pg. XX, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg.XX for the copy of the disclosure. The loan meets HPML guidelines. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX. XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX.XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXX XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2845 |  |  | Closed | 2025-08-27 15:32 | 2025-09-11 11:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Provide a revised XXXX for BX & BX correcting income to reflect the income calculation worksheet. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX #XXXX XXXXX XXXX X-XX-XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2845 |  |  | Closed | 2025-08-26 07:51 | 2025-09-11 11:10 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-from the lender: Hello! It looks like an older version of the CD and the correct version were both accidently signed but the loan funded off of the correct CD - Seller-XX/XX/XXXX <br>Counter-In review with management. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The CD issued X/XX and signed X/XX is NOT a PC CD. It looks like the client caught their mistake on the CD issued X/XX and signed at closing and had the borrower sign the actual corrected CD issued X/XX at closing on X/XX without the additional fee. I'm attaching both CD's again for you to re-review. - Seller-XX/XX/XXXX <br>Open-Received and entered PCCD in system. Provide the remaining items including the refund check in the amount of the overcharge, LOE to borrower(s) with proof of delivery of these items. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. client provided the corrected CD signed at closing. - Seller-XX/XX/XXXX <br>Open-This loan contains in ($X,XXX.XX) in origination fees, which includes all fees paid to lender, excluding prepaid interest and impounds. Under the North Carolina Interest Provisions, on a junior lien loan less than $XXX,XXX, the lender may not charge origination fees exceeding X% of the loan amount which is ($X,XXX.XX), when the total points and fees of ($X,XXX.XX) charged to the borrower exceed ($X,XXX.XX), which is X% of the total loan amount. (N.C. Gen. Stat. XX-XX(g)) The total of origination charges $X,XXX.XX is exceeding the NC state limit. Provide PCCD showing credit for the overcharge amount and updating the figures, refund check in the amount of the overcharge, LOE to borrower(s) with proof of delivery of these items. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-from the lender: Hello! It looks like an older version of the CD and the correct version were both accidently signed but the loan funded off of the correct CD - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The CD issued X/XX and signed X/XX is NOT a PC CD. It looks like the client caught their mistake on the CD issued X/XX and signed at closing and had the borrower sign the actual corrected CD issued X/XX at closing on X/XX without the additional fee. I'm attaching both CD's again for you to re-review. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. client provided the corrected CD signed at closing. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XX.XXX_XXXXX_<br> XXXXXXXX XX XXX X.XX.XXX_XXXXX_<br> XXXXXXXX XX XXX X.XX XXX XXXX X.XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2845 |  |  | Closed | 2025-08-27 15:34 | 2025-09-02 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated XXXX - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide a revised XXXX with income matching the income calculation worksheet.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX #XXXX XXXXX XXXX X-XX-XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2845 |  |  | Closed | 2025-08-26 07:29 | 2025-08-29 04:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see fraud report - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see fraud report - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2845 |  |  | Closed | 2025-08-26 06:47 | 2025-08-29 04:42 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX uploaded with corrected FICO, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated XXXX showing correct score - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. GL indicates decision score of primary wage earner which is XXX. Provide a revised XXXX & Loan Approval with the qualifying score according to the GL. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated XXXX showing correct score - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXX XXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX #XXXX XXXXX XXXX X-XX-XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8459 |  |  | Closed | 2025-08-25 06:17 | 2025-08-25 06:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Not Escrowing, the Final Closing disclosure on Pg#'s XXX, reflects No escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8459 |  |  | Closed | 2025-08-25 06:17 | 2025-08-25 06:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Under the Regulations adopted by the XXXXXXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XX.XX%) equals or exceeds the XXXXXXXX Higher-Priced Mortgage threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Not Escrowing, the Final Closing disclosure on Pg#'s XXX, reflects No escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXX XXXXXXXXXXX XXXXXXX XX XXX XXXXXXXX XXXXXXXXXXXX XX XXXXXXXXX XXXXXXXXXX, XX XXXXXXXXXX XX XXXXXXXX XXXXXXX, XXXX XX X XXXXXX-XXXXXX XXXXXXXX. XXX XXXX'X XXX XX (XX.XX%) XXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%). (XXXXX XX.XX.XX.XX(X)(XX); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8081 |  |  | Closed | 2025-09-04 03:53 | 2025-09-06 16:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided COC and revised LE where rate lock increased. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-LC of $XX.XX added in Final Cd, No COC to cure the tolerance. - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXX XXX XXXXXXX XX XXXXX XXXX XXXX XXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8081 |  |  | Closed | 2025-08-25 06:22 | 2025-09-04 03:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file, to run the compliance we need initial CD. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8081 |  |  | Closed | 2025-08-25 04:42 | 2025-09-04 02:12 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested Updated Title Provided with Updated Coverage that Covers Loan Amount, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount of $XXX,XXX, we need updated title commitment with loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XXXXX XXXXXXXX XXXX XXXXXXX XXXXXXXX XXXX XXXXXX XXXX XXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9268 |  |  | Closed | 2025-08-25 02:08 | 2025-09-02 02:11 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX document with FICO score provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' , Required Updated XXXX Document. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXX XXXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8168 |  |  | Closed | 2025-08-26 00:40 | 2025-09-08 15:37 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD entered and Mavent PC run. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXX XXX XXXXXX XX XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8168 |  |  | Closed | 2025-08-26 00:46 | 2025-09-05 15:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Services Provider List provided in Findings: XXXXXXXXXX XXXXXXX XXXXXXXX XXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Missing Service Provider List - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX XXXXXXXX: XXXXXXXXXX XXXXXXX XXXXXXXX XXXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8168 |  |  | Closed | 2025-08-28 13:38 | 2025-09-05 15:33 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Housing Counselors disclosure provided in Findings: XXXXXXXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-The Homeownership Counseling Disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXXXXXX: XXXXXXXXXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8168 |  |  | Closed | 2025-08-25 23:59 | 2025-09-05 15:31 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX provided in Findings (Xnd attachment) reflects FICO of XXX which matches the Qualifying FICO from the Credit Liabilities Page. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX <br>Counter-The XXXX provided does have the FICO score of XXX reflected; however, other changes were made including the income, ratios, CLTV, HCLTV which are incorrect. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. FICO score is missing in XXXX document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XX XXXXXXXX (XXX XXXXXXXXXX) XXXXXXXX XXXX XX XXX XXXXX XXXXXXX XXX XXXXXXXXXX XXXX XXXX XXX XXXXXX XXXXXXXXXXX XXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7483 |  |  | Closed | 2025-09-08 03:29 | 2025-09-12 14:13 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Notary Fee (Fee ID: 56) | Resolved-Upon further compliance review, per XX X:X-XX.X fee is allowed. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-see also this in that same law: (X) The licensee may require a borrower to pay a reasonable legal fee at the time of the execution of the secondary mortgage loan, provided that any legal fee shall represent a charge actually incurred in connection with the secondary mortgage loan and shall not be paid to any person other than an attorney authorized to practice law in this State; provided further that the legal fee shall be evidenced by a statement issued to the licensee from the attorney. - Seller-XX/XX/XXXX <br>Ready for Review-this is a fee charged by the title company-a reasonable fee. Please state why this is not allowed. We do not agree. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXX XXXXXX Residential Mortgage Lending Act (X.X. Rev. Stat. XX:XXC-XX; X.X. ADC X:XX-X.X) does not allow Notary Fee (Fee ID: XX) to be charged to the Borrower in XX. State Specific Condition, The XXX XXXXXX Residential Mortgage Lending Act does not allow Notary Fee. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-see also this in that same law: (X) The licensee may require a borrower to pay a reasonable legal fee at the time of the execution of the secondary mortgage loan, provided that any legal fee shall represent a charge actually incurred in connection with the secondary mortgage loan and shall not be paid to any person other than an attorney authorized to practice law in this State; provided further that the legal fee shall be evidenced by a statement issued to the licensee from the attorney. - Seller-XX/XX/XXXX <br>Ready for Review-this is a fee charged by the title company-a reasonable fee. Please state why this is not allowed. We do not agree. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXX XXXXXXXXXX XXXXXX, XXX XX X:X-XX.X XXX XX XXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7483 |  |  | Closed | 2025-09-08 03:29 | 2025-09-12 14:12 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Courier Fee (Fee ID: 143) | Resolved-Upon further compliance review, per NJ X:X-XX.X fee is allowed. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-this is a fee charged by the title company-a reasonable fee. Please state why this is not allowed. We do not agree. - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Courier Fee (Fee ID: XXX) to be charged to the Borrower in NJ. State Specific Condition, The New Jersey Residential Mortgage Lending Act does not allow Courier Fee. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXX XXXXXXXXXX XXXXXX, XXX XX X:X-XX.X XXX XX XXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7483 |  |  | Closed | 2025-09-08 03:29 | 2025-09-12 14:12 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Commitment Rate Lock Fee (Fee ID: 83) | Resolved-Upon further compliance review, per NJ X:X-XX.X fee is allowed. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We are not seeing any mavent fails regarding the commitment fee - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Commitment (Rate Lock) Fee (Fee ID: XX) to be charged to the Borrower in NJ. State Specific Condition, The New Jersey Residential Mortgage Lending Act does not allow Commitment (Rate Lock) Fee. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. We are not seeing any mavent fails regarding the commitment fee - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXX XXXXXXXXXX XXXXXX, XXX XX X:X-XX.X XXX XX XXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7483 |  |  | Closed | 2025-09-08 03:29 | 2025-09-12 14:12 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Resolved-Upon further compliance review, per NJ X:X-XX.X fee is allowed. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-This fee should be allowed as it is not paid to the lender, it is paid to PCB as noted on the CD - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Flood Certification Fee (Fee ID: XXX) to be charged to the Borrower in NJ. State Specific Condition, The New Jersey Residential Mortgage Lending Act does not allow Flood Certification Fee. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-This fee should be allowed as it is not paid to the lender, it is paid to PCB as noted on the CD - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXX XXXXXXXXXX XXXXXX, XXX XX X:X-XX.X XXX XX XXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7483 |  |  | Closed | 2025-08-25 03:03 | 2025-09-08 11:49 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided evidence of borrower intent to proceed disclosure. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LE and intent to proceed - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed missing in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. LE and intent to proceed - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XX XXXXXXXX XXXXXX XX XXXXXXX XXXXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7483 |  |  | Closed | 2025-08-25 03:03 | 2025-09-08 03:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Requested Initial LE Provided, Updated & Condition Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Initial Loan estimate missing in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7483 |  |  | Closed | 2025-08-25 03:02 | 2025-09-08 03:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Closing disclosure missing in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7483 |  |  | Closed | 2025-08-25 02:20 | 2025-09-03 00:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Final XXXX with corrected income provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated final attached-these however do not need to match as previously mentioned. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete As per Final XXXX and Loan Approval Qualified Monthly income $ XXXXX.XX, however as final XXXX mentioned has $ XX,XXX. required updated Final XXXX document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated final attached-these however do not need to match as previously mentioned. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXX XXXX XXXXXXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9072 |  |  | Closed | 2025-08-25 00:15 | 2025-09-05 01:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate for subject loan provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload. - Buyer-XX/XX/XXXX <br>Open-Missing Flood Certificate in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXXXXX XXX XXXXXXX XXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx7040 |  |  | Closed | 2025-09-09 03:54 | 2025-09-10 09:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-A revised CD along with a COC was provided to correct the increase in the discount points. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Loan Discount Points of $XXX.XX added in Final CD for which we do not have COC in file. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-X XXXXXXX XX XXXXX XXXX X XXX XXX XXXXXXXX XX XXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx7040 |  |  | Closed | 2025-09-05 14:39 | 2025-09-09 09:52 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal 2 missing | Resolved-Received the CU with a score of X.X - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Xnd appraisal for valuation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXX XX XXXX X XXXXX XX X.X - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx7040 |  |  | Closed | 2025-09-04 05:43 | 2025-09-09 09:49 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-the client agrees to waive with the following compensating factors - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXX Approves exc, ok to proceed. - Seller-XX/XX/XXXX <br>Open-Exception Provided page no#XXX, <br> Exception For :- Borrower is an an officer of the broker company - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-XXX Approves exc, ok to proceed. - Seller-XX/XX/XXXX<br>| XXXXXX-XXX XXXXXX XXXXXX XX XXXXX XXXX XXX XXXXXXXXX XXXXXXXXXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XX XX.X%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXX XX XX.XXX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXXXXXXX XXXXXX XX $XXXXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $XXXX.  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxx7040 |  |  | Closed | 2025-09-04 00:31 | 2025-09-09 03:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing In file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9203 |  |  | Closed | 2025-08-28 11:24 | 2025-09-05 15:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-The Article of Incorporation provided in Findings: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X CPA Letter Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Articles of Incorporation for XXXXXXXXXXXXXX was provided in Findings: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX <br>Open-Borrower X CPA Letter Missing CPA or equivalent is missing. XX X.X.X: Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXX XX XXXXXXXXXXXXX XXXXXXXX XX XXXXXXXX: XXXXXXXX XXXXXXXX XX XXXXXXXXXXXXX XXX XXXXXXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXX XX XXXXXXXXXXXXX XXX X-XXXXXXX, XXX XXX XXXXXXXX XX XXXXXXXX: XXXXXXXX XXXXXXXX XX XXXXXXXXXXXXX XXX XXXXXXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXX XX XXXXXXXXXXXXX XXX XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9203 |  |  | Closed | 2025-08-28 11:02 | 2025-09-05 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-The Self-Employed Business Narrative provided in Findings: XXXXXXXXXXXXXXXXXXXXXX Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX <br>Open-The Business Narrative is missing. XX X.X.X: XXXXXXXXX Self-Employed Business Narrative Form (or equivalent) is required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX-XXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXX XX XXXXXXXX: XXXXXXXX XXXXXXXXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9203 |  |  | Closed | 2025-08-26 04:46 | 2025-09-05 01:58 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Borrower X Gap Report is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8376 |  |  | Closed | 2025-08-26 05:09 | 2026-03-25 21:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Upon further review from compliance. The e signed CD is sufficient. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Per seller: The e-signed document is the final CD signed. Most of this package was an eClosing with the exception of documents that require a wet signature like the Note and Deed. - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Provided Final CD on page#XXX is not signed by borrower. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXX XXXXXX XXXX XXXXXXXXXX. XXX X XXXXXX XX XX XXXXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx7639 |  |  | Closed | 2025-08-29 14:54 | 2025-09-05 07:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Resolved. XXXX-C/T not required for Bank Statement loans. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Bank statement loan so we should not need this - Buyer-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-T Missing Borrower X Executed XXXX-T missing at closing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX. XXXX-X/X XXX XXXXXXXX XXX XXXX XXXXXXXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7639 |  |  | Closed | 2025-08-27 01:16 | 2025-09-05 02:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated XXXX Provided with the updated income for BX which is not matching with XXXX hence updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. As mentioned several times before, these do not need to match perfectly. Here it is reprinted for you. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Provided final XXXX page #XXX shows BX income as $XXXX, however; per loan approval and XXXX, BX qualifying income shows $XXXX.XX. Provide updated final XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXXXXXX XXXX XXX XXXXXXX XXXXXX XXX XX XXXXX XX XXX XXXXXXXX XXXX XXXX XXXXX XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8374 |  |  | Closed | 2025-09-04 22:38 | 2026-03-26 09:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Requested Initial LO Sign Date Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see dated signature page - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Initial XXXX is Missing LO Signature date is missing on initial XXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XX XXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8374 |  |  | Closed | 2025-09-07 20:00 | 2025-10-23 13:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Provider's List Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-document attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Required Affiliated Business Disclosure - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX'X XXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8374 |  |  | Closed | 2025-09-07 18:54 | 2025-10-23 13:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-SPL Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-document attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-SPL provided has no providers - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8374 |  |  | Closed | 2025-09-05 00:25 | 2025-09-07 19:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a Xxxxxxxxxx XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the Xxxxxxxxxx XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(iii)) This Xnd lien loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, per the other considerations section of Initial XX issued within X business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s XX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXX XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXX XXXXX XXXXXXXXXXXXXX XXXXXXX XX XXXXXXX XX XXXXXX XXXXXX X XXXXXXXX XXXX XXXX XXX XXXXXXXXXXX XXXX, X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8374 |  |  | Closed | 2025-09-05 00:25 | 2025-09-07 19:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This Xnd lien loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, per the other considerations section of Initial XX issued within X business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s XX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXX XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXX XXXXX XXXXXXXXXXXXXX XXXXXXX XX XXXXXXX XX XXXXXX XXXXXX X XXXXXXXX XXXX XXXX XXX XXXXXXXXXXX XXXX, X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3793 |  |  | Closed | 2025-08-27 03:08 | 2025-09-16 05:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Resolved. Updated business narrative provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. What are you seeing here? Our business narrative shows XXXXX XXXXX is XX% owner. Please clear this. - Seller-XX/XX/XXXX <br>Counter-Business Narrative in file pg XXX reflects ownership of XX% for Borrower X. Operating Agreement pg XXX, reflects ownership at XX%. Provide updated Business Narrative reflecting Ownership of XX% for BX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please be more detailed - Seller-XX/XX/XXXX <br>Open-Business Narrative has variance in ownership percentage. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. What are you seeing here? Our business narrative shows XXXXX XXXXX is XX% owner. Please clear this. - Seller-XX/XX/XXXX <br>Ready for Review-Please be more detailed - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X-XXXXXXXX-XXXXXXXXX---X-X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3793 |  |  | Closed | 2025-08-27 02:18 | 2025-09-08 14:53 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Resolved. XX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Provide the Initial XX, any related XXX's, re-disclosed XX's and the Disclosure Tracking Summary. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX. XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X.-XXXXXXX-XX (X).XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3793 |  |  | Closed | 2025-09-01 07:36 | 2025-09-08 14:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX's and XXX's provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial XX and all disclosures<br> - Seller-XX/XX/XXXX <br>Open-Provide the Initial XX, any related XXX's, re-disclosed XX's and the Disclosure Tracking Summary. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial XX and all disclosures<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX-XX'X XXX XXX'X XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXXXX XX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> X XXXXXXX XX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3793 |  |  | Closed | 2025-09-01 08:26 | 2025-09-05 06:24 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide updated XXXX reflecting correct first lien amount. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8405 |  |  | Closed | 2025-09-01 08:52 | 2025-09-03 18:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Required Borrower X identification Document. (Received USA Patriot Act Information document however Expiry of document unable to Verify). - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXX_XXXXXXXXX XX XXXXX.XXX_XXXXX_<br> XXXX XXXXXXX - XXXXXXX XXX - XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6664 |  |  | Closed | 2025-09-03 14:07 | 2025-09-05 16:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Xrd Party VOE Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX _ XXXXXXXXXX XXXXXXXXX XX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9041 |  |  | Closed | 2025-08-29 03:04 | 2025-09-05 07:59 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved. Updated XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload. - Buyer-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Taxes and insurance amounts are already included in the First lien payment. Provide update XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX. XXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9041 |  |  | Closed | 2025-08-28 23:51 | 2025-09-05 01:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X, Xrd Party VOE Prior to Close missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8462 |  |  | Closed | 2025-09-02 15:10 | 2025-09-24 15:34 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. I show $XX is enough total, see attached initial Le, LECOC, PCCD, and the GFA - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Lender provided COC dated X/XX/XX indicating a loan amount, Interest rate and points change. COC missing for increases in Intangible Tax fee, Lender Title policy fee, and Title endorsement fees. Condition unresolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Provide initial CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. I show $XX is enough total, see attached initial Le, LECOC, PCCD, and the GFA - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> X XXXXXXX XX.XXX_XXXXX_<br> X XXXXX X XX.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8462 |  |  | Closed | 2025-09-02 15:10 | 2025-09-08 09:46 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided evidence of application date and LE delivered within X days of application. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see initial disclosures including initial LE - Buyer-XX/XX/XXXX <br>Open-The Initial Loan Estimate Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(iii)) . - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XX XXXXXXXXXXX XXXX XXX XX XXXXXXXXX XXXXXX X XXXX XX XXXXXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXX.XXX_XXXXX_<br> X-XXXXXXX-XXXXXXXXXXX (X).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8462 |  |  | Closed | 2025-09-02 15:10 | 2025-09-08 09:21 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided initial CD. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) Missing initial CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8462 |  |  | Closed | 2025-08-29 05:14 | 2025-09-05 01:12 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9373 |  |  | Closed | 2025-09-03 15:57 | 2025-09-08 14:53 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-PCCD provided which resolved the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attache.d - Buyer-XX/XX/XXXX <br>Open-Under the California Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in California prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX.X) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXXX XXXXXXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXXXX (X).XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9373 |  |  | Closed | 2025-08-28 23:08 | 2025-09-05 02:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VOe attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE within XX days Prior to Closing is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5064 |  |  | Closed | 2025-08-29 03:59 | 2025-09-17 07:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Acknowledgment of Fair Market Value of Homestead Property is Missing | Resolved-Requested Acknowledgment of Fair Market Value of Homestead Property Document Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Acknowledgement of Fair Market Value uploaded for review. - Seller-XX/XX/XXXX <br>Open-Acknowledgment of Fair Market Value of Homestead Property is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Acknowledgement of Fair Market Value uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXXXXXXX XX XXXX XXXXXX XXXXX XX XXXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXX XX XXXX XXXXXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5064 |  |  | Closed | 2025-08-29 04:20 | 2025-09-17 07:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Title Endorsements (T-2, T-19, T-17, T-42, T-42.1) Missing | Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Required endorsements provided by lender. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See page X of upload. Shows T-XX Title Endorsement included. - Buyer-XX/XX/XXXX <br>Counter-The endorsements missing are T-XX (as property is a PUD, T-XX, T-XX OR T-XX.X. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-I need to know which docs you are requesting - Buyer-XX/XX/XXXX <br>Open-One or more of the docs TX, TXX, TXX, TXX, TXX.X is Missing - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-One or more of the docs are missing? Please tell me which documents you need. - Seller-XX/XX/XXXX <br>Open-One or more of the docs TX, TXX, TXX, TXX, TXX.X is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-One or more of the docs are missing? Please tell me which documents you need. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXXXXXXX XXXXXXXX XX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXXX XXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5064 |  |  | Closed | 2025-08-29 04:20 | 2025-09-17 07:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Receipt of Documents uploaded for review. - Seller-XX/XX/XXXX <br>Open-Texas Home Equity Receipt Of Documents is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Receipt of Documents uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXXXXX XX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5064 |  |  | Closed | 2025-08-29 04:20 | 2025-09-17 07:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Premium Pricing Disclosure T64 Form is Missing | Resolved-Requested T-XX Disclosure Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. TXX uploaded for review. - Seller-XX/XX/XXXX <br>Open-Premium Pricing Disclosure TXX Form is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. TXX uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX X-XX XXXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5064 |  |  | Closed | 2025-08-29 03:59 | 2025-09-09 08:01 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved-Per document provided there is a relationship between LO and Mortgage Company. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LO license uploaded for review. - Seller-XX/XX/XXXX <br>Open-A relationship between XXX XXXXXXX (NMLS ID: XXXXXX) and the company (Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. LO license uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX XXXXXXXX XXXXX XX X XXXXXXXXXXXX XXXXXXX XX XXX XXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8398 |  |  | Closed | 2025-09-03 03:13 | 2025-09-03 03:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx8398 |  |  | Closed | 2025-09-03 03:13 | 2025-09-03 03:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx2128 |  |  | Closed | 2025-09-03 02:38 | 2025-09-03 02:51 | Resolved | 1 - Information A | Compliance | Predatory:DocType | Maine - Ability To Repay Documentation Required (Higher Priced)(10/2013) | Resolved-This is a Maine Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in Me. Rev. Stat. Ann. Tit. X-A X-XXX(X) should be applied to determine a lender's compliance with this requirement. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXX XXXXXX-XXXXXX XXXXXXXX XXXX. X XXXXXX XXXX XXXXXXXXX X XXXXXXXX'X XXXXXXXXX XXXXXXX, XXXXX XXX XXXXXXXX'X XXXXXXX XXX XXXXXXXX XXXXXX, XXXXXXXXXX, XXXXXX XXXXX XXXX XXX XXXXXXXXXX, XXXXXXX XXXXXXXXXXX, XXX XXXXXXXX-XXXXXXX XXXXXXXXXXX. XXX XXXXXXXXXXX XXX XXXXXXXXX XXX XXXXX XX XX. XXX. XXXX. XXX. XXX. X-X X-XXX(X) XXXXXX XX XXXXXXX XX XXXXXXXXX X XXXXXX'X XXXXXXXXXX XXXX XXXX XXXXXXXXXXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX,XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8698 |  |  | Closed | 2025-09-07 10:28 | 2025-09-21 08:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-BWR signed final CD provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure The final CD was present, however it was not signed by the borrower. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXX (XX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8698 |  |  | Closed | 2025-09-03 00:31 | 2025-09-21 08:47 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP dated X/XX/XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Given Intent to Proceed on page #XXX, is not executed, provide updated Intent to Proceed with borrower signature. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX X/XX/XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX XXXXXXX (X).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0268 |  |  | Closed | 2025-09-09 16:11 | 2025-09-29 10:44 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Correct PCCD provided - Buyer-XX/XX/XXXX <br>Counter-The XXX.XXX states that in the attached PCCD, the taxes are showing under Section H but when reviewing the XXXX.XXX document provided, the $XX,XXX.XX is still in Section B. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Lox and PCCD provided taxes located in wrong section of icd - Seller-XX/XX/XXXX <br>Counter-Delinquent taxes of $XX,XXX.XX are not a fee that borrower can shop for and because they are reflected in Section B, this is causing the increase in the XX% fee variance and compliance issues. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC Provided - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. items were disclosed on initial LE - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Lox and PCCD provided taxes located in wrong section of icd - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. items were disclosed on initial LE - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXXXXX_XX_XXXXXXXXXXXX.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> XXXXXXXXXXXX_XXXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0268 |  |  | Closed | 2025-09-09 16:11 | 2025-09-29 10:44 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Correct PCCD provided - Buyer-XX/XX/XXXX <br>Counter-The XXX.XXX states that in the attached PCCD, the taxes are showing under Section H but when reviewing the XXXX.XXX document provided, the $XX,XXX.XX is still in Section B. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The XXX.XXX states that in the attached PCCD, the taxes are showing under Section H but when reviewing the XXXX.XXX document provided, the $XX,XXX.XX is still in Section B. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Lox and PCCD provided taxes located in wrong section of icd - Seller-XX/XX/XXXX <br>Counter-Delinquent taxes of $XX,XXX.XX are not a fee that borrower can shop for and because they are reflected in Section B, this is causing the increase in the XX% fee variance and compliance issues. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC Provided - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. items were disclosed on initial LE - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Lox and PCCD provided taxes located in wrong section of icd - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC Provided - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX_XXXXXXXX.XXX_XXXXX_<br> XXXXXX_XX_XXXXXXXXXXXX.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> XXXXXXXXXXXX_XXXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0268 |  |  | Closed | 2025-09-09 16:11 | 2025-09-29 10:44 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Correct PCCD provided - Seller-XX/XX/XXXX <br>Counter-The XXX.XXX states that in the attached PCCD, the taxes are showing under Section H but when reviewing the XXXX.XXX document provided, the $XX,XXX.XX is still in Section B. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Lox and PCCD provided taxes located in wrong section of icd - Buyer-XX/XX/XXXX <br>Counter-Delinquent taxes of $XX,XXX.XX are not a fee that borrower can shop for and because they are reflected in Section B, this is causing the increase in the XX% fee variance and compliance issues. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XX,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC Provided - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-items were disclosed on initial LE - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XX,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Correct PCCD provided - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC Provided - Seller-XX/XX/XXXX <br>Ready for Review-items were disclosed on initial LE - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX_XX_XXXXXXXXXXXX.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> XXXXXXXXXXXX_XXXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0268 |  |  | Closed | 2025-09-09 15:55 | 2025-09-11 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Certification of Trust provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Title is in the name of the trust. The Trust Agreement is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXXX XX XXXXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXX XX XXXXX XXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXX - XXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8986 |  |  | Closed | 2025-09-06 02:36 | 2025-09-15 03:50 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Proof for Lien Payoff provided. Hence resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Property Title Issue Utility Lien reflects in Title Report Page #XXX. Provide proof if the lien has been paid off - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX XXXX XXXXXX XXXXXXXX. XXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXX XXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX-XXXXXXX XXX.XXX_XXXXX_<br> XXXXXXXX-XXXXXXX XXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx8986 |  |  | Closed | 2025-09-05 23:03 | 2025-09-11 06:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provide HUD-X Document is not properly document and has been cut off. Provide clear copy of Final HUD-X Document - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9258 |  |  | Closed | 2025-09-06 02:25 | 2025-09-10 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-File has been updated to reflect the provided XXXX. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provided XXXX reflecting subordinate lien P&I as $X,XXX.XX whereas per Note pg-XXX P&I is $X,XXX.XX. Due to which HTI , DTI varies. Require updated XXXX with corrected values. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXX XXXX XXXXXXX XX XXXXXXX XXX XXXXXXXX XXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9258 |  |  | Closed | 2025-09-06 04:21 | 2025-09-10 09:32 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-File has been updated to reflect the provided XXXX. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX sent with corrected P&I and all other payments. - Seller-XX/XX/XXXX <br>Open-DTI discrepancy is due to P&I and all other monthly payments: X) Provided XXXX reflecting subordinate lien P&I as $X,XXX.XX whereas per Note pg-XXX P&I is $X,XXX.XX. X). All other monthly payments considered by U/W is $XX,XXX.XX where as calculated all other monthly is $XX,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX sent with corrected P&I and all other payments. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXX XXXX XXXXXXX XX XXXXXXX XXX XXXXXXXX XXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9258 |  |  | Closed | 2025-09-06 04:06 | 2025-09-10 09:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The increase happened on the X/XX LE, both the COC and LE are attached. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Require COC for initial CD dated XX/XX where Broker fees increased to $X,XXX from $X,XXX (initial LE). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The increase happened on the X/XX LE, both the COC and LE are attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXX.XXX_XXXXX_<br> XX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9258 |  |  | Closed | 2025-09-06 04:06 | 2025-09-10 00:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Missing rate lock evidence in file. No COC or Lock agreement provided where rate is locked. Provided initial LE is not locked. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1114 |  |  | Closed | 2025-09-08 03:35 | 2025-09-08 13:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception for a combined loan amount of more than $X.XM - investment loan properties (guideline is allowing for primary residence only) . Page#XXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXX XXXX XXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXX XXX X XXXXXXXX XXXX XXXXXX XX XXXX XXXX $X.XX - XXXXXXXXXX XXXX XXXXXXXXXX (XXXXXXXXX XX XXXXXXXX XXX XXXXXXX XXXXXXXXX XXXX) . XXXX#XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXX XX X.XX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X.<br> XXX XX X.XXX, XXXX XX.XXX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX. | XX | Investment | Refinance | Cash Out - Other | XX | Originator Post-Close | Yes |
| XXXX | xxxxxx1124 |  |  | Closed | 2025-09-12 02:06 | 2025-09-15 06:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan exception in file - see comp factors. - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Loan does not conform to program guidelines Document Uploaded. Exception for a combined loan amount of more than $X.XM - investment loan properties (guideline is allowing for primary residence only) . Page #XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXX XXXXXXXXX XX XXXX - XXX XXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXX XXXX XXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXX XXXXXXXX. XXXXXXXXX XXX X XXXXXXXX XXXX XXXXXX XX XXXX XXXX $X.XX - XXXXXXXXXX XXXX XXXXXXXXXX (XXXXXXXXX XX XXXXXXXX XXX XXXXXXX XXXXXXXXX XXXX) . XXXX #XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXX.XXX |  | '-XXX XX X.XXX & XXXX XX.XXX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX% XXXXX XX XX.XX% XXXX XXXX XXX.<br> - XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> - X XXX XXXX XXX XXXXXXX XXXXXX XXXXX. | XX | Investment | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx8502 |  |  | Closed | 2025-09-05 08:26 | 2025-09-11 01:41 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-LOX not required since other person Spouse. Reserves not required for Xnd lien files. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Access letter not required by our guidelines. The person on the account is also on vesting - Due Diligence Vendor-XX/XX/XXXX <br>Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Bank statement page #XXX showing Borrower and other name, however access letter is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXX XXXXXXXX XXXXX XXXXX XXXXXX XXXXXX. XXXXXXXX XXX XXXXXXXX XXX XXX XXXX XXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0026 |  |  | Closed | 2025-09-16 12:38 | 2025-09-19 10:16 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Seller does not agree-please see provider list and fees comparison - Buyer-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Provide COC. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXXXX XX.XXX_XXXXX_<br> XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0026 |  |  | Closed | 2025-09-16 12:38 | 2025-09-19 10:15 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Lender provided COC along with internal compliance testing. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Seller does not agree-please see provider list and fees comparison - Seller-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Provide COC. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Seller does not agree-please see provider list and fees comparison - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXX XXXX XXXXXXXX XXXXXXXXXX XXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0026 |  |  | Closed | 2025-09-16 12:38 | 2025-09-19 10:10 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Lender provided COC along with internal compliance testing. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Seller does not agree-please see provider list and fees comparison - Seller-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). Provide COC. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Seller does not agree-please see provider list and fees comparison - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXX XXXX XXXXXXXX XXXXXXXXXX XXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXXXX XX.XXX_XXXXX_<br> XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0026 |  |  | Closed | 2025-09-10 13:21 | 2025-09-16 13:09 | Resolved | 1 - Information C A | Compliance | Compliance | TRID CD date violation; receipt date of initial Closing Disclosure can't be determined | Resolved-Lender provided initial CD. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_<br> Open-Provide initial CD. Subject to additional conditions upon review. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0026 |  |  | Closed | 2025-09-04 08:41 | 2025-09-12 13:37 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Unable to Resolve-Unable to Resolve-XX approves this exception - Seller-XX/XX/XXXX _xXXXD_<br> Open-Exception document available on page # XXX.<br>As per XXXXXXXXXX page # XX self-employed for at least X years <br> Exception for business in existence for business was established in X/XX with previous work in the same field .<br> Exception requested for borrower's business has not existed for X years. It <br> was established XX/XX/XXXX. Borrower is an attorney who had worked for the local govt before <br> becoming self employed. (supporting documentation has been requested). XXXXXX XXXXXXXX product. <br> CLTV Unable to Resolve-Unable to Resolve-XX approves this exception - Seller-XX/XX/XXXX_xXXXD_<br> XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_<br> XXXXXXXX XXXXXX XX $XXXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $XXXX. <br> XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> XXXXXXXX(X) XXXX XX.XX XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX.<br> XX Primary Residence Refinance Cash Out - Other XX Investor Post-Close No |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | xxxxxx1123 |  |  | Closed | 2025-09-11 07:46 | 2025-09-12 04:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Xst Lien Note Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_<br> Open-Provide legal documents for senior lien, Missing in File - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXX XXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XX XXXXXXX XXXX_XXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1123 |  |  | Closed | 2025-09-11 08:27 | 2025-09-12 04:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Photo ID DL Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide Borrower X Photo Identification, Missing in File - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXX XX XX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9096 |  |  | Closed | 2025-09-10 10:04 | 2025-09-16 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Certificate of Naturalization provided in Findings: XXX.XXX. Updated the XXXX & Fraud screens. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. BX Permanent Residence Card is missing. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXXXX X XXX-XX XXXXXXX XXXXXXXXXXXXXX XXXXXXXX XXXXXXX. XXXXXX XXXXXXX XXXXXXXXXX XXXXXXXXXXXXX. XXXXXXXXXXX XX XXXXXXXXXXXXXX XXXXXXXX XX XXXXXXXX: XXX.XXX. XXXXXXX XXX XXXX & XXXXX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6079 |  |  | Closed | 2025-09-08 00:52 | 2025-09-15 09:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Business License - Borrower X Xrd Party VOE Prior to Close Provided - Resolved. <br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXXXX XXXXXXX - XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXXXXXXX - XXXXXXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX, XXXX XXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6079 |  |  | Closed | 2025-09-08 02:23 | 2025-09-15 01:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Requested HOI Policy with Correct Property Address Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Hazard Insurance Policy Partially Provided Provided Property Insurance property address is not matching where as Premium is matched with Lender Loan information. Provide updated document with correct property Address. The Location of the property insured on the Dec Page, p XXX, reflects XXXX XXXXX XX, XXXXXXXX, XX instead of the subject property address of XXXX XXXXX XXXXXX, XXXXXXX, XX. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6079 |  |  | Closed | 2025-09-10 18:34 | 2025-09-12 17:11 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-EIN provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. EIn was in the file - Buyer-XX/XX/XXXX _xXXXX_<br> Open-The DOT / Vesting is in the name of XX . The business documents for XX are in file however the EIN is missing for XX - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXX_ | XXXXXXXX-XXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX _XXX.XXX_X-X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9210 |  |  | Closed | 2025-09-10 15:12 | 2025-09-17 07:51 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. XXXX. An interior and exterior appraisal was completed for this property – see Pg. XX, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. XX, XXX for the copy of the disclosure. The loan meets HPML guidelines. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. Missing COC with specific fee changes. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX. XXXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX. XX, XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9210 |  |  | Closed | 2025-09-10 15:12 | 2025-09-17 07:51 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-PCD provided. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). . - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing COC with specific fee changes. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXX XXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9210 |  |  | Closed | 2025-09-10 15:12 | 2025-09-17 07:51 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-PCD provided. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). . - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). Missing COC with specific fee changes. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXX_ | XXXXXXXX-XXX XXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9210 |  |  | Closed | 2025-09-10 15:12 | 2025-09-17 07:51 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-PCD provided. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Missing COC with specific fee changes. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXX_ | XXXXXXXX-XXX XXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9210 |  |  | Closed | 2025-09-10 15:12 | 2025-09-17 07:51 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-PCD provided. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please review upoload - Seller-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upoload - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXX XXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9210 |  |  | Closed | 2025-09-10 15:12 | 2025-09-17 07:51 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. XXXX. An interior and exterior appraisal was completed for this property – see Pg. XX, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. XX, XXX for the copy of the disclosure. The loan meets HPML guidelines. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX. XXXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX. XX, XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9210 |  |  | Closed | 2025-09-10 15:12 | 2025-09-16 13:46 | Resolved | 1 - Information C A | Compliance | TRID | TRID Lender's and Owner's Title Insurance Policy Amounts Validation Test | Resolved-Lender provided PCD. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TRID Lender's and Owner's Title Insurance Policy Amounts validation test.This loan contains a value for one, but not both of the following fields:As Disclosed Lender's Title Insurance Policy and Actual Lender's Title Insurance Policy; orAs Disclosed Owner's Title Insurance Policy and Actual Owner's Title Insurance Policy.The CFPB's Official Interpretations to the TILA-RESPA Integrated Disclosure (TRID) Final Rule requires the use of a specific calculation to arrive at the value to be provided on the disclosure forms. The Lender's Title Insurance Policy is always disclosed as the full policy amount, even if a simultaneous issue of the Owner's Title Insurance Policy is present. The Owner's Title Insurance Policy is calculated by taking the full owner's title insurance premium, adding the simultaneous issuance premium for the lender's coverage (if any), and then deducting the full premium for the lender's coverage. The value derived from this calculation is required for accurate tolerance testing under TRID, and should be entered in the "as disclosed" field in ComplianceAnalyzer.The "as disclosed" value derived from the above calculation, however, generally will not be representative of the actual value paid for the title insurance. Therefore it cannot be used for testing state and federal fee thresholds, as it will likely yield incorrect results for such tests. Accordingly, the actual value paid for the title insurance must be entered in the corresponding "actual" title insurance policy field(s). If there is no difference between the actual and disclosed values for either the owner's or lender's title insurance, please enter the same value in the "actual" and "as disclosed" fields. For more information on how these fields are used, please refer to the glossary. Missing COC with specific fee changes. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXX XXXXXXXX XXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5087 |  |  | Closed | 2025-09-23 12:14 | 2025-09-24 08:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. . - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5087 |  |  | Closed | 2025-09-10 18:24 | 2025-09-23 12:33 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Fee increased on X/XX LE - Buyer-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-COC not required as fees were originally disclosed in Section C and carry a XX% tolerance. It does not change to X tolerance because fees are now in section B. Reg Z XX(e)(X)(ii)-X - Buyer-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXX XXX XXX XXXXXX XXXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5087 |  |  | Closed | 2025-09-10 18:24 | 2025-09-23 12:33 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Fee increased on X/XX LE - Buyer-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-COC not required as fees were originally disclosed in Section C and carry a XX% tolerance. It does not change to X tolerance because fees are now in section B. Reg Z XX(e)(X)(ii)-X - Buyer-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXX XXX XXX XXXXXX XXXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5087 |  |  | Closed | 2025-09-12 15:38 | 2025-09-23 12:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Fee increased on X/XX LE - Buyer-XX/XX/XXXX _xXXXX_<br> Counter- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXX XXX XXX XXXXXX XXXXX XXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3823 |  |  | Closed | 2025-09-12 22:18 | 2025-09-16 02:07 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Requested revised approval with the applicable rental amount provided hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Loan approval and loan application state rental income of $X,XXX with no leases in file to support the amount. The appraisal has market rent of $X,XXX and current monthly rent as $X,XXX. Provide supporting documentation for the $X,XXX amount or revised approval with the applicable rental amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXXX XXXXXXX XXXXXXXX XXXX XXX XXXXXXXXXX XXXXXX XXXXXX XXXXXXXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XX_XXXXXXX XXXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3217 |  |  | Closed | 2025-09-10 02:14 | 2025-09-11 11:32 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Meets HPML - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9649 |  |  | Closed | 2025-09-09 03:21 | 2025-09-19 04:10 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Updated Completion Report (442/1004D) | Resolved-The installation of the safety straps has been completed on XX/XX/XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-The Appraisal on page XX states that it was Subject-To following repairs, Provide XXXX document as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXX XXXXXXXXXXXX XX XXX XXXXXX XXXXXX XXX XXXX XXXXXXXXX XX XX/XX/XXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXXX XXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8213 |  |  | Closed | 2025-09-06 09:50 | 2025-09-13 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Lender provided Xrd party VOE post close indicating business active. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing VOE missing in file. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXX XXX XXXX XXXXX XXXXXXXXXX XXXXXXXX XXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX _ XXXXXXXXXX XXXXXXXXX XX XXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8245 |  |  | Closed | 2025-09-06 11:35 | 2025-09-16 13:46 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Lender provided PC CD with updated disbursement date. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Disbursement showing X/XX - Buyer-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Note date is XX/XX/XXXX but borrower signed the closing on documents XX/XX/XXXX, hence right of recession date moved to XX/XX/XXXX but under final CD disbursement date reflecting as XX/XX/XXXX, it needs to be update as XX/XX/XXXX. We need PCCD for new disbursement date. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXX XXXXXXXX XX XX XXXX XXXXXXX XXXXXXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXXX - XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8245 |  |  | Closed | 2025-09-06 10:12 | 2025-09-16 05:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower Income Qualified from P&L and P&L statement is missing in file, Provided P&L statement, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X YTD Profit & Loss Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Borrower X YTD Profit & Loss Missing Borrower income qualified with YTD profit loss statement but CPA prepared profit &loss statement is missing in file. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX XXXXXX XXXXXXXXX XXXX X&X XXX X&X XXXXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX X&X XXXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX & XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X&X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9046 |  |  | Closed | 2025-09-09 00:02 | 2025-09-16 10:35 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Lender provided CD indicating disbursement date of X/XX. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Per CD in file disbursement date is XX/XX/XXXX which also the last day to cancel. Provide evidence of disbursement of funds on or after X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXX XXXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XXXX XX X/XX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XX XXX XXX XXXXXXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-16 05:38 | 2025-10-14 14:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Requirements of HPML have been met. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXXXXX XX XXXX XXXX XXXX XXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-16 05:38 | 2025-10-14 14:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Lender provided all relevant CDs and COCs for loan increases. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LOE, CD and COC uploaded for review. - Buyer-XX/XX/XXXX <br>Counter-Loan discount points $XXXX.XX increase at Final CD + Title Endorsement fee $XXX increase at Final CD + Recording Fee $XX increase at Final CD + Lender credit $X increase at final cd = Total of $XXXX.XX. COC for increases or PC CD with LOX, proof of cure and proof of delivery is sufficient to clear. Finding countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Seller has requested a break down of the fees you are saying increased. Please give exact fee increases for the Discount Point, Endorsement Fee, Recording Fee and Lender Credit so that the seller knows how much the fees increased and what needs to be corrected. - Seller-XX/XX/XXXX <br>Open-Upon review of the most recent XX in file, after receipt of the Initial CD issued X/X the following fees increased at closing without appropriate COC in file, Discount point, Endorsement fee, Recording fee and Lender credits. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Seller has requested a break down of the fees you are saying increased. Please give exact fee increases for the Discount Point, Endorsement Fee, Recording Fee and Lender Credit so that the seller knows how much the fees increased and what needs to be corrected. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXXXXX XXX XXX XXXX XXX XXXX XXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXX XXX XX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-16 05:38 | 2025-10-14 14:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Lender provided all relevant CDs and COCs for loan increases. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LOE, CD and COC uploaded for review. - Buyer-XX/XX/XXXX <br>Counter-Loan discount points $XXXX.XX increase at Final CD + Title Endorsement fee $XXX increase at Final CD + Recording Fee $XX increase at Final CD + Lender credit $X increase at final cd = Total of $XXXX.XX. COC for increases or PC CD with LOX, proof of cure and proof of delivery is sufficient to clear. Finding countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Seller has requested a break down of the fees you are saying increased. Please give exact fee increases for the Discount Point, Endorsement Fee, Recording Fee and Lender Credit so that the seller knows how much the fees increased and what needs to be corrected. - Seller-XX/XX/XXXX <br>Open-Upon review of the most recent XX in file, after receipt of the Initial CD issued X/X the following fees increased at closing without appropriate COC in file, Discount point, Endorsement fee, Recording fee and Lender credits. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Seller has requested a break down of the fees you are saying increased. Please give exact fee increases for the Discount Point, Endorsement Fee, Recording Fee and Lender Credit so that the seller knows how much the fees increased and what needs to be corrected. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXXXXX XXX XXX XXXX XXX XXXX XXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXX XXX XX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-16 05:38 | 2025-10-14 14:49 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Lender provided all relevant CDs and COCs for loan increases. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LOE, CD and COC uploaded for review. - Buyer-XX/XX/XXXX <br>Counter-This condition will clear once other conditions are clear. Finding countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-?????? Yes, the borrower has until midnight of the XXth to cancel and then if they don't the loan disburses on the XXth. What's the issue? - Buyer-XX/XX/XXXX <br>Counter-PC CD provided shows disbursement date of X/XX/XXXX however notice or right to rescind has cancel date of X/XX/XXXX. Finding countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Final CD uploaded showing closing date. Please tell me what you need to clear this condition if this is not it. - Seller-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Final CD uploaded showing closing date. Please tell me what you need to clear this condition if this is not it. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXXXXX XXX XXX XXXX XXX XXXX XXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXX XX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXX XXX XX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-16 05:38 | 2025-10-14 14:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Lender provided all relevant CDs and COCs for loan increases. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LOE, CD and COC uploaded for review. - Seller-XX/XX/XXXX <br>Counter-Loan discount points $XXXX.XX increase at Final CD + Title Endorsement fee $XXX increase at Final CD + Recording Fee $XX increase at Final CD + Lender credit $X increase at final cd = Total of $XXXX.XX. COC for increases or PC CD with LOX, proof of cure and proof of delivery is sufficient to clear. Finding countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Seller has requested a break down of the fees you are saying increased. Please give exact fee increases for the Discount Point, Endorsement Fee, Recording Fee and Lender Credit so that the seller knows how much the fees increased and what needs to be corrected. - Buyer-XX/XX/XXXX <br>Open-Upon review of the most recent XX in file, after receipt of the Initial CD issued X/X the following fees increased at closing without appropriate COC in file, Discount point, Endorsement fee, Recording fee and Lender credits. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. LOE, CD and COC uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXXXXX XXX XXX XXXX XXX XXXX XXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXX XXX XX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-16 05:38 | 2025-10-14 14:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Requirements of HPML have been met. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, 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 XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXX XX XXXX XXXX XXXX XXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-07 00:35 | 2025-09-16 05:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD Provided. Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial CD uploaded for review. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Cd is missing in file, hence Unable to perform Mavent, Need Initial CD<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial CD uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XX XXXXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-06 23:31 | 2025-09-16 03:04 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Credit Report Provided, Now FICO is matching with XXXX FICO hence condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'null' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Credit Report is Missing in file, Finding added for the same - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXX XXXXXXXX, XXX XXXX XX XXXXXXXX XXXX XXXX XXXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-06 23:21 | 2025-09-16 03:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Business Bank Statements Missing | Resolved-Requested XX Months BBS Provided, Updated & Condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Business Bank Statements uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Borrower X income qualified from Business bank statements, but no Bank statements provided in file, Considered income as per Income Worksheet on pg XXX, Need XX months Business bank statements<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Business Bank Statements uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XX XXXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXXXX XXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-06 23:21 | 2025-09-16 03:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Requested XX Months BBS Provided, Updated & Condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Business Bank Statements uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Borrower X income qualified from Business bank statements, but no Bank statements provided in file, Considered income as per Income Worksheet on pg XXX, Need XX months Business bank statements<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Business Bank Statements uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XX XXXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXXXX XXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-07 00:24 | 2025-09-16 03:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-After Updating Tradelines from Credit Report, Now DTI of XX.XX% is within the XXXXXXXXX DTI of XX% hence condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Audited DTI of XX.XX% is less than or equal to XXXXXXXXX DTI of XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit Report and Business Bank Statement uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of X% Credit Report is missing in file, no payments to match XXXX all other monthly payments, hence DTI is X%, Finding added for Credit Report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXX XXXXXXXXXX XXXX XXXXXX XXXXXX, XXX XXX XX XX.XX% XX XXXXXX XXX XXXXXXXXXX XXX XX XX% XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXX XX XX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXXXX XXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-06 23:31 | 2025-09-16 02:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Requested BX Credit Report Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit Report uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. BX Credit Report is Missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1359 |  |  | Closed | 2025-09-06 23:31 | 2025-09-16 02:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested BX Credit Report Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit Report uploaded for review. - Seller-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. BX Credit Report is Missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit Report uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8633 |  |  | Closed | 2025-09-09 23:58 | 2025-09-10 00:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX,XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX. The loan Meets XXXX guideline, resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX,XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX. XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9745 |  |  | Closed | 2025-09-12 15:00 | 2025-10-07 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA letter verifying XXX% ownership is in Findings: XXXXXXXXXXXXXXXXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X CPA Letter Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PleASE REVIEW UPLOAD - Buyer-XX/XX/XXXX <br>Open-Borrower X CPA Letter Missing Missing CPA letter. Per GLs, Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXXXXX XXX% XXXXXXXXX XX XX XXXXXXXX: XXXXXXXXXXXXXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8816 |  |  | Closed | 2025-09-09 04:41 | 2025-09-22 10:20 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Response from seller uploaded for review. - Buyer-XX/XX/XXXX <br>Ready for Review-Provide COC for the following fee increases: Lender's Title Insurance, Notary, and Tax Service fee added to section B. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please give some clarification on what fees are in violation. 'One or more of the final charges exceed the comparable amount' does not show what fees are out of compliance. - Buyer-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Required COC for Final CD for the increase in fees. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8816 |  |  | Closed | 2025-09-09 04:41 | 2025-09-22 10:20 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Response from seller uploaded for review. - Buyer-XX/XX/XXXX <br>Counter-Providing a satisfactory COC for the following fee increases: Lender's Title Insurance, Notary, and Tax Service fee added to section B may resolve the related condition. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-???? Please clarify what you are looking for. This condition doesn't really make any sense. - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. No reimbursement amount in Final CD. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8816 |  |  | Closed | 2025-09-09 04:41 | 2025-09-22 10:20 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Response from seller uploaded for review. - Buyer-XX/XX/XXXX <br>Counter-Providing a satisfactory COC for the following fee increases: Lender's Title Insurance, Notary, and Tax Service fee added to section B may resolve the related condition. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Again, please clarify. Condition doesn't make any sense. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. No reimbursement date in Final CD. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Again, please clarify. Condition doesn't make any sense. - Seller-XX/XX/XXXX<br>| XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8816 |  |  | Closed | 2025-09-12 17:30 | 2025-09-18 21:43 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception. Borrower has an individual policy that provides full coverage of the property. - Buyer-XX/XX/XXXX <br>Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per XX.X.X. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX% XXX, XXX XX XX%<br> >$XX XXXXXXXX XXXXXX, XXX XX $X,XXX<br> XXXXXXXX XXX XX XXXXXXXXXX XXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX XXX XXXXXXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8816 |  |  | Closed | 2025-09-09 01:22 | 2025-09-16 10:13 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Lender provided evidence of Title indicating coverage of $XXXXXX. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XX XXXXX XXXXXXXXXX XXXXXXXX XX $XXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXXXXX - XXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0477 |  |  | Closed | 2025-09-11 00:10 | 2025-09-23 15:45 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-On a Second Lien, the escrow impounds from the Xst lien from the Mortgage Statement should be included in the DTI calculation. On the attached XXXX, the escrows from the Xst lien of $XXX.XX are not included which is causing the HTI/ DTI discrepancy. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The P&I is $X,XXX.XX. The mortgage statement you are referring to also includes impounds (the $XXX.XX) which should not be included with the P&I. Uploaded XXXX is showing XXX. the only thing missing would be the updated XXXX with updated tradeline. Anything else? - Seller-XX/XX/XXXX <br>Counter-The attached XXXX is not updated reflecting needed changes. Provide updated XXXX with correct DTI,HTI and First P&I. HTI discrepancy on the loan, as per the HTI calculations our calculated HTI is XX.XX% but Originator HTI is XX.XX% as per XXXX page XXX. Variance is X.XX. DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.X% but Originator DTI is XX.XX% as per XXXX page XXX. Variance is X.XX. due to difference in First Mortgage P&I as per XXXX page XXX First Mortgage P&I is reflecting $XXXX.XX whereas as per final XXXX page XXX and Mortgage statement page XXX mortgage payment is $XXXX.XX. difference is $XXX.XX. and tradeline XXXXX/XXXX XXXXXX #XXXX reflecting $XXX in final XXXX but in Gap credit report its reflecting $XXX updated as per Gap report. Audited Primary Wage Earner Decision Score is XXX per CBR page XX whereas XXXX on page XXX show fico XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide updated XXXX with correct DTI,HTI and First P&I.<br> HTI discrepancy on the loan, as per the HTI calculations our calculated HTI is XX.XX% but Originator HTI is XX.XX% as per XXXX page XXX. Variance is X.XX.<br> DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.X% but Originator DTI is XX.XX% as per XXXX page XXX. Variance is X.XX.<br> due to difference in First Mortgage P&I as per XXXX page XXX First Mortgage P&I is reflecting $XXXX.XX whereas as per final XXXX page XXX and Mortgage statement page XXX mortgage payment is $XXXX.XX. difference is $XXX.XX. and tradeline XXXXX/XXXX XXXXXX #XXXX reflecting $XXX in final XXXX but in Gap credit report its reflecting $XXX updated as per Gap report. <br> Audited Primary Wage Earner Decision Score is XXX per CBR page XX whereas XXXX on page XXX show fico XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-The P&I is $X,XXX.XX. The mortgage statement you are referring to also includes impounds (the $XXX.XX) which should not be included with the P&I. Uploaded XXXX is showing XXX. the only thing missing would be the updated XXXX with updated tradeline. Anything else? - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXXX XXXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0477 |  |  | Closed | 2025-09-10 23:34 | 2025-09-23 15:40 | Resolved | 1 - Information C A | Property | Appraisal | Missing Core Valuation Product | Resolved-None of the Valuation entries contain core valuation types. Property Condition Report provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-The Property Condition Report is missing. Per XXXXXXXXX XX-XX-XXXX, for ≤ $XXX,XXX loan amount AVM is accepted with a Property Condition Report. Provide Property Condition Report as is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-None of the Valuation entries contain core valuation types. Property value determined with the following: Per XXXXXXXXX XX-XX-XXXX, for ≤ $XXX,XXX loan amount AVM is accepted with a Property Condition Report. Provide Property Condition Report as is missing in file.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXX XX XXX XXXXXXXXX XXXXXXX XXXXXXX XXXX XXXXXXXXX XXXXX. XXXXXXXX XXXXXXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXXX XXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0477 |  |  | Closed | 2025-09-11 00:33 | 2025-09-16 11:03 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided and updated to file, Mavent cleared.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Disbursement date is XX/XX/XXXX per Final CD page XX is same as right to cancel expiration date of XX/XX/XXXX on page XXX-XXX. Provide PCCD reflected revised disbursement date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XXX XXXXXXX XX XXXX, XXXXXX XXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1116 |  |  | Closed | 2025-09-11 06:17 | 2025-09-15 15:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Waiver acceptable-for Exception requested for a combined loan amount of more than XXXXX - investment loan properties (XXXXXXXXX is allowing for primary residence only) . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-This is a snippet from exception tracking and does not indicate the exception was fully approved and processed. Need full approved official Exception document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-approved exception is on page XX of the closing package that was uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Loan does not conform to program XXXXXXXXX Exception requested for a combined loan amount of more than XXXXX - investment loan properties (XXXXXXXXX is allowing for primary residence only) . Page#XXX. Provide approved exception - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-approved exception is on page XX of the closing package that was uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXX-XXXXXX XXXXXXXXXX-XXX XXXXXXXXX XXXXXXXXX XXX X XXXXXXXX XXXX XXXXXX XX XXXX XXXX $X.XX - XXXXXXXXXX XXXX XXXXXXXXXX (XXXXXXXXX XX XXXXXXXX XXX XXXXXXX XXXXXXXXX XXXX) . - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXX XX X.XX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X.<br> XXX XX X.XXX, XXXX XX.XXX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX. | XX | Investment | Refinance | Cash Out - Other | XX | Originator Post-Close | Yes |
| XXXX | xxxxxx1824 |  |  | Closed | 2025-09-11 02:59 | 2025-09-11 04:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX , Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXXconfirmation the appraisal was delivered to the borrower in file page #XXX, HPML on page#XXX, The loan Meets HPML XXXXXXXXX, resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX , XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXXXXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX, XXXX XX XXXX#XXX, XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx1824 |  |  | Closed | 2025-09-11 02:59 | 2025-09-11 04:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX , Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXXconfirmation the appraisal was delivered to the borrower in file page #XXX, HPML on page#XXX, The loan Meets HPML XXXXXXXXX, resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX , XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXXXXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX, XXXX XX XXXX#XXX, XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx0296 |  |  | Closed | 2025-09-11 06:37 | 2025-10-23 12:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The documentation received was sufficient to resolve the finding. Updated XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Provided B2 XXXX reflecting Current Address- XXXX XXXXX XXXX as owned, but REO section is not reflecting primary property. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXXXXX XXX XXXXXXX. XXXXXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx0296 |  |  | Closed | 2025-09-11 09:24 | 2025-10-23 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Document Uploaded. The documentation received was not for the Borrower is question. Uploaded is the Borrower and XXXXXXXXX requirements for a permanent resident alien. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-The loan application and ID you have attached is for Borrower X. Borrower X XXXXXX XXXXXXXXX XXXXXX XXXXXX is the Permanent Resident Alien per XXXX on page XXX. Missing proof of Permanent Resident Alien identification. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-The documentation received was not sufficient to resolve the finding. The ID for the Co-Borrower was not located in the loan file. (Permanent Residence Alien) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower X is permanent resident alien, but in file proof of permanent ID is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX.XXX_XXXXX_<br> XXXX XXXX.XXX_XXXXX_<br> XXXX XX XXX.XXX_XXXXX_<br> XXXX XX XXXX.XXX_XXXXX_<br> XXXXXXXXXXX XXX XXXXX.XXX_XXXXX_<br> XXXXXXXXXXX XXX XXXXX.XXX_XXXXX_<br> XXXX XX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx0296 |  |  | Closed | 2025-10-22 07:57 | 2025-10-22 20:17 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-The documentation received was sufficient to resolve the finding. Updated XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Received corrected income calculation worksheet for borrower X with monthly income of $XX,XXX.XX. Monthly Income showing on XXXX for B2 is $XX,XXX.XX. Need corrected XXXX for B2 income. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXXXXX XXX XXXXXXX. XXXXXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx0296 |  |  | Closed | 2025-09-11 10:12 | 2025-10-22 07:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Resolved. Received corrected XXXX and income calculation worksheet for B2. Ratios are now passing.. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% Audited DTI XX.XX% exceeds G/L DTI XX% due to as follows: X) On XXXX U/W considered B1 income as $X,XXX.XX and B2 income as $XX,XXX.XX. Per provided Business bank statements incomes qualified as $X,XXX.XX for B1 and B2 income as $XX,XXX.XX. which is matching XXXX. X) All other monthly payments considered by U/W is $X,XXX but as per XXXX there are some account payoffs which are not reflecting in final CD. And calculated liabilities to $X,XXX. X) On XXXX U/W considered First Mortgage P&I as $XXXX (Per Mtg statement XXXX is inclusive of tax and insurance which are escrowed). U/W considered taxes and insurance individually which has now caused taxes and insurance to be counted twice under Proposed Monthly payments Borrowers primary residence . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXXXX XXXXXXXXX XXXX XXX XXXXXX XXXXXXXXXXX XXXXXXXXX XXX XX. XXXXXX XXX XXX XXXXXXX.. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX X XXXX XXXXXX XXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX XXXX.XXX_XXXXX_<br> XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx0296 |  |  | Closed | 2025-09-11 07:46 | 2025-10-22 07:08 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The documentation received was sufficient to resolve the finding. XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provided XXXX reflecting income values for B1 $X,XXX.XX and B2 $XX,XXX.XX which is incorrect per U/W income calculation worksheet and XXXX's. Also taxes and insurance are being counted twice under proposed monthly payments for borrowers primary residence as the first mortgage P&I payment of $XXXX is inclusive of taxes and insurance per mortgage statement. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXXXXX XXX XXXXXXX. XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx0296 |  |  | Closed | 2025-09-11 09:49 | 2025-10-15 01:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Updated Final XXXX uploaded with liabilities paid off at closing unchecked, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Provided final CD is not reflecting any payoffs. Provided XXXX's for bX and bX are reflecting payoffs of numerous liabilities at closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXX XXXX XXX XX XXXXXXX XXXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx0296 |  |  | Closed | 2025-09-11 10:03 | 2025-09-12 07:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XXX<br> Rate lock date was entered correctly – see Pg#'s XXX<br> An interior and exterior appraisal was completed for this property – see pg#XX, <br> ECOA Appraisal Disclosure OR the LE's page as the page#XXX.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXX.<br> The loan meets HPML guidelines, resolved. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX.<br> XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. <br> XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. <br> XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXX<br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX<br> XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, <br> XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX.<br> XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX.<br> XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx0296 |  |  | Closed | 2025-09-11 10:03 | 2025-09-12 07:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XXX<br> Rate lock date was entered correctly – see Pg#'s XXX<br> An interior and exterior appraisal was completed for this property – see pg#XX, <br> ECOA Appraisal Disclosure OR the LE's page as the page#XXX.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXX.<br> The loan meets HPML guidelines, resolved. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX.<br> XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. <br> XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. <br> XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXX<br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX<br> XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, <br> XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX.<br> XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX.<br> XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9224 |  |  | Closed | 2025-09-11 03:03 | 2025-09-16 04:34 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Updated Appraisal document with Management Group information marked provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated, please review. TY - XXXXXX-XX/XX/XXXX <br>Open-Management Group under Project information in Appraisal is not marked. Provide updated Appraisal - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. updated, please review. TY - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXX XXXXXXXXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXX XXXXXX XXXX XX XXX XXXXXXX XX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx9224 |  |  | Closed | 2025-09-11 03:00 | 2025-09-15 03:42 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form with updated Matrix Version date provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Approval in file reflects matrix version date as X/XX/XX, but the most recent date we have on file is X/XX/XX. Provide updated Lender Approval Form - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXX XXXXXXXX XXXX XXXX XXXXXXX XXXXXX XXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx1168 |  |  | Closed | 2025-09-12 02:54 | 2025-09-16 02:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Trust approval documents provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. trust doc attached. - XXXXXX-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Provided deed is vested as XXXXXXX XXXXXX XXXXXXX, trustee of the XXXXXXX XXXXXX XXXXXXX trust, whereas Note on pg-XXX was signed Individually and as a trustee. No trust approval letter provided to address this discrepancy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. trust doc attached. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXX XXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8155 |  |  | Closed | 2025-09-11 05:14 | 2025-09-19 03:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Updated Borrower X Photo Identification uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. BX Driver License is expired, Provide Updated BX Driver License - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXXX X XXXXX XXXXXXXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX XX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8155 |  |  | Closed | 2025-09-11 05:58 | 2025-09-18 06:46 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Approval form uploaded. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached. - XXXXXX-XX/XX/XXXX <br>Open-Approval in file reflects matrix version date as X/XX/XX, but the most recent date we have on file is X/XX/XX & DSCR ratio reflects blank. Provide updated Lender Approval Form <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXXX XXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0115 |  |  | Closed | 2025-09-10 06:17 | 2025-09-17 03:40 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX Provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provided XXXX shows Risk Assessment as AUS whereas it must be Manual Underwriting. Need updated XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX_XXXXXXXX XXXXX_XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3029 |  |  | Closed | 2025-09-12 12:16 | 2025-09-24 12:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Deed of Trust indicates borrower is not married. Final XXXX and Marital Affidavit on page XXX indicate the borrower is married. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX_XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3029 |  |  | Closed | 2025-09-24 10:18 | 2025-09-24 12:18 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Corrected Notary date to X/X/XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) . - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXX XXXX XX X/X/XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3029 |  |  | Closed | 2025-09-24 10:18 | 2025-09-24 12:18 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Corrected Notary date to X/X/XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XX CFR XXXX.XX(c) and Official Staff Commentary) . - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXX XXXX XX X/X/XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3029 |  |  | Closed | 2025-09-12 00:21 | 2025-09-17 06:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception approved for loan amount, approved for loan amount of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see Exception for Loan Amount. - Seller-XX/XX/XXXX <br>Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Audited Loan Amount of $XX,XXX is less than the Guideline Minimum Loan Amount of $XX.XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see Exception for Loan Amount. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX XXX XXXX XXXXXX, XXXXXXXX XXX XXXX XXXXXX XX $XX,XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX_XXXXXXXXX XXXXXXXX XXX XXXX XXXXXX.XXX |  | XXXX XXXXXX #X: XXXX XXX - XX XXXXXX XXXXX XXX<br> XXXX XXXXXX #X: XXXX XXXXXXXXXXXXX - XXXXXX XXXXXXXX XXXXXX. $XXX X XXXXX<br> XXXX XXXXXX #X: XXXXXXXX XXXXXXXXX XX XXXXXX XXXXXX XXXXXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Post-Close | Yes |
| XXXX | xxxxxx3029 |  |  | Closed | 2025-09-12 00:40 | 2025-09-24 12:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML guidelines. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page #XXX. The copy of appraisal sent to borrower confirmation page#XXX-XXX. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX #XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX#XXX-XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0258 |  |  | Closed | 2025-09-11 00:46 | 2025-09-18 02:28 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX/XX/XXXX No prior insurance found. Disbursement date is on XX/XX/XXXX and note date is XX/XX/XXXX. Provide insurance with effective date that falls on note date. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XX XXX XXXX XXXX XX XX-XX-XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XX XXX XXXX XXXX XX XX-XX-XXXX XX XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX_XXXXXXXXX XXXXXXXX_XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9335 |  |  | Closed | 2025-09-12 05:38 | 2025-09-16 04:38 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-December XXXX statement for the acct #XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide December XXXX statement for the acct #XXXX as its missing in file to complete XX month statements. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXX XXXXXXXXX XXX XXX XXXX #XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9335 |  |  | Closed | 2025-09-12 07:02 | 2025-09-16 04:36 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document with correct P&I provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide updated XXXX with correct P&I amount,as per XXXX page XX P&I is $XXXX.XX whereas as per Note page XXX and First payment letter page XXX P&I is $XXXX.XX. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XXXX XXXXXXX X&X XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9335 |  |  | Closed | 2025-09-12 06:57 | 2025-09-15 05:17 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX,XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XX,XX,XX,XX. The loan Meets HPML guideline, resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX,XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XX,XX,XX,XX. XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9335 |  |  | Closed | 2025-09-12 06:57 | 2025-09-15 05:17 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX,XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XX,XX,XX,XX. The loan Meets HPML guideline, resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX,XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XX,XX,XX,XX. XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6139 |  |  | Closed | 2025-09-12 03:40 | 2025-09-16 06:47 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date XXXX-XX-XX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX-XX-XX. Provide PCCD - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6139 |  |  | Closed | 2025-09-12 03:40 | 2025-09-16 06:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Rescinded-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page #XXX-XXX. The copy of appraisal sent to borrower confirmation page #XXX,. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX #XXX-XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX #XXX,. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6139 |  |  | Closed | 2025-09-12 03:40 | 2025-09-16 06:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page #XXX-XXX. The copy of appraisal sent to borrower confirmation page #XXX,. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX #XXX-XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX #XXX,. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0033 |  |  | Closed | 2025-09-11 22:54 | 2025-09-19 15:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8654 |  |  | Closed | 2025-09-12 21:59 | 2025-09-12 22:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg.#XXX-XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page #XXX. The copy of appraisal sent to borrower confirmation page #XXX,. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX'X (XX.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX.#XXX-XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX #XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX #XXX,. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9763 |  |  | Closed | 2025-09-12 04:01 | 2025-09-18 07:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-The Final XXXX is Missing in file. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx9763 |  |  | Closed | 2025-09-12 04:04 | 2025-09-18 04:35 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Fico missing onn XXXX, Provided updated XXXX with fico score, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-The XXXX document is missing from the loan file. FICO score is missing from the XXXX.<br> Provide updated XXXX w/ missing FICO - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XXXXXXX XXX XXXX, XXXXXXXX XXXXXXX XXXX XXXX XXXX XXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx9763 |  |  | Closed | 2025-09-12 06:34 | 2025-09-12 06:39 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx9763 |  |  | Closed | 2025-09-12 06:34 | 2025-09-12 06:39 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx9763 |  |  | Closed | 2025-09-12 06:34 | 2025-09-12 06:39 | Resolved | 1 - Information A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure APR Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TILA APR test. (XX CFR §XXXX.XX(a)(X), (X) , transferred from XX CFR §XXX.XX(a)(X), (X))The annual percentage rate (APR) is XX.XXX%. The disclosed APR of X.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx9763 |  |  | Closed | 2025-09-12 06:34 | 2025-09-12 06:39 | Resolved | 1 - Information A | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XX CFR §XXXX.XX(b)(X), (e)(X))This loan does not qualify for a safe harbor. The loan has an APR of XX.XXX%. The APR threshold to qualify for a safe harbor is XX.XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by X.X or more percentage points for a first-lien covered transaction, or by X.X or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx9763 |  |  | Closed | 2025-09-12 06:26 | 2025-09-12 06:33 | Resolved | 1 - Information A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx8887 |  |  | Closed | 2025-09-14 03:23 | 2025-09-23 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Lender provided mortgage statement confirming correct tax amount. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Tax amount on CD matches tax amount listed on mortgage statement being collected - XXXXX-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Tax as per Tax cert is $XXX.XX whereas XXXX & all closing documents showing as $XXXX.XX.Need Updated Tax Cert with correct Tax amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXX XXX XXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXX XXX XXXXXXXX XXXX XXX XXXXX XXX XXX XXXXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8887 |  |  | Closed | 2025-09-14 03:25 | 2025-09-23 05:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure document provided.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure document provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXX XXXXXXX XX XXX XXXXXXX XXXXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8887 |  |  | Closed | 2025-09-14 03:46 | 2025-09-23 03:16 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Incorrect tax value on XXXX, Provided Updated XXXX, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - XXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. LTV Value on provided XXXX showing incorrectly.Need Updated XXXX with correct LTV ratios. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XX XXXX, XXXXXXXX XXXXXXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9049 |  |  | Closed | 2025-09-16 23:51 | 2025-09-23 05:05 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Requested IPCR Report Provided hence we not require Property condition report, hence condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. we do not require secondary appraisal product on XXXXXX XXXXXXXXX XX XX XXXXX. Which is attached to this condition. - XXXXX-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Property condition report was not provided in file per guidelines AVM + property condition report is required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXX XXXXXX XXXXXXXX XXXXX XX XXX XXXXXXX XXXXXXXX XXXXXXXXX XXXXXX, XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0834 |  |  | Closed | 2025-09-15 00:32 | 2025-10-01 01:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Updated Initial XXXX uploaded with LO signature, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Provide updated Initial XXXX as the provided one on page XXX LO signed is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXX XXXX XXXXXXXX XXXX XX XXXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0834 |  |  | Closed | 2025-09-15 02:53 | 2025-09-18 01:39 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provide Homeownership counseling document as its missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5613 |  |  | Closed | 2025-09-28 10:07 | 2025-09-28 10:39 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Correction made in XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5613 |  |  | Closed | 2025-09-15 02:53 | 2025-09-28 10:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC provided dated X/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Transfer taxes were disclosed on the initial LE at $X,XXX. On the final CD, an intangible tax in the amount of $X,XXX was added. There was not a change of circumstance or lender credit in the same amount provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XXXXX X/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXX XXXXXX XXXXXXX X_XXXX XXXXXXXX (X).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5613 |  |  | Closed | 2025-09-15 02:53 | 2025-09-28 10:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC provided dated X/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Uploaded - XXXXX-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Transfer taxes were disclosed on the initial LE at $X,XXX. On the final CD, an intangible tax in the amount of $X,XXX was added. There was not a change of circumstance or lender credit in the same amount provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XXXXX X/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5613 |  |  | Closed | 2025-09-15 02:53 | 2025-09-28 10:35 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC provided dated X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Rescinded as there is a duplicate finding. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XXXXX X/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXXX XX XXXXXXXXXXXXX XXXX XXXXXXXXXX XXXX.XXX XXXX XXXXXX XXX XX XXXX XXXXXXXXX XXXXX XXX XXX XXX XXXXXXX XXXXXX X XXXXXXXXXXXXX XXXX XX X XXXXXXXXXXXX XXXX (XX XXXXXXX / XXXXXXXXXX XXXX, XX XXXXXXXXXXXX XXXX XX XXX XXXXXXXXX). XXXX XXXXXXXXXXX XX XXXXXXXXX XX XXXXX XX XXXXXXXXX XXXXXXX XXXXXXXXXXXXX XXXXXXXXXXXX. XXXXXXXXX XX XXXXX XX X XXXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0282 |  |  | Closed | 2025-09-15 06:42 | 2025-10-20 05:20 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-can you clear if resolved? - Seller-XX/XX/XXXX <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg #XX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page #XXX-XXX. The copy of appraisal sent to borrower confirmation page #XXX. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-can you clear if resolved? - Seller-XX/XX/XXXX<br>| XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0282 |  |  | Closed | 2025-09-15 06:42 | 2025-10-20 05:20 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Condition says resolved. please clear - Seller-XX/XX/XXXX <br>Open-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg #XX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page #XXX-XXX. The copy of appraisal sent to borrower confirmation page #XXX. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Condition says resolved. please clear - Seller-XX/XX/XXXX<br>| XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0282 |  |  | Closed | 2025-09-15 06:19 | 2025-10-20 05:13 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The documentation received was sufficient to resolve the finding. The updated XXXX does reflect the breakdown of the Co-Borrower's income and supports the total income reflected on page X of $X,XXX.XX. The FICO score used in the review is supported by the Borrower's credit report and represents the lowest mid-score (XXX). However, the guidelines indicated the primary wage earner score is to be used (XXX) which is the Co-Borrower's. It appears the lender is using worst case to qualify the Borrowers which does meet the guidelines of XXX for the Core program. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Provide the XXXX with the net rental income of other properties line item entered with the revised representative credit score for the primary wage earner per the GL (Credit Requirements - Core Full Doc) and revised XXXX for BX including the net rental income or remove the net rental income from the total income on the XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The XXXX provided does not itemize all the income and does not have the primary wage earners credit score per the GL. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated XXXX to show Co borrowers rental income. - Seller-XX/XX/XXXX <br>Counter-The total borrower income on the XXXX is not accurate. Provide a revised XXXX with the corrected total. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. final uploaded - Seller-XX/XX/XXXX <br>Counter-XXXX monthly income section line items and total does not add up. Provide a revised XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Rental income is only on the co borrower. Check XXXX its listed there. - Seller-XX/XX/XXXX <br>Counter-Rental Income is not used for qualification on the XXXX or the Final XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX $X,XXX.XX<br> XXXX $X,XXX<br> XXXX $X,XXX<br> Rents received XXXX $X,XXX.XX and XXXX & XXXX $X,XXX per loe after mgmt. fees -=$X,XXX.XX in rental income <br> B#X income - base $X,XXX.XX ot XX.XX & commission $X,XXX.XX=X,XXX.XX<br> B#X income X,XXX.XX base income <br> Total income X,XXX.XX plus rental income X,XXX.XX X .XX=$XXXX.XX-minus loan pmt X,XXX=$X,XXX.XX<br> - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The Total Borrower Income calculated is X,XXX.XX whereas the XXXX reflects Total Borrower Income as $X,XXX.XX. Also, the primary wage earner representative score in not inline with the GL. Provide updated XXXX document with corrected Qualifying Income and representative score. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated XXXX to show Co borrowers rental income. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. final uploaded - Seller-XX/XX/XXXX <br>Ready for Review-Rental income is only on the co borrower. Check XXXX its listed there. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX $X,XXX.XX<br> XXXX $X,XXX<br> XXXX $X,XXX<br> Rents received XXXX $X,XXX.XX and XXXX & XXXX $X,XXX per loe after mgmt. fees -=$X,XXX.XX in rental income <br> B#X income - base $X,XXX.XX ot XX.XX & commission $X,XXX.XX=X,XXX.XX<br> B#X income X,XXX.XX base income <br> Total income X,XXX.XX plus rental income X,XXX.XX X .XX=$XXXX.XX-minus loan pmt X,XXX=$X,XXX.XX<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXXXXX XXX XXXXXXX. XXX XXXXXXX XXXX XXXX XXXXXXX XXX XXXXXXXXX XX XXX XX-XXXXXXXX'X XXXXXX XXX XXXXXXXX XXX XXXXX XXXXXX XXXXXXXXX XX XXXX X XX $X,XXX.XX. XXX XXXX XXXXX XXXX XX XXX XXXXXX XX XXXXXXXXX XX XXX XXXXXXXX'X XXXXXX XXXXXX XXX XXXXXXXXXX XXX XXXXXX XXX-XXXXX (XXX). XXXXXXX, XXX XXXXXXXXXX XXXXXXXXX XXX XXXXXXX XXXX XXXXXX XXXXX XX XX XX XXXX (XXX) XXXXX XX XXX XX-XXXXXXXX'X. XX XXXXXXX XXX XXXXXX XX XXXXX XXXXX XXXX XX XXXXXXX XXX XXXXXXXXX XXXXX XXXX XXXX XXX XXXXXXXXXX XX XXX XXX XXX XXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0282 |  |  | Closed | 2025-09-15 06:42 | 2025-09-24 15:23 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided and updated. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date XXXX-XX-XX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX-XX-XX. Provide PCCD - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0282 |  |  | Closed | 2025-09-16 06:18 | 2025-09-24 15:02 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Approval in file reflects matrix version date as XX/XX/XX, but the matrix has not been provided. Provide updated lender approval form.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0282 |  |  | Closed | 2025-09-15 06:59 | 2025-09-23 00:45 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Departing residence is a X unit= X lease agreements in file #XXXX $X,XXX.XX, #XXXX $X,XXX, #XXXX $X,XXX Rents received #XXXX $X,XXX.XX and #XXXX & XXXX $X,XXX per lox after mgmt. fees -=$X,XXX.XX. The calculated Rental income of X,XXX.XX X .XX=$XXXX.XX - loan payment X,XXX=$X,XXX.XX Net Rental Income, DTI matches the XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Departing residence is a X unit= X lease agreements in file <br> XXXX $X,XXX.XX<br> XXXX $X,XXX<br> XXXX $X,XXX<br> Rents received XXXX $X,XXX.XX and XXXX & XXXX $X,XXX per loe after mgmt. fees -=$X,XXX.XX in rental income <br> B#X income - base $X,XXX.XX ot XX.XX & commission $X,XXX.XX=X,XXX.XX<br> B#X income X,XXX.XX base income <br> Total income X,XXX.XX plus rental income X,XXX.XX X .XX=$XXXX.XX-minus loan pmt X,XXX=$X,XXX.XX<br> - Seller-XX/XX/XXXX <br>Open-DTI discrepancy is due to The Total of Borrower Income is $X,XXX.XX whereas the XXXX reflects Total Borrower Income as $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Departing residence is a X unit= X lease agreements in file <br> XXXX $X,XXX.XX<br> XXXX $X,XXX<br> XXXX $X,XXX<br> Rents received XXXX $X,XXX.XX and XXXX & XXXX $X,XXX per loe after mgmt. fees -=$X,XXX.XX in rental income <br> B#X income - base $X,XXX.XX ot XX.XX & commission $X,XXX.XX=X,XXX.XX<br> B#X income X,XXX.XX base income <br> Total income X,XXX.XX plus rental income X,XXX.XX X .XX=$XXXX.XX-minus loan pmt X,XXX=$X,XXX.XX<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XX X X XXXX= X XXXXX XXXXXXXXXX XX XXXX #XXXX $X,XXX.XX, #XXXX $X,XXX, #XXXX $X,XXX XXXXX XXXXXXXX #XXXX $X,XXX.XX XXX #XXXX & XXXX $X,XXX XXX XXX XXXXX XXXX. XXXX -=$X,XXX.XX. XXX XXXXXXXXXX XXXXXX XXXXXX XX X,XXX.XX X .XX=$XXXX.XX - XXXX XXXXXXX X,XXX=$X,XXX.XX XXX XXXXXX XXXXXX, XXX XXXXXXX XXX XXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0282 |  |  | Closed | 2025-09-15 06:57 | 2025-09-23 00:44 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Departing residence is a X unit= X lease agreements in file #XXXX $X,XXX.XX, #XXXX $X,XXX, #XXXX $X,XXX Rents received #XXXX $X,XXX.XX and #XXXX & XXXX $X,XXX per lox after mgmt. fees -=$X,XXX.XX. The calculated Rental income of X,XXX.XX X .XX=$XXXX.XX - loan payment X,XXX=$X,XXX.XX Net Rental Income, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Departing residence is a X unit= X lease agreements in file <br> XXXX $X,XXX.XX<br> XXXX $X,XXX<br> XXXX $X,XXX<br> Rents received XXXX $X,XXX.XX and XXXX & XXXX $X,XXX per loe after mgmt. fees -=$X,XXX.XX in rental income <br> B#X income - base $X,XXX.XX ot XX.XX & commission $X,XXX.XX=X,XXX.XX<br> B#X income X,XXX.XX base income <br> Total income X,XXX.XX plus rental income X,XXX.XX X .XX=$XXXX.XX-minus loan pmt X,XXX=$X,XXX.XX<br> - Seller-XX/XX/XXXX <br>Open-As per the Lease Agreement Page #XXX, XXX & LOX on Page #XXX the borrower Monthly Rental Income for the property is $X,XXX and has a Mortgage Payment of $X,XXX which results in Net Monthly Rental Income (Loss) of (Rent of $X,XXX x X.XX% vacancy factor - PITI $X,XXX = -$XX) whereas the Final XXXX reflects Monthly Rental income of $X,XXX.XX and Net Monthly Rental Income as Blank with the XXXX showing $X,XXX.XX as rental income. Provide a revised XXXX and XXXX with accurate net rental income/loss. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Departing residence is a X unit= X lease agreements in file <br> XXXX $X,XXX.XX<br> XXXX $X,XXX<br> XXXX $X,XXX<br> Rents received XXXX $X,XXX.XX and XXXX & XXXX $X,XXX per loe after mgmt. fees -=$X,XXX.XX in rental income <br> B#X income - base $X,XXX.XX ot XX.XX & commission $X,XXX.XX=X,XXX.XX<br> B#X income X,XXX.XX base income <br> Total income X,XXX.XX plus rental income X,XXX.XX X .XX=$XXXX.XX-minus loan pmt X,XXX=$X,XXX.XX<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XX X X XXXX= X XXXXX XXXXXXXXXX XX XXXX #XXXX $X,XXX.XX, #XXXX $X,XXX, #XXXX $X,XXX XXXXX XXXXXXXX #XXXX $X,XXX.XX XXX #XXXX & XXXX $X,XXX XXX XXX XXXXX XXXX. XXXX -=$X,XXX.XX. XXX XXXXXXXXXX XXXXXX XXXXXX XX X,XXX.XX X .XX=$XXXX.XX - XXXX XXXXXXX X,XXX=$X,XXX.XX XXX XXXXXX XXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0282 |  |  | Closed | 2025-09-15 04:30 | 2025-09-23 00:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Updated Initial XXXX with Loan Originator signature uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Loan Originator on Initial XXXX is missing, Provide updated Initial XXXX with Loan Originator signature. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXX XXXX XXXX XXXX XXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7677 |  |  | Closed | 2026-02-25 10:02 | 2026-02-25 10:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This Xnd lien loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Escrows are not required for Xnd lien Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, XXX, and copy of the appraisal was given to the borrower. See page XXX, XXX for delivery confirmation. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXX XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXX XXX XXX XXXXXXXX XXX XXX XXXX XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX, XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX. XXX XXXX XXX, XXX XXX XXXXXXXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7677 |  |  | Closed | 2025-09-15 05:13 | 2026-02-25 10:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested updated XXXX with updated income provided, updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Income is correct as SE income needs to be included for Borrower X as well - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_<br> Open-The Final XXXX is Missing Borrower X and borrower X qualified incomes are inaccurate under final XXXX, we need updated final XXXX.<br> Borrower qualified income $X,XXX.XX, Borrower X qualified income is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Income is correct as SE income needs to be included for Borrower X as well - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX (XXXX_XX) - XXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7677 |  |  | Closed | 2025-09-18 16:52 | 2025-09-23 10:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved. CD's provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-TRID: Missing Closing Disclosure Provide the Initial CD, any related COC's, re-disclosed CD's and the Disclosure Tracking Summary. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX. XX'X XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXX - XXXXXX (XX).XXX_XXXXX_<br> XXXXXXX XXXXXXXXXX - XXXXXX (XX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7677 |  |  | Closed | 2025-09-15 05:14 | 2025-09-23 06:28 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved. Income calc verified. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-XXXX Correct as SE income needs to be included for BX as well - Buyer-XX/XX/XXXX _xXXXX_<br> Open-The XXXX document is missing from the loan file. Borrower X qualified income is $X,XXX.XX but under XXXX borrowerX income reflecting as $XX,XXX.XX and qualifying FICO is also XXX but XXXX as XXX. We need updated XXXX. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX. XXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8117 |  |  | Closed | 2025-09-15 05:22 | 2025-09-23 07:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file to run the compliance we need initial CD. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1044 |  |  | Closed | 2025-09-17 02:12 | 2025-09-29 13:48 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Matrix provided and reviewed. LauraMac has been updated to reflect the provided docs. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Here you go! - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Please provide a PDF copy of the approval. The provided excel document cannot be opened for review - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Matrix uploaded - Seller-XX/XX/XXXX _xXXXX_<br> Open-Approval in file reflects matrix version date as XX/XX/XX, but the matrix has not been provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Here you go! - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Matrix uploaded - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXXXXX. XXXXXXXX XXX XXXX XXXXXXX XX XXXXXXX XXX XXXXXXXX XXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX_XXXX XXX, XXX XXX, XXXX XXX XXXXXX X.XX.XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1044 |  |  | Closed | 2025-09-16 09:07 | 2025-09-23 02:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. According to the Business Narrative page #XXX, the borrower is verified to be in the service industry with XX+ employees. As per the GL's Fixed Expense Factor Table, the qualifying expense factor is XX%; however, the income worksheet uses an expense factor of XX%. Provide an updated Lender Income Calculation Worksheet - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXXX XXXXXX XXXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX XX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1044 |  |  | Closed | 2025-09-16 07:18 | 2025-09-22 00:49 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide updated Title/Supplement Report with updated Coverage amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXX XXXXXXXXXX XXXXXXXX, XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XXXXX XXXXXX XX XXXXXXX XXXX(X), XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX-XXXXXXXXXX XXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8276 |  |  | Closed | 2025-09-16 06:36 | 2025-09-23 04:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure Provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-TRID: Missing Closing Disclosure Missing initial closing disclosure in the file . - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXX - XXXXXX (XX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8676 |  |  | Closed | 2025-09-20 14:41 | 2025-09-23 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Lender provided full and complete condo questionnaire. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Im seeing all pages here - Buyer-XX/XX/XXXX _xXXXX_<br> Open-HOA Questionnaire is Missing or Partial. Condo questionnaire in file only consists of pg. X, unable to confirm warrantability. Full and complete condo questionnaire is missing from file. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXX XXXXXXXX XXXX XXX XXXXXXXX XXXXX XXXXXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXXXXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1608 |  |  | Closed | 2025-09-17 07:57 | 2025-09-23 02:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Updated XXXX provided stating Borrower is US Citizen. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Borrower is US Citizen - Seller-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Provide acceptable documentation. Per guidelines, section X.X.X, • Acceptable evidence of permanent residency includes the following: o Alien Registration Receipt Card I-XXX (referred to as a green card) Alien Registration Receipt Card I-XXX (Resident Alien Card) that does not have an expiration date on the back (also known as a green card) Borrower Citizenship is Permanent Resident Alien per final loan application in file. Missing Alien Registration Receipt Card I-XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Borrower is US Citizen - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXX XXXXXXXX XX XX XXXXXXX. XXXXXXX & XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1608 |  |  | Closed | 2025-09-17 06:40 | 2025-09-23 02:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Updated Initial XXXX with Loan Originator Signature uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Loan Originator Signature on Initial XXXX is missing. Provide updated Initial XXXX with Loan Originator Signature. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXX XXXX XXXX XXXX XXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1608 |  |  | Closed | 2025-09-17 08:25 | 2025-09-22 06:48 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credits of $X,XXX from Revised LE Decreases to $X in Initial CD, Provide COC to cure the Tolerance - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXX XXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1707 |  |  | Closed | 2025-09-15 23:14 | 2025-09-30 07:30 | Resolved | 1 - Information A | Property | Appraisal | Missing Core Valuation Product | Resolved-Lender provided required AVM. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Rescinded-None of the Valuation entries contain core valuation types. Provide AVM and Property condition report or Complete Full (interior)Appraisal as required per guidelines. Exterior Only in file is not sufficient. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XX XXX XXXXXXXXX XXXXXXX XXXXXXX XXXX XXXXXXXXX XXXXX. XXXXXXX XXX XXX XXXXXXXX XXXXXXXXX XXXXXX XX XXXXXXXX XXXX (XXXXXXXX)XXXXXXXXX XX XXXXXXXX XXX XXXXXXXXXX. XXXXXXXX XXXX XX XXXX XX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1707 |  |  | Closed | 2025-09-15 23:14 | 2025-09-30 07:27 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Lender provided required AVM. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide AVM and Property condition report or Complete Full (interior)Appraisal as required per guidelines. Exterior Only in file is not sufficient. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX (XXXX XXXXXXXXXX XXXXXXXX XX XXXXXXX) XX XXXXXXX XXX XXXXXXXXX XXXXXXXXXXXX XXX XX XXXXX, XX XXXXXXX, XX XXXXXXX XXXX X.X XXXXXXX XXX XXX XXXXXXXX XXXXXXXXX XXXXXX XX XXXXXXXX XXXX (XXXXXXXX)XXXXXXXXX XX XXXXXXXX XXX XXXXXXXXXX. XXXXXXXX XXXX XX XXXX XX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1707 |  |  | Closed | 2025-09-15 22:40 | 2025-09-24 03:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Requested Title Doc Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX <br>Open-Title Document is missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1707 |  |  | Closed | 2025-09-19 17:28 | 2025-09-23 11:12 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception. Borrower has an individual policy that provides full coverage of the property. - Buyer-XX/XX/XXXX <br>Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per X.X.X. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XXXX<br> XX% XXX, XXX XX XX% | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9271 |  |  | Closed | 2025-09-18 20:49 | 2025-09-22 01:20 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Updated Title Supplemental Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Property Title Issue Title reflects a Pending Court Order and Financing statement on Page# XXX-XXX of XXX. Provide Documentation - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXX XXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX_#X.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX_#X.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX_#X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0772 |  |  | Closed | 2026-04-13 14:35 | 2026-04-13 14:56 | Resolved | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0772 |  |  | Closed | 2026-04-13 14:35 | 2026-04-13 14:56 | Resolved | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0772 |  |  | Closed | 2026-04-13 14:35 | 2026-04-13 14:56 | Resolved | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0772 |  |  | Closed | 2025-09-20 08:25 | 2025-09-25 15:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved. Initial CD provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXXD_<br> Open-TRID: Missing Closing Disclosure Provide the Initial CD, any related COC's, re-disclosed CD's and the Disclosure Tracking Summary. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> _xXXXXD_ | XXXXXXXX-XXXXXXXX. XXXXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X.-XXXXXXX-XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9511 |  |  | Closed | 2025-09-17 23:49 | 2025-09-18 07:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> _xXXXXD_ | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9511 |  |  | Closed | 2025-09-17 23:49 | 2025-09-18 07:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> _xXXXXD_ | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8621 |  |  | Closed | 2025-09-18 20:55 | 2025-10-01 10:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_<br> Counter-Uploaded shows Prepaid Interest from X/XX/XXXX instead of X/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_<br> Open-Final HUD-X Document is Missing. Provided HUD reflecting Disbursement Date XX/XX/XXXX is prior to Notary date XX/XX/XXXX. Require updated HUD with corrected disbursement date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX-X.XXX_XXXXX_<br> XXXXXXX XXX-X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8511 |  |  | Closed | 2025-09-23 08:54 | 2025-09-30 06:33 | Resolved | 1 - Information C A | Compliance | Points & Fees | Federal Undiscounted Rate Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. No undiscounted rate per lender compliance - Buyer-XX/XX/XXXX _xXXXXD_<br> Open-This loan failed the federal undiscounted rate validation test.The loan charges a bona fide discount fee without any reduction of the interest rate from the undiscounted rate. The interest rate should be less than the undiscounted rate if a bona fide loan discount fee is charged. Please provide the undiscounted rate for this loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> _xXXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8511 |  |  | Closed | 2025-09-17 02:12 | 2025-10-28 16:32 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Meets HPML guidelines, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Resolved-Meets HPML guidelines, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Resolved-HPML requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Non QM please clear - Seller-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Resolved-The loan meets HPML requirements and an interior appraisal was performed (pg. XX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#' XXX .An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Non QM please clear - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXXXX XXXX XXXXXXXXXX, XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXX XXXXXXXXXX, XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXXXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX (XX. XX). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X _XXX .XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1574 |  |  | Closed | 2025-09-18 22:38 | 2025-09-19 11:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page #XXX. The copy of appraisal sent to borrower confirmation page#XXX-XXX. The loan meets HPML guidelines. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> _xXXXXD_ | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX #XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX#XXX-XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1574 |  |  | Closed | 2025-09-18 22:38 | 2025-09-19 11:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow on Closed end Seconds only. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page #XXX. The copy of appraisal sent to borrower confirmation page#XXX-XXX. The loan meets HPML guidelines. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> _xXXXXD_ | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX #XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX#XXX-XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8220 |  |  | Closed | 2025-09-24 11:54 | 2025-09-26 10:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Resolved-Lender provided updated fraud report showing high alerts clear. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. Please find final Fraud report with all alerts addressed by UW and clear this finding. Thank you. - Buyer-XX/XX/XXXX _xXXXXD_<br> Open-Fraud Report Shows Uncleared Alerts Fraud report in file show open High alert. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> _xXXXXD_ | XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXX XXXXXX XXXXXXX XXXX XXXXXX XXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9998 |  |  | Closed | 2025-09-22 00:44 | 2025-10-10 11:41 | Resolved | 1 - Information C A | Compliance | Interest:DaysInYear | South Carolina - Days Used For Interest Calculation | Resolved-XXX days used for calculation on CD provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_<br> Counter-The Days in Year Number used to calculate the interim interest is (XXX.X). The XXXXX XXXXXXXXX Consumer Protection Code requires XXX days, or XXX in a leap year, used for the interest calculation. (X.X. Code Ann. XX-X-XXX(X)) Per Diem Interest Interests updated as Days In Year as Periodic XXX and Days In Year Number as XXX updated as per the updates. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Ready for Review-What is needed here?<br> - Seller-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open-The Days in Year Number used to calculate the interim interest is (XXX.X). The XXXXX XXXXXXXXX Consumer Protection Code requires XXX days, or XXX in a leap year, used for the interest calculation. (X.X. Code Ann. XX-X-XXX(X)) Per Diem Interest Interests updated as Days In Year as Periodic XXX and Days In Year Number as XXX updated as per the updates. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXXD_<br> Ready for Review-What is needed here?<br> - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXX XXXX XXXX XXX XXXXXXXXXXX XX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8851 |  |  | Closed | 2025-09-29 11:46 | 2025-10-09 11:51 | Resolved | 1 - Information A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved with updated documentation. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Rescinded- - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX XXX XXXXXX.XX(c) and Official Staff Commentary) The Right to cancel dated X/XX/XXXX was signed on X/XX/XXXX with the expire date of X/XX/XXXX not allowing for the required three business day rule. Provide a PCCD evidencing funds were not disbursed prior to the rescission period expiration. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXX XXXXXXX XXXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8851 |  |  | Closed | 2025-09-22 01:47 | 2025-10-03 12:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. PCCD received and entered. Compliance engine pass. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Ready for Review-PCCD is not needed-- this was a split signing, as you can see on the Mortgage that XXX signed in XXX XXXX. Thank you! - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Counter-The Final CD is missing the Assumption section filled out. Provide a PCCD. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Provide an updated final CD with the assumption completed and provide the documentation/explanation as how the borrower signed the final CD on X/XX/XXXX and the title holder on X/XX/XXXX. Provide PCCD for signature date and revise disburse date due to right to cancel fail. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX. XXXX XXXXXXXX XXX XXXXXXX. XXXXXXXXXX XXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8851 |  |  | Closed | 2025-10-02 15:08 | 2025-10-03 09:04 | Resolved | 1 - Information C A | Compliance | Mavent | Rescission: Variance | Resolved- - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Reg Z, funds may not be disbursed to the borrower until the expiration of the rescission period. The Last Closing Disclosure (XXXX-XX-XX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX-XX-XX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the Xrd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX.XX(c) and (d) and XXXX.XX(g) (if applicable). (XX XXX XXXXXX.XX) - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8851 |  |  | Closed | 2025-09-22 03:59 | 2025-09-29 12:14 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Right of Rescission is Not Executed | Resolved-Resolved. Notice of Right to Cancel provided and system updated. RTC issue with expiration-new finding auto set by compliance fail. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Notice of Right to cancel page is cut off. Provide the complete Notice of Right to cancel. - XXX XXXXXXXXX XXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXX XX XXXXX XX XXXXXX XXXXXXXX XXX XXXXXX XXXXXXX. XXX XXXXX XXXX XXXXXXXXXX-XXX XXXXXXX XXXX XXX XX XXXXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8851 |  |  | Closed | 2025-09-22 15:08 | 2025-09-29 11:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Resolved. Complete DOT with Rider updated system. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete The Mortgage and PUD rider pages are cut off and incomplete. Provide a complete Mortgage and applicable riders. - XXX XXXXXXXXX XXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXXXX XXX XXXX XXXXX XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8851 |  |  | Closed | 2025-09-22 01:38 | 2025-09-22 14:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXX Exception provided in file on page #XXX (lender approved loan amount exception). Per XXXXXXXXXX min loan amount is $XXXk and subject loan amount is $XX,XXX. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |  | XXXXXX-XXXXXXX XXXX XXXXXX XX $XXXXX XX XXXX XXXX XXX XXXXXXXXX XXXXXXX XXXX XXXXXX XX $XXXXX XXXXXXXXX XXXXXXXX XX XXXX XX XXXX #XXX (XXXXXX XXXXXXXX XXXX XXXXXX XXXXXXXXX). XXX XXXXXXXXXX XXX XXXX XXXXXX XX $XXX XXX XXXXXXX XXXX XXXXXX XX $XX,XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXX XXXXXX #X: XXXX XXXXXXXXXXXXX- XXXXXXX XXXXXXX XXXXXXX XX $X,XXX.XX.<br> XXXX XXXXXX #X: XXX XXXXXXX XXXXXXX XXXX XXXXXXX XXXX XXXXXXXX.<br> XXXX XXXXXX #X: XXXXXXXX XXXXXX XXXXXXX XXXX XX ($X,XXX XXXXXXX XXXXXXXX). | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx8851 |  |  | Closed | 2025-09-22 02:04 | 2025-10-03 09:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan Meets HPML XXXXXXXXX, resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Resolved-The loan Meets HPML XXXXXXXXX, resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXX.XX(a)(X)(iii)) - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX, the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XX, HPML on page #XXX. The loan Meets HPML XXXXXXXXX, resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XX, XXXX XX XXXX #XXX. XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0531 |  |  | Closed | 2025-09-29 12:37 | 2025-10-03 07:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The recorded DOT with the Legal Description included was provided in Findings: XXXXXXXXXXXX_XXXXX_XXXXXXXX XXX.XXX. Resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - XXXXXX-XX/XX/XXXX <br>Open-The "Exhibit A" Legal Description is missing from the Mortgage. - XXX XXXXXXXXX XXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX XXX XXXX XXX XXXXX XXXXXXXXXXX XXXXXXXX XXX XXXXXXXX XX XXXXXXXX: XXXXXXXXXXXX_XXXXX_XXXXXXXX XXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX_XXXXX_XXXXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0531 |  |  | Closed | 2025-09-19 05:20 | 2025-10-03 07:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-The Title Commitment was provided in Findings: XXXXXXXXXXXX_XXXXX_XXXXXX.XXX. Resolved. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Resolved-Title Document is fully Present - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Counter-The Legal Description is missing from the title report. - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Title Document is missing The Title Document is missing. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXXXXXXXX XXX XXXXXXXX XX XXXXXXXX: XXXXXXXXXXXX_XXXXX_XXXXXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX - XXXXX XXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXXXX_XXXXX_XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0531 |  |  | Closed | 2025-09-22 06:20 | 2025-09-29 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXX XXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing The Xrd Party VOE within XX days of closing is missing. - XXX XXXXXXXXX XXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX_XXXXX_XXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0531 |  |  | Closed | 2025-09-21 20:19 | 2025-09-29 12:26 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Provided in Findings: XXXXXXXXXXXX_XXXXX_XXXXXX XXXXXXX. Per XX.X.X.X GAP CREDIT REPORT, 'In cases where a gap report is not received prior to closing, the report may be obtained within XX days of closing'. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). As Per the guideline version XX/XX/XXXX page no #XX we need gap credit report is with in XX business days. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XX XXXXXXXX: XXXXXXXXXXXX_XXXXX_XXXXXX XXXXXXX.XXX. XXX XX.X.X.X XXX XXXXXX XXXXXX, 'XX XXXXX XXXXX X XXX XXXXXX XX XXX XXXXXXXX XXXXX XX XXXXXXX, XXX XXXXXX XXX XX XXXXXXXX XXXXXX XX XXXX XX XXXXXXX'. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX_XXXXX_XXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0531 |  |  | Closed | 2025-09-21 20:25 | 2025-09-29 03:49 | Resolved | 1 - Information C A | Property | Appraisal | Missing Core Valuation Product | Resolved-As per Guideline page#XXX dated XX.XX.XXXX "Exterior-Only Inspection Residential Appraisal Report (FNMA Form XXXX or XXXX)".Provided Appraisal in file is XXXX which is acceptable. Hence Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-None of the Valuation entries contain core valuation types. Appraisal Requirements: For loan amounts ≤ $XXX,XXX, one of:<br> ▪ AVM (see requirements below) + Property Condition Report (or) Full interior appraisal (Fannie Mae Form XXXX, XXXX or XXXX.<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX XXX XXXXXXXXX XXXX#XXX XXXXX XX.XX.XXXX "XXXXXXXX-XXXX XXXXXXXXXX XXXXXXXXXXX XXXXXXXXX XXXXXX (XXXX XXXX XXXX XX XXXX)".XXXXXXXX XXXXXXXXX XX XXXX XX XXXX XXXXX XX XXXXXXXXXX. XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx8567 |  |  | Closed | 2025-09-25 04:24 | 2025-09-30 23:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD and COC's - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXX XXXXXXX XX XXX XXX'X - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XX.XXX_XXXXX_<br> XXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx8567 |  |  | Closed | 2025-09-30 12:04 | 2025-09-30 23:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0511 |  |  | Closed | 2025-09-24 22:10 | 2025-09-25 11:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX." <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8381 |  |  | Closed | 2025-09-22 04:57 | 2025-09-23 04:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Award Letter Missing | Resolved-Requested Award Letter for BX Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Award Letter Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please find the coborrower ssi letter attached. Thank you - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Award Letter Missing Borrower X SS Award Letter Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXX XXXXXX XXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXX XXXXXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8381 |  |  | Closed | 2025-09-22 04:32 | 2025-09-22 09:38 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Waived-The loan's (XX.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan junior lien threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(iii)) Per external counsel appropriate to waive as a B Grade. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXX XXXXXXXX XXXX XXXXXX XXXX XXXX XXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXXXX XXX XXXX XXXXXXX XX X X-X XXXX XXXXXXXX XX (X.XX%).(X.X. XXX. XXXX. XX-X.XX(XX); XX XXX XXXXX(X)(X)(X)(XX); XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXXXXXX XXXXXXX XXXXXXXXXXX XX XXXXX XX X X XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8381 |  |  | Closed | 2025-09-22 04:32 | 2025-09-22 04:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _XXX___ and the Final Closing disclosure on Pg#'s XXX ____ reflects escrows. Rate lock date was entered correctly – see Pg#'s ___XXX__ An interior and exterior appraisal was completed for this property – see pg _XX-XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XX__ , and copy of the appraisal was given to the borrower – see Pg#'s __XX___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X _XXX___ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX ____ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X ___XXX__ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX _XX-XX___ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X_XX__ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X __XX___ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8867 |  |  | Closed | 2025-09-22 07:15 | 2025-09-26 06:57 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Resolved, matrix dated X/XX/XXXX has been received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Approval in file reflects matrix version date as XX/XX/XX, but the matrix has not been provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXX XXXXX X/XX/XXXX XXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX_XXXX XXX, XXX XXX, XXXX XXX XXXXXXXX XXXXXX XXX X.XX.XX.XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8867 |  |  | Closed | 2025-09-22 05:02 | 2025-09-25 05:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Ethnicity of BX is not marked, Provide updated Final XXXX for BX with Ethnicity marked. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8867 |  |  | Closed | 2025-09-23 14:33 | 2025-09-26 13:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved - The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Lan is a second lien, escrows are not required. Rate lock date was entered correctly – see Pg#'s XX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s X. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXX XX X XXXXXX XXXX, XXXXXXX XXX XXX XXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X X. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8867 |  |  | Closed | 2025-09-23 14:33 | 2025-09-26 13:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved - The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Lan is a second lien, escrows are not required. Rate lock date was entered correctly – see Pg#'s XX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s X. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXX XX X XXXXXX XXXX, XXXXXXX XXX XXX XXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X X. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx8367 |  |  | Closed | 2025-09-22 01:26 | 2025-09-24 06:33 | Resolved | 1 - Information C A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved. Written Service Providers List dated X/X/XXXX received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The List of Settlement Service Providers Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(vi); XXXX.XX(e)(X)(iii)) Provide Written Service Providers List - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXXX XXXXXXX XXXXXXXXX XXXX XXXXX X/X/XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxx8367 |  |  | Closed | 2025-09-22 01:26 | 2025-09-24 06:32 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved. Initial XXXX dated X/X/XXXX received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The Initial Loan Estimate Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(iii)) initial LE date X/X/XXXX. Provide Initial XXXX dated on or about X/X/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX. XXXXXXX XXXX XXXXX X/X/XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxx8367 |  |  | Closed | 2025-09-21 23:33 | 2025-09-24 06:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Initial XXXX Provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Provide initial XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxx8367 |  |  | Closed | 2025-09-22 14:49 | 2025-09-24 06:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-X Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX-X XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxx8367 |  |  | Closed | 2025-09-22 14:59 | 2025-09-24 06:16 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Resolved. Updated XXXX received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- XXXX reflects DTI of XX.XXX% and Loan Approval reflects XX.XXX% which is a X.XX% discrepancy. Provide confirmation of correct DTI %. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxx8367 |  |  | Closed | 2025-09-22 13:10 | 2025-09-24 06:06 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Resolved. Affiliated Business Arrangement Disclosure received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Affiliated Business Arrangement Disclosure Statement - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxx8367 |  |  | Closed | 2025-09-22 13:10 | 2025-09-24 06:05 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. intent to Proceed received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXX XX XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxx8367 |  |  | Closed | 2025-09-22 14:52 | 2025-09-24 06:04 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Resolved. Homeownership Counseling Disclosure received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Homeownership Counseling Disclosure - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxx8367 |  |  | Closed | 2025-09-22 13:09 | 2025-09-24 06:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Resolved. Home Loan Toolkit received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXX XXXX XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXX XXX XXXX XXXXX XXXXXXXXXX XXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxx8367 |  |  | Closed | 2025-09-22 03:03 | 2025-09-24 04:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Providers List provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Written Service Provider List - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx9353 |  |  | Closed | 2025-09-23 04:51 | 2025-10-02 03:16 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated Appraisal document provided showing property as PUD. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The XXXX document shows property type as PUD but Appraisal reflects as SFR with no PUD selection. Provide updated XXXX/updated Appraisal document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXXXXX XX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9353 |  |  | Closed | 2025-09-23 14:10 | 2025-09-26 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Resolved. Lender provided the XXXX transcripts. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X IRS Transcripts Missing Per guidelines, for wage or salaried borrower, A completed, signed, and dated IRS Form XXXX-X is required for each borrower; if tax returns are present in the credit file, the transcript for the return will be required. Missing copy of tax transcripts in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXX XXXXXXXX XXX XXXX XXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XXXX XXXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9400 |  |  | Closed | 2025-09-22 12:30 | 2025-10-01 11:54 | Acknowledged | 2 - Non-Material C B | Compliance | State Reg | WA Prohibited Lender Fees Test | Acknowledged-Per outside counsel that the state anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the "WA APL's") are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL's. Finding acknowledged. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Upon update of disclosures and review of XX, prohibited fee are the (e) Discount points. WAC XXX-XXX-XXX:<br> Please see below. <br> (i) You must not collect a fee from the borrower for lowering the interest rate unless the interest rate is actually reduced.<br> (ii) You must be able to show a definitive mathematical relationship between discount points paid and the interest rate obtained via a rate sheet or pricing engine that was in effect when the interest rate was locked.<br> (iii) Any applicable residential mortgage loan program add-on fees must be disclosed as part of the discount points. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Transfer taxes and Property taxes are two different things and there are no property taxes listed on the Initial CD or the Final CD. - Seller-XX/XX/XXXX <br>Counter-Upon review of attachment, although the section totals match, the cost of fees do not. On the LE Transfer taxes is listed as X, however on the CD the property tax has a value listed, therefore it is considered a fee increase. COC would be required. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Rebuttal uploaded - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the prohibited lender fees test. (WA RCW §XX.XX.XXX)The loan charges a prohibited lender fee. Every licensee may:Agree with the borrower for the payment of fees to third parties other than the licensee who provide goods or services to the licensee in connection with the preparation of the borrower's loan, including, but not limited to, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes and may include such fees in the amount of the loan. However, no charge may be collected unless a loan is made, except for reasonable fees properly incurred for a credit report and in connection with the appraisal of property by a qualified, independent, professional, third-party appraiser selected by the borrower and approved by the lender or in the absence of borrower selection, selected by the lender.Collect at the time of the loan closing up to but not exceeding forty-five days of prepaid interest.Sell insurance covering real and personal property, covering the life or disability or both of the borrower, and covering the involuntary unemployment of the borrower. We have doc transfer fee of $XX added under initial CD and we have $XX lender credits for the same but under final CD lender credits has been increased to $X. we need COC for the same. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Transfer taxes and Property taxes are two different things and there are no property taxes listed on the Initial CD or the Final CD. - Seller-XX/XX/XXXX<br>| XXXXXXXXXXXX-XXX XXXXXXX XXXXXXX XXXX XXX XXXXX XXXX-XXXXXXXXX XXXXXXXXXX XX XXX XXXXXXXXXX XXXXXXXX XXXX XXX (XXX "XX XXX'X") XXX XXXXXXXXXX XXXXX XXXXXX XX XXXXX XXXXXX XXX XX XXX XXXXXX XXXXXXXX XXXXXXXXX/XXXXXXXXX XXXXXXXXXX XXXX XXX XX XXX'X. XXXXXXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX_XXXXXXXXXXXX XXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9400 |  |  | Closed | 2025-09-22 12:30 | 2025-10-01 04:29 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Confirmed with compliance leadership, the lender credit decreased without a COC, a COC is required on a lender credit decrease. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Escalated to management for review. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Transfer taxes and Property taxes are two different things and there are no property taxes listed on the Initial CD or the Final CD.<br> - Seller-XX/XX/XXXX <br>Counter-Upon review of attachment, although the section totals match, the cost of fees do not. On the LE Transfer taxes is listed as X, however on the CD the property tax has a value listed, therefore it is considered a fee increase. COC would be required. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Rebuttal uploaded - Buyer-XX/XX/XXXX <br>Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Mortgage Tax of $XX added to initial CD, $XX lender credits added at initial CD. Final CD lender credits decrease to $X and mortgage tax $XX fee present. Provide COC. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Transfer taxes and Property taxes are two different things and there are no property taxes listed on the Initial CD or the Final CD.<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX_XXXXXXXXXXXX XXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9400 |  |  | Closed | 2025-09-22 12:30 | 2025-10-01 04:29 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Transfer taxes and Property taxes are two different things and there are no property taxes listed on the Initial CD or the Final CD. - Seller-XX/XX/XXXX <br>Counter-Upon review of attachment, although the section totals match, the cost of fees do not. On the LE Transfer taxes is listed as X, however on the CD the property tax has a value listed, therefore it is considered a fee increase. COC would be required. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Rebuttal uploaded - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). We have doc transfer fee of $XX added under initial CD and we have $XX lender credits for the same but under final CD lender credits has been increased to $X. we need COC for the same. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Transfer taxes and Property taxes are two different things and there are no property taxes listed on the Initial CD or the Final CD. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Rebuttal uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX_XXXXXXXXXXXX XXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9400 |  |  | Closed | 2025-09-25 12:18 | 2025-10-01 04:29 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-What fee?! How much did it increase? There is no way to get you the documentation you need if you can't explain what you are asking for. - Buyer-XX/XX/XXXX <br>Counter-Loan open until COC provided for fee increase. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please clarify what you are looking for on this condition - Seller-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Please clarify what you are looking for on this condition - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9400 |  |  | Closed | 2025-09-25 12:18 | 2025-10-01 04:29 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-This condition will clear upon clearance of other compliance conditions. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This condition doesn't make much sense. You don't have a closing date? Final CD with closing/settlement date uploaded - Seller-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. This condition doesn't make much sense. You don't have a closing date? Final CD with closing/settlement date uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXXXX XXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9400 |  |  | Closed | 2025-09-22 13:34 | 2025-10-01 03:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Requested LOX provided for NSF Charges on Bank Statement, updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LOE for NSFs uploaded for review. - Seller-XX/XX/XXXX <br>Open-Borrower income qualified with XX months business bank statements under business bank statements we have multiple over drafts but borrower LOX missing in file for the same. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. LOE for NSFs uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXXXXX XXX XXX XXXXXXX XX XXXX XXXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXXXX XXX XX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9400 |  |  | Closed | 2025-09-22 11:35 | 2025-09-27 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Lender provided search with borrower's business. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. SE VOE uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing, as per XXXXXXXXX version XX/XX/XXXX and page #XX, we need Xrd party VOE with in XX business days only. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXX XXXX XXXXXXXX'X XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXXXX XX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9400 |  |  | Closed | 2025-09-22 12:30 | 2025-10-01 04:30 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower has Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX,Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower has Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX,Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XXX XXXXXX XXXXXX, XXXXXX XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX,XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XXX XXXXXX XXXXXX, XXXXXX XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX,XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1060 |  |  | Closed | 2025-09-26 12:51 | 2025-10-15 10:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Lender provided updated executed first payment letter confirming hazard insurance will not be included in monthly payments. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited DTI of XX.XX% is less than or equal to XXXXXXXXX DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Counter-Confirm if hazard will be escrowed on Xnd lien and no longer on the first lien loan. If so, New payment letter removing hazard insurance being escrowed for current lien is required. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This should be included, please attached - Buyer-XX/XX/XXXX <br>Counter-Upon further review, inclusion of hazard insurance premium of $XX.XX/month is causing DTI discrepancy. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-yes, this should be included. - Buyer-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% Audited DTI Is XX.XX% Exceeds XXXXXXXXX DTI XX%. Difference due to Insurance is reflecting on IEAD. Confirmation required on whether to include Hazard insurance in escrows for Xnd lien loan. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXXXXX XXXXX XXXXXXX XXXXXX XXXXXXXXXX XXXXXX XXXXXXXXX XXXX XXX XX XXXXXXXX XX XXXXXXX XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXX XX XX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXX XXXXXX.XXX_XXXXX_<br> X_X XXXXXX XXXXX XX .XXX_XXXXX_<br> XXXXXXX XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1060 |  |  | Closed | 2025-09-26 11:44 | 2025-09-30 13:00 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided settlement service provider list. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please review upload - Buyer-XX/XX/XXXX <br>Open-Missing Written Settlement Services Provider List. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXXXX XXXXXXX XXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXXXXXX XXXX (X).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1060 |  |  | Closed | 2025-09-26 11:43 | 2025-09-30 12:52 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided housing counselor list. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please review upload - Buyer-XX/XX/XXXX <br>Open-Housing counselor list is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXX XXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4998 |  |  | Closed | 2025-09-23 04:16 | 2025-09-30 05:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final Cd sign is missing, provided updated Final CD, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Final closing disclosure Sign Missing in the file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XX XXXX XX XXXXXXX, XXXXXXXX XXXXXXX XXXXX XX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX_XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4998 |  |  | Closed | 2025-09-23 02:14 | 2025-09-23 04:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Equity File IEAD document not available <br> This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg IEAD # and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'XXX, An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX 's and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets HPML guidelines, <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXXXX XXXX XXXX XXXXXXXX XXX XXXXXXXXX <br> XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX XXXX # XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX X, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXX 'X XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7476 |  |  | Closed | 2025-09-22 22:50 | 2025-10-01 03:04 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Requested Master Policy renewal Provided, Now Master Policy expiration date is after the Note Date, updated the same & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Master Policy Expiration Date of XX-XX-XXXX is Prior To the Transaction Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXX XXXXXX XXXXXXX XXXXXXXX, XXX XXXXXX XXXXXX XXXXXXXXXX XXXX XX XXXXX XXX XXXX XXXX, XXXXXXX XXX XXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXX XXXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XXX XXXXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXXX XXXXXX XXXXXXXXXX XXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXX XXXXXX XXXXXXXXX XXXX-XXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7476 |  |  | Closed | 2025-09-22 22:23 | 2025-10-01 03:01 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested Gap Credit Report that is within the XX Business days from Closing Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXXXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX XXXXXXX XXX XXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1477 |  |  | Closed | 2025-09-23 08:20 | 2025-10-02 15:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Resolved. The Final XXXX is Present, system is updated. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Incomplete - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Updated Final XXXX uploaded with ownership percentage marked, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Final XXXX for BX states self-employed. Provide the XXXX with the ownership percentage box appropriately checked off. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXX XXXXX XXXX XX XXXXXXX, XXXXXX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXXX XXXX XXXXXXXXX XXXXXXXXXX XXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1477 |  |  | Closed | 2025-09-25 15:42 | 2025-10-02 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This was uploaded to the other condition and cleared, but I have attached it here for you. Thank you! - Seller-XX/XX/XXXX <br>Counter-Provide a revised XXXX to match the income on the XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide income calculation worksheet for BX that equals monthly income amount reflected on XXXX & XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. This was uploaded to the other condition and cleared, but I have attached it here for you. Thank you! - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1477 |  |  | Closed | 2025-09-25 07:37 | 2025-09-30 06:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Fraud Report is missing in file. Provide the third party fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXX XXXXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1477 |  |  | Closed | 2025-09-25 07:15 | 2025-09-29 23:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-LOX for Credit inquiry uploaded which was on XX/XX/XXXX, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Credit report on page #XXX reflects an inquiry which was on XX/XX/XXXX (with XX days) with no LOE in file. Provide LOE for credit inquiry. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXX XXXXXX XXXXXXX XXXXXXXX XXXXX XXX XX XX/XX/XXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1271 |  |  | Closed | 2025-09-23 04:35 | 2025-09-23 05:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XX, XX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. <br> XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XX, XX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0756 |  |  | Closed | 2025-09-24 07:37 | 2025-09-29 16:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved, COC provided and updated to file. Mavent cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Points - Loan Discount Fee increased from Initial LE($XXX) to Revised CD($X,XXX.XX) and again decreased in Final CD($XXX.XX) but COC for the same is not available in file. Provide COC for the increase in Points - Loan Discount Fee. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXX XXXXXXXX XXX XXXXXXX XX XXXX. XXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6593 |  |  | Closed | 2025-09-24 06:25 | 2025-10-02 09:24 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Prohibited | Resolved-Undiscounted rate provided. Mavent is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached screenshot from the database showing the undiscounted rate of XX.XXX% on this loan. This supports that the discount points were applied correctly.<br>We have received a finding stating that the borrower paid $XX.XX in loan discount points, but the note rate of XX.XXX% does not appear lower than the starting/adjusted rate of X.X%. The concern is that the discount points may not reflect a bona fide rate reduction, making them non-allowable under Pennsylvania law.<br>However, documentation shows that the undiscounted rate was XX.XXX%, and the final note rate was reduced to XX.XXX%. This reflects a X.XXX% reduction, demonstrating that the discount points directly resulted in a lower note rate. This reduction satisfies the requirements of the Pennsylvania Mortgage Licensing Act, which permits borrower-paid discount points.<br>Best regards,only if they result in a bona fide reduction in the interest rate or time-price differential. In summary: The $XX.XX in discount points are compliant, as they effectively lowered the borrower's note rate from XX.XXX% to XX.XXX%. - Seller-XX/XX/XXXX <br>Counter-Please provide evidence of the undiscounted rate in order to complete testing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-We are receiving a finding stating that the borrower paid $XX.XX in loan discount points, but the note rate of XX.XXX% does not appear lower than the starting/adjusted rate of X.X%. The concern is that the discount points do not reflect a bona fide rate reduction, making them non-allowable under Pennsylvania law.<br> However, documentation shows that the undiscounted rate was XX.XXX%, and the final note rate was reduced to XX.XXX%. This reflects a X.XXX% reduction, which demonstrates that the discount points directly resulted in a lower note rate.<br> This reduction satisfies the requirements of the Pennsylvania Mortgage Licensing Act, which permits borrower-paid discount points only if they result in a bona fide reduction in the interest rate or time-price differential.<br> In summary: The $XX.XX in discount points are compliant, as they effectively lowered the borrower's note rate from XX.XXX% to XX.XXX%.<br> - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The borrower paid ($XX.XX) in loan discount points, but the (XX.X%) note rate is not less than the (X.X%) starting adjusted rate. The Pennsylvania Mortgage Licensing Act only allows borrower-paid discount points which result in a bona fide reduction of the interest rate or time-price differential applicable to a junior lien loan. (X Pa. Stat. XXXX, XXXX(a), XXXX(X)) Fired because the borrower paid $XX.XX in loan discount points. Per review of lender's Mavent in loan package undiscounted rate is $X. Unable to exclude points due to no undiscounted rate provided prior to review. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached screenshot from the database showing the undiscounted rate of XX.XXX% on this loan. This supports that the discount points were applied correctly.<br>We have received a finding stating that the borrower paid $XX.XX in loan discount points, but the note rate of XX.XXX% does not appear lower than the starting/adjusted rate of X.X%. The concern is that the discount points may not reflect a bona fide rate reduction, making them non-allowable under Pennsylvania law.<br>However, documentation shows that the undiscounted rate was XX.XXX%, and the final note rate was reduced to XX.XXX%. This reflects a X.XXX% reduction, demonstrating that the discount points directly resulted in a lower note rate. This reduction satisfies the requirements of the Pennsylvania Mortgage Licensing Act, which permits borrower-paid discount points.<br>Best regards,only if they result in a bona fide reduction in the interest rate or time-price differential. In summary: The $XX.XX in discount points are compliant, as they effectively lowered the borrower's note rate from XX.XXX% to XX.XXX%. - Seller-XX/XX/XXXX <br>Ready for Review-We are receiving a finding stating that the borrower paid $XX.XX in loan discount points, but the note rate of XX.XXX% does not appear lower than the starting/adjusted rate of X.X%. The concern is that the discount points do not reflect a bona fide rate reduction, making them non-allowable under Pennsylvania law.<br> However, documentation shows that the undiscounted rate was XX.XXX%, and the final note rate was reduced to XX.XXX%. This reflects a X.XXX% reduction, which demonstrates that the discount points directly resulted in a lower note rate.<br> This reduction satisfies the requirements of the Pennsylvania Mortgage Licensing Act, which permits borrower-paid discount points only if they result in a bona fide reduction in the interest rate or time-price differential.<br> In summary: The $XX.XX in discount points are compliant, as they effectively lowered the borrower's note rate from XX.XXX% to XX.XXX%.<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXX XXXX XXXXXXXX. XXXXXX XX XXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6593 |  |  | Closed | 2025-09-24 05:17 | 2025-10-01 14:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Updated Matrix Provided, Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Buyer-XX/XX/XXXX <br>Counter-Effective date of matrix provided is X/XX/XX. Lock date for this loan is X/XX/XX and the loan closed on X/XX/XX. The prior Guideline Minimum Loan Amount of $XX,XXX was still in effect. Please provide an exception for loan approved against lender guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached matrices for equity advantage. The Guideline Minimum Loan Amount of is XX,XXX. - Seller-XX/XX/XXXX <br>Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Missing exception. Audited Loan Amount of $XX,XXX is less than the Guideline Minimum Loan Amount of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached matrices for equity advantage. The Guideline Minimum Loan Amount of is XX,XXX. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXX XXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XX XXXXXX XXXXXXXXX XXXXXXXX (X).XXX_XXXXX_<br> XXXX_XXXXXXXXX_XXXX-XX-XX-XX-XX-XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6593 |  |  | Closed | 2025-09-24 05:49 | 2025-10-02 09:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This Xnd lien loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pg XX, per the other considerations section of Initial LE issued within X business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX-XXXXXX XXX XX XXXXXXX XXXXXX. XXXXXX XXXXXXX XXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXX XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXX XXXXX XXXXXXXXXXXXXX XXXXXXX XX XXXXXXX XX XXXXXX XXXXXX X XXXXXXXX XXXX XXXX XXX XXXXXXXXXXX XXXX, X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1376 |  |  | Closed | 2025-09-25 00:39 | 2025-10-14 07:02 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached exception approval: <br> Comp Factors:<br> \*XXX FICO<br> \*XX.XX months reserves after closing<br> \*Good credit score/profile<br> \*High residual income<br> \*Low LTV at XX.XXX/low CLTV XX.XXX - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Gap report. - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | XXXXXXXXX .XXX |  | XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> XXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXXXXXXX XXXXXX XX $$X,XXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $XXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx1376 |  |  | Closed | 2025-09-24 04:26 | 2025-09-30 04:02 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document uploaded with correct appraised value, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find updated XXXX with the correct appraised value, thank you - Buyer-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provided XXXX page #XXXX reflects appraised value of $XXXXXXX however AVM reflects $XXXXXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXX XXXXXXXXX XXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1563 |  |  | Closed | 2025-09-24 17:23 | 2025-10-01 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-XXXX X XXXX XXX X PIT $XXX.XX + HOA $XXX = $X,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Hi, they are collecting escrow. It's on the Mortgage Statement. - XXXXXX-XX/XX/XXXX <br>Open-Missing evidence of property tax XXXX XXXXX XXXX XXXXXX XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi, they are collecting escrow. It's on the Mortgage Statement. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXX X XXXX XXX X XXX $XXX.XX + XXX $XXX = $X,XXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX_XXXX XXXXX XXXX - XXXX XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1563 |  |  | Closed | 2025-09-24 00:48 | 2025-09-29 09:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(f)(X)(v)). Points - Loan Discount Fee increased from Initial CD($XXX) to Revised CD($X,XXX) but COC is not available in file for the same. Provide COC for Points - Loan Discount Fee increase. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX_XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9469 |  |  | Closed | 2025-09-24 21:07 | 2025-10-03 04:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please review upload - XXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9469 |  |  | Closed | 2025-09-24 21:07 | 2025-10-03 04:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9469 |  |  | Closed | 2025-09-25 00:15 | 2025-09-25 00:20 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX AB XXX higher-priced mortgage loan test. (XX AB XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _XX___ and the Final Closing disclosure on Pg#'s __XX__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __XXX___ An interior and exterior appraisal was completed for this property – see pg _XX-XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__XX_ , and copy of the appraisal was given to the borrower – see Pg#'s __XX___ for the copy of the disclosure. The loan meets HPML guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X _XX___ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X __XX__ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X __XXX___ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX _XX-XX___ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X__XX_ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X __XX___ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9469 |  |  | Closed | 2025-09-25 00:15 | 2025-09-25 00:20 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _XX___ and the Final Closing disclosure on Pg#'s __XX__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __XXX___ An interior and exterior appraisal was completed for this property – see pg _XX-XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__XX_ , and copy of the appraisal was given to the borrower – see Pg#'s __XX___ for the copy of the disclosure. The loan meets HPML guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X _XX___ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X __XX__ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X __XXX___ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX _XX-XX___ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X__XX_ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X __XX___ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2642 |  |  | Closed | 2025-09-25 13:56 | 2025-09-29 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 4 Lease Agreements Missing | Resolved-Borrower X Lease Agreements Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing lease agreement XXXX X XXX XX $X,XXX per month used for qualifying per Final XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXX XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2642 |  |  | Closed | 2025-09-25 06:38 | 2025-10-27 16:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2642 |  |  | Closed | 2025-09-25 06:38 | 2025-10-27 16:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx8450 |  |  | Closed | 2025-10-14 01:10 | 2025-10-17 04:22 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved, received all requested revised LEs, CDs, and COC's. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(f)(X)(v)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Credit Report Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(f)(X)(v)). Missing X/XX/XXXX (Have COC already dated XX/XX/XXXX) and X/X/XXX (Have COC already dated XX/XX/XXXX) LEs and XX/XX/XXXX and XX/XX/XXXX CDs. Please also provide any COCs corresponding to the CDs missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXX XXX XXXXXXXXX XXXXXXX XXX, XXX, XXX XXX'X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX X XX XX.XXX_XXXXX_<br> XXXXXXX X XX XX.XXX_XXXXX_<br> XXXXXXX XX X.XXX_XXXXX_<br> XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1062 |  |  | Closed | 2025-09-25 00:03 | 2025-10-03 03:57 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX Document with corrected Subordinate Lien P&I uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Subordinate Lien P&I amount updated as wrong as per Note document P&I is $ XXXX.XX and Final XXXX updated as $ X,XXX.XX. required updated XXXX document. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXX XXXXXXXXXXX XXXX X&X XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0241 |  |  | Closed | 2025-09-25 01:31 | 2025-10-01 08:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a Xxxxxxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the Xxxxxxxxxx HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) duplicate finding - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXXXXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0241 |  |  | Closed | 2025-09-25 01:31 | 2025-10-01 08:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A doc and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# X/X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" <br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6999 |  |  | Closed | 2025-10-02 03:04 | 2025-10-16 11:57 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6999 |  |  | Closed | 2025-10-02 03:04 | 2025-10-16 11:57 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Invalid Condition, reimbursement amount is within the tolerance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXXXXXXXXX XXXXXX XXXXXXXXXX XXXX.XXX XXXX XXXXXX XXX XX XXXX XXXXXXXXX XXXXX XXX XXX XXX XXXXXXX X XXXXXXXXXXXXX XXXXXX. XXXX XXXXXXXXXXX XX XXXXXXXXX XX XXXXX XX XXXXXXXXX XXXXXXX XXXXXXXXXXXXX XXXXXXXXXXXX. XXXXXXX XXXXXXXXX, XXXXXXXXXXXXX XXXXXX XX XXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXX XXX XXXXXXXX XX XXXXXX XXXXXX $XXX.XXX_XXXXX_<br> X XX XXX. XXX $XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6999 |  |  | Closed | 2025-10-02 03:04 | 2025-10-16 11:57 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Invalid Condition, Consummation date is present. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXXX XX XXXXXXXXXXXXX XXXX XXXXXXXXXX XXXX.XXX XXXX XXXXXX XXX XX XXXX XXXXXXXXX XXXXX XXX XXX XXX XXXXXXX XXXXXX X XXXXXXXXXXXXX XXXX XX X XXXXXXXXXXXX XXXX (XX XXXXXXX / XXXXXXXXXX XXXX, XX XXXXXXXXXXXX XXXX XX XXX XXXXXXXXX). XXXX XXXXXXXXXXX XX XXXXXXXXX XX XXXXX XX XXXXXXXXX XXXXXXX XXXXXXXXXXXXX XXXXXXXXXXXX. XXXXXXX XXXXXXXXX, XXXXXXXXXXXX XXXX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XX XXX. XXX $XXX XXXXXX.XXX_XXXXX_<br> X XXXXX XXX XXXXXXXX XX XXXXXX XXXXXX $XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6999 |  |  | Closed | 2025-10-02 03:04 | 2025-10-16 11:57 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-On the final CD, the title policy increased from $XXX to $XXX which was more than a XX% increase. The file did not contain a COC which addressed the increase on the final CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). Invalid Condition, Charges did not increase. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXXX XXXX XX XXXXX XXXXXX XXXXXXXX XXXX XXXX XX% XXXX. (XX XXX §XXXX.XX(X)(X)(XX))XXX XXXX XXXXXXXX XXXXX-XXXXX XXXXXXXX XXXX XXX XXXXXXXX XXX XXXXXXXXX XX XXXX XXX XXX XXX XXXXXXX XXXXXX XXX XXXX XXXXX XXXXXXXXX XXXXXXXXX XX §XXXX.XX(X)(X)(XX). XXX XXXXX XXXXXXX XXXX XX XXXXX XXXXXX XXXXXXXX XXXX XXXX XX% ($X,XXX.XX) XXXXXX XXX XXXXXXXXXX XXXXXXX ($XX.XX) XX XXXX XXXX XX%. XXXXXX XXX XXX XXXXX XXXX XXXXXXXX XXX XXXXXXX XXXX XXXXXX XXXXXXXX XXXX XXXX XX% XXX X XXXXXXXXXX XX XXX XXXX XXXXXXX XXX XXXXXXXX XXXXXXXXXXX.XX XXXXXXXX XX X XXXXXX XXX X XXXXX-XXXXX XXXXXXX XX X XXXXXXXXX XXX XX XX XXXX XXXXX XX:(X) XXX XXXXXXXXX XXXXXX XX XXXXXXX XXX XXXXX-XXXXX XXXXXXXX XXX XXXXXXXXX XXXX XXXX XX XX XXXXXXX XX XXX XXXXXXXX XXXX XXX XXXXXX XXX XXXXXXXXX XXXXXX XX XXXX XXXXXXX XXXXXXXXX XXXXX §XXXX.XX(X)(X)(X) XX XXXX XXXX XX XXXXXXX;(X) XXX XXXXXX XXX XXX XXXXX-XXXXX XXXXXXX XX XXX XXXX XX XXX XXXXXXXX XX XX XXXXXXXXX XX XXX XXXXXXXX; XXX(X) XXX XXXXXXXX XXXXXXX XXX XXXXXXXX XX XXXX XXX XXX XXXXX-XXXXX XXXXXXX, XXXXXXXXXX XXXX §XXXX.XX(X)(X)(XX). XXXXXXX XXXXXXXXX, XXXXXXX XXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXX XXX XXXXXXXX XX XXXXXX XXXXXX $XXX.XXX_XXXXX_<br> X XX XXX. XXX $XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6999 |  |  | Closed | 2025-10-16 11:41 | 2025-10-16 11:57 | Resolved | 1 - Information C A | Compliance | TRID | TRID Lender's and Owner's Title Insurance Policy Amounts Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Lender's and Owner's Title Insurance Policy Amounts validation test.This loan contains a value for one, but not both of the following fields:As Disclosed Lender's Title Insurance Policy and Actual Lender's Title Insurance Policy; orAs Disclosed Owner's Title Insurance Policy and Actual Owner's Title Insurance Policy.The CFPB's Official Interpretations to the TILA-RESPA Integrated Disclosure (TRID) Final Rule requires the use of a specific calculation to arrive at the value to be provided on the disclosure forms. The Lender's Title Insurance Policy is always disclosed as the full policy amount, even if a simultaneous issue of the Owner's Title Insurance Policy is present. The Owner's Title Insurance Policy is calculated by taking the full owner's title insurance premium, adding the simultaneous issuance premium for the lender's coverage (if any), and then deducting the full premium for the lender's coverage. The value derived from this calculation is required for accurate tolerance testing under TRID, and should be entered in the "as disclosed" field in ComplianceAnalyzer.The "as disclosed" value derived from the above calculation, however, generally will not be representative of the actual value paid for the title insurance. Therefore it cannot be used for testing state and federal fee thresholds, as it will likely yield incorrect results for such tests. Accordingly, the actual value paid for the title insurance must be entered in the corresponding "actual" title insurance policy field(s). If there is no difference between the actual and disclosed values for either the owner's or lender's title insurance, please enter the same value in the "actual" and "as disclosed" fields. For more information on how these fields are used, please refer to the glossary. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6999 |  |  | Closed | 2025-10-15 08:42 | 2025-10-15 09:29 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-XX entry corrected. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , XX CFR §XXXX.XX(e)(X)(i))The revised closing disclosure delivery date is either: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 receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This 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 §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure) and §XXXX.XX(e)(X)(ii) (relationship to closing disclosure). 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:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXXX.XX(e)(X)(ii)Relationship to disclosures required under §XXXX.XX(f)(X)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §XXXX.XX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i)...However, if a creditor uses a revised estimate pursuant to § XXXX.XX(e)(X)(iv) for the purpose of determining good faith under § XXXX.XX(e)(X)(i) and (ii), § XXXX.XX(e)(X)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXXX.XX(f)(X)(i) (including any corrected disclosures provided under § XXXX.XX(f)(X)(i) or (ii)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX XXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6999 |  |  | Closed | 2025-10-02 03:04 | 2025-10-15 08:14 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Invalid Condition, Charges did not increase. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXXX XXXX XXXXXX XXXXXXXX XXXX. (XX XXX §XXXX.XX(X)(X)(X))XXX XXXX XXXXXXXX XXXXXXX XXXX XXXXXX XXX XXXX XXXXX XXXXXXXXXXXXX XXXXXXXXX XX §XXXX.XX(X)(X)(X).XXX XX XXXX XX XXX XXXXX XXXXXXX XXXXXX XXX XXXXXXXXXX XXXXXX. XXXX XXXXX XXXXXXXXX XXXXXXXXX XX $.XXXXXX XXX XXX XXXXXXXXX XXXXXXXXXX XXXXX XXXX XXXXXXXX XXX XXXXXXX XXXX XXXXXX XXXXXXXX XXX X XXXXXXXXXX XX XXX XXXX XXXXXXX XXX XXXXXXXX XXXXXXXXXXX.XX XXXXXXXXX XXXXXXX XXXX XXXXXXXXX XXXXXXXX XX §XXXX.XX(X) XX XX XXXX XXXXX XX XXX XXXXXX XXXX XX XX XXXXXXX XX XXX XXXXXXXX XXXX XXX XXXXXX XXX XXXXXX XXXXXXXXXX XXXXXXXXX XXXXX §XXXX.XX(X)(X)(X). XXXXXXX XXXXXXXXX, XXXXXXX XXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XX XXX. XXX $XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6999 |  |  | Closed | 2025-09-30 10:12 | 2025-10-02 07:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX provided. Borrower's time at current residence has been updated to X months. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Purchase settlement date to note date is used to calculate the X months. Updated XXXX attached. - Buyer-XX/XX/XXXX <br>Open-Per final XXXX in file, borrower indicated they have lived in the subject property for X months. There is a X month minimum seasoning for c/o refinances. Provide corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX. XXXXXXXX'X XXXX XX XXXXXXX XXXXXXXXX XXX XXXX XXXXXXX XX X XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6999 |  |  | Closed | 2025-09-30 08:55 | 2025-10-02 07:09 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6999 |  |  | Closed | 2025-09-26 03:49 | 2025-10-02 03:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X-XXXXXXX-XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6999 |  |  | Closed | 2025-09-26 02:33 | 2025-10-02 02:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE that is within the XX Business days from closing Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1675 |  |  | Closed | 2025-10-01 08:51 | 2025-10-22 09:22 | Resolved | 1 - Information C A | Compliance | Mavent | Rescission: Variance | Resolved-Reopened RTC, docs provided. - Due Diligence Vendor-XX/XX/XXXX <br>Counter- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Escalated internally. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Although the Note, NRTC, and Final CD were signed on X/XX/XXXX, the mortgage was not signed/notarized until X/XX/XXXX. The signing of this document opens the Rescission Window. Borrower has X days. the XXth, XXth, and XXth (a Wed, Thurs, Fri) to rescind. The earliest this loan can fund is X/XX/XXXX, a Saturday. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached FSS which matched our PCCD. we will not reopen the NRTC. - Seller-XX/XX/XXXX <br>Counter-The re-executed ROR is required based on the timing issue of the PCCD Date. Provide a revised ROR. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Provide the re-executed ROR to resolve the timing issue for the rescission period. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Reg Z, funds may not be disbursed to the borrower until the expiration of the rescission period. The Last Closing Disclosure (XXXX-XX-XX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX-XX-XX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the Xrd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX.XX(c) and (d) and XXXX.XX(g) (if applicable). (XX CFR XXXX.XX) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Reg Z, funds may not be disbursed to the borrower until the expiration of the rescission period. The Last Closing Disclosure (XXXX-XX-XX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX-XX-XX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the Xrd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX.XX(c) and (d) and XXXX.XX(g) (if applicable). (XX CFR XXXX.XX) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached FSS which matched our PCCD. we will not reopen the NRTC. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXX, XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX XXX.XXX_XXXXX_<br> XXXXX XXX.XXX_XXXXX_<br> XXX - XXXX XXXXX.XXX_XXXXX_<br> XXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1675 |  |  | Closed | 2025-09-26 06:54 | 2025-10-01 08:52 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XX CFR XXXX.XX(c) and Official Staff Commentary) Funds were disbursed prior to rescission expiration period. Provide a revised PCCD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1675 |  |  | Closed | 2025-09-26 06:54 | 2025-10-01 08:52 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Funds were disbursed prior to rescission expiration period. Provide a revised PCCD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1675 |  |  | Closed | 2025-09-26 05:21 | 2025-09-30 00:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final & Initial XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete The Final XXXX income for borrower does not match the XXXX or income worksheet and the first page of the initial XXXX is from X/XX/XXXX while the remaining pages are X/XX/XXXX with the borrower and LO signature on XX/XX/XXXX. Provide a revised initial and final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX & XXXXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX_XXXXX_<br> XXXXX XXXXXX XXXX XXX.XXX_XXXXX_<br> XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0532 |  |  | Closed | 2025-09-30 20:21 | 2025-10-03 10:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided Lender provided complete and executed Final CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided complete and executed final CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Executed final CD in file is missing p. X of document. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXXXXXXX XXX XXXXXXXX XXXXX XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XXX XXXXXXXX XXXXX XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX XXXXXX (X).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0532 |  |  | Closed | 2025-09-30 19:59 | 2025-10-03 10:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX is Present Lender provided fully executed Initial XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided fully executed Initial XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Executed Initial XXXX is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1598 |  |  | Closed | 2025-10-01 23:23 | 2025-10-08 02:22 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing history of remaining previous X months provided, Meets housing history requirements of XX months. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find an explanation along with the previously submitted housing payment history to clear this finding as submitted. Thank you. - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to Verify the Primary Housing History Provided X Mortgage statement page no#XXXX-XXXX, Per GL We need to Verify XX Months housing History , Required X Mortgage statement or VOM. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXX XX XXXXXXXXX XXXXXXXX X XXXXXX XXXXXXXX, XXXXX XXXXXXX XXXXXXX XXXXXXXXXXXX XX XX XXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XXXXXX - XXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX - XXXXXX - XXXXXXX XXXXXXX XXX XXXXXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1598 |  |  | Closed | 2025-10-02 03:42 | 2025-10-02 20:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property: Land Area exceeds guideline maximum | Waived-Land Area/Acreage exceeds guideline maximum Lender provided approved exception in file, pg. XXXX, for subject property having X.XX acres where the max permitted is X acres. Subject is strictly residential with zoning RV Single Family; acreage and land value typical and common for the subject's market. Subject is in a suburban location on the outskirts of San Diego, with easy access to public amenities. Subject is located in a small subdivision of high-end homes on large parcels surrounded by a golf course. Finding waived. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXX XXXX/XXXXXXX XXXXXXX XXXXXXXXX XXXXXXX XXXXXX XXXXXXXX XXXXXXXX XXXXXXXXX XX XXXX, XX. XXXX, XXX XXXXXXX XXXXXXXX XXXXXX X.XX XXXXX XXXXX XXX XXX XXXXXXXXX XX X XXXXX. XXXXXXX XX XXXXXXXX XXXXXXXXXXX XXXX XXXXXX XX XXXXXX XXXXXX; XXXXXXX XXX XXXX XXXXX XXXXXXX XXX XXXXXX XXX XXX XXXXXXX'X XXXXXX. XXXXXXX XX XX X XXXXXXXX XXXXXXXX XX XXX XXXXXXXXX XX XXX XXXXX, XXXX XXXX XXXXXX XX XXXXXX XXXXXXXXX. XXXXXXX XX XXXXXXX XX X XXXXX XXXXXXXXXXX XX XXXX-XXX XXXXX XX XXXXX XXXXXXX XXXXXXXXXX XX X XXXX XXXXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> XXXXXXXX XXXXXXXX XXXXXXX XX XXXX, XX XXXXXX. XXXXXXXX XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXX, XX XXXXXX.<br> XXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXXXXXXX XXXXXX XX $XXXXXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $XXXX. | XX | Second Home | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx0732 |  |  | Closed | 2025-10-03 10:09 | 2025-10-10 06:03 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Counter-Letter of explanation was not attached - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Please see the attached explanation from UW mgmt and clear this finding as submitted. Thank you. - Buyer-XX/XX/XXXX <br> Open-Operating agreement is missing for XXX, operating agreement in file is for XXX - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | XXXXXXXXXX - XXXXXX - XXXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0738 |  |  | Closed | 2025-10-03 12:39 | 2025-10-09 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided updated fraud report showing all required alerts clear. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find updated Fraud Report with cleared alerts to clear this finding. Thank you. - Buyer-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud report in file show unclear high alerts. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXX XXXXXX XXXXXXX XXX XXXXXXXX XXXXXX XXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XX XXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0737 |  |  | Closed | 2025-10-03 11:52 | 2025-10-10 04:52 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Lender provided updated fraud report with cleared high alerts. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached fraud guard report - Buyer-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows unclear high alert. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXX XXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XX XXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0641 |  |  | Closed | 2025-10-02 08:19 | 2025-10-10 06:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached fraud report - Buyer-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared HIgh Alerts without cleared comments, a processor cert was not provided - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XX XXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0734 |  |  | Closed | 2025-10-06 08:12 | 2025-10-14 10:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of cleared fraud report Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please note we are unable to print the cleared fraud alerts. Please see screen shot from UW manager reflecting they have been cleared. Kindly please clear this finding as presented, thank you! - Buyer-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts which need to be researched and cleared. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1295 |  |  | Closed | 2025-10-06 11:09 | 2025-10-09 10:48 | Resolved | 1 - Information C A | Credit | Eligibility | Bankruptcy History does not meet guidelines | Resolved-Upon review of Fraud report provided, there are no bankruptcies present. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX <br>Open-Unable to determine until Fraud report provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXX XX XXXXX XXXXXX XXXXXXXX, XXXXX XXX XX XXXXXXXXXXXX XXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXX-XXXXX XXXXXX-XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1295 |  |  | Closed | 2025-09-30 21:40 | 2025-10-09 02:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXX-XXXXX XXXXXX-XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1295 |  |  | Closed | 2025-09-30 21:14 | 2025-09-30 23:56 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ____ and the Final Closing disclosure on Pg#'sXXX ____ reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX _____ An interior and exterior appraisal was completed for this property – see pg XX - XX ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX___ , and copy of the appraisal was given to the borrower – see Pg#'sXXX _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X ____ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX ____ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXXX _____ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX - XX ____ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXXX___ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'XXXX _____ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1295 |  |  | Closed | 2025-09-30 21:14 | 2025-09-30 23:55 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-This loan failed the higher-priced mortgage loan required escrow account test. (XX CFR §XXXX.XX(b))This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in XXXX.XX(b)(X) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's 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.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(X)This test does not consider whether the creditor complies with XX CFR §XXXX.XX(b)(X)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the XXXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXX.(X)This test does not account for instances when mortgage insurance reserves must be escrowed based on XX CFR §XXXX.XX. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ____ and the Final Closing disclosure on Pg#'sXXX ____ reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX _____ An interior and exterior appraisal was completed for this property – see pg XX - XX ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX___ , and copy of the appraisal was given to the borrower – see Pg#'sXXX _____ for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXX XXXXXXX XXXX. (XX XXX §XXXX.XX(X))XXXX XXXX XXXXX XX XXXXXXX XXXXXXXX XXX XXXXXX:XXX XXXXXXX XX XXXXXXXXX'X XXXXXXXXX XXX XXXXXXXX XXXXX XXX XXXXXXXXXX XXXX XXX XXX X XXXXXXXXXXX, XXXX XXXX XXXXXXXXXXX, XX XXXXXXX XXXX XXXXXXXXXXX, XXXXX XXXX XXXXXXXX X XXXXXX XXX XXXX XX XXXXXXXXXX XXXXXXXXX XX "XXXXXX XX XXXXXXXX" XXX XXX XXX XXXX XXX XXXX X XXXXXX XXXXX XXXXXX; XXXXX XXXXXXX XX XXXXXXXX XXXXX XXX XXXXXXXXXXX, XX XXXX XXXX XXXXXXXXXXX, XX XXXXXXX XXXX XXXXXXXXXXX.XXXXXX XX XXXXXXXX XX XXXX.XX(X)(X) XXXXXXXXX XXXXXXXXXX, X XXXXXXXX XXX XXX XXXXXX X XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXX XX X XXXXX XXXX XX X XXXXXXXX'X XXXXXXXXX XXXXXXXX XXXXXX XX XXXXXX XXXXXXX XX XXXXXXXXXXX XXXXXX XXXXXXXXXXXX XXX XXXXXXX XX XXXXXXXX XXXXX XXX XXXXXXXX XXX XXXXXXXX-XXXXXXX XXXXXXXXX XXXXXXXX XX XXX XXXXXXXX, XXXX XX XXXXXXXXX XXXXXXX XXXX XX XX XXXXXX XX XXXXXXXX, XX XXXXXXX XXXXXXXXX XXXXXXX XXX XX XXX XXXXXXXXX XX XXX XX XXX XXXXXXXX, XX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XXXXXXX XXX XXXXXXXX'X XXXXXXX XX XXXXX XXXXXX XXXX.XXXXXXXXX XXXXXXXX XXXXXXXXX XX XXXXX XXXX XXX XX XXXXXXXX XX XXXXXX XXXXXXXX XXX XXXXX XXXXXXX XX XXXXXXXXX XX XXXXXXXXXXXX, XXXXXXX XXXX XXXXXXXXXXXX, XX XXXXX XXXXXX XXXXXXXX XXXXXXXXXXX XX XXXXX XXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXXXXXX XX X XXXXXXXXX XXXXXXXXXXX, XXXXX XXX XXXXXXXXX XXXXXXXXXXX XXX XX XXXXXXXXXX XX XXX XXXXXXXX XXXXXX XX XXXXXXXX X XXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXX.XXXXXX XXXX:(X)XXXX XXXX XXXX XXX XXXXXXXX XXXXXXX XXX XXXXXXXX XXXXXXXX XXXX XX XXX §XXXX.XX(X)(X)(XXX) XXXXXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XX XXXXXXXX XXXXXXXXXX XX XXXXXX "XXXXX" XX "XXXXXXXXXXX" XX XXX XXXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXX.(X)XXXX XXXX XXXX XXX XXXXXXX XXX XXXXXXXXX XXXX XXXXXXXX XXXXXXXXX XXXXXXXX XXXX XX XXXXXXXX XXXXX XX XX XXX §XXXX.XX. XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXX (XXXXX) XXX XXXX XXXXXX XXXXXXXXXXXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X ____ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX ____ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXXX _____ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX - XX ____ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXXX___ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'XXXX _____ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1295 |  |  | Closed | 2025-09-30 21:14 | 2025-09-30 23:55 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-This loan failed the higher-priced mortgage loan required escrow account test. (XX CFR §XXXX.XX(b))This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in XXXX.XX(b)(X) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's 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.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(X)This test does not consider whether the creditor complies with XX CFR §XXXX.XX(b)(X)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the XXXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXX.(X)This test does not account for instances when mortgage insurance reserves must be escrowed based on XX CFR §XXXX.XX. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ____ and the Final Closing disclosure on Pg#'sXXX ____ reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX _____ An interior and exterior appraisal was completed for this property – see pg XX - XX ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX___ , and copy of the appraisal was given to the borrower – see Pg#'sXXX _____ for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXX XXXXXXX XXXX. (XX XXX §XXXX.XX(X))XXXX XXXX XXXXX XX XXXXXXX XXXXXXXX XXX XXXXXX:XXX XXXXXXX XX XXXXXXXXX'X XXXXXXXXX XXX XXXXXXXX XXXXX XXX XXXXXXXXXX XXXX XXX XXX X XXXXXXXXXXX, XXXX XXXX XXXXXXXXXXX, XX XXXXXXX XXXX XXXXXXXXXXX, XXXXX XXXX XXXXXXXX X XXXXXX XXX XXXX XX XXXXXXXXXX XXXXXXXXX XX "XXXXXX XX XXXXXXXX" XXX XXX XXX XXXX XXX XXXX X XXXXXX XXXXX XXXXXX; XXXXX XXXXXXX XX XXXXXXXX XXXXX XXX XXXXXXXXXXX, XX XXXX XXXX XXXXXXXXXXX, XX XXXXXXX XXXX XXXXXXXXXXX.XXXXXX XX XXXXXXXX XX XXXX.XX(X)(X) XXXXXXXXX XXXXXXXXXX, X XXXXXXXX XXX XXX XXXXXX X XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXX XX X XXXXX XXXX XX X XXXXXXXX'X XXXXXXXXX XXXXXXXX XXXXXX XX XXXXXX XXXXXXX XX XXXXXXXXXXX XXXXXX XXXXXXXXXXXX XXX XXXXXXX XX XXXXXXXX XXXXX XXX XXXXXXXX XXX XXXXXXXX-XXXXXXX XXXXXXXXX XXXXXXXX XX XXX XXXXXXXX, XXXX XX XXXXXXXXX XXXXXXX XXXX XX XX XXXXXX XX XXXXXXXX, XX XXXXXXX XXXXXXXXX XXXXXXX XXX XX XXX XXXXXXXXX XX XXX XX XXX XXXXXXXX, XX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XXXXXXX XXX XXXXXXXX'X XXXXXXX XX XXXXX XXXXXX XXXX.XXXXXXXXX XXXXXXXX XXXXXXXXX XX XXXXX XXXX XXX XX XXXXXXXX XX XXXXXX XXXXXXXX XXX XXXXX XXXXXXX XX XXXXXXXXX XX XXXXXXXXXXXX, XXXXXXX XXXX XXXXXXXXXXXX, XX XXXXX XXXXXX XXXXXXXX XXXXXXXXXXX XX XXXXX XXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXXXXXX XX X XXXXXXXXX XXXXXXXXXXX, XXXXX XXX XXXXXXXXX XXXXXXXXXXX XXX XX XXXXXXXXXX XX XXX XXXXXXXX XXXXXX XX XXXXXXXX X XXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXX.XXXXXX XXXX:(X)XXXX XXXX XXXX XXX XXXXXXXX XXXXXXX XXX XXXXXXXX XXXXXXXX XXXX XX XXX §XXXX.XX(X)(X)(XXX) XXXXXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XX XXXXXXXX XXXXXXXXXX XX XXXXXX "XXXXX" XX "XXXXXXXXXXX" XX XXX XXXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXX.(X)XXXX XXXX XXXX XXX XXXXXXX XXX XXXXXXXXX XXXX XXXXXXXX XXXXXXXXX XXXXXXXX XXXX XX XXXXXXXX XXXXX XX XX XXX §XXXX.XX. XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXX (XXXXX) XXX XXXX XXXXXX XXXXXXXXXXXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X ____ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX ____ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXXX _____ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX - XX ____ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXXX___ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'XXXX _____ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1295 |  |  | Closed | 2025-09-30 21:14 | 2025-09-30 23:54 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX AB XXX higher-priced mortgage loan test. (XX AB XXX, XXXXXXXXXX XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ____ and the Final Closing disclosure on Pg#'sXXX ____ reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX _____ An interior and exterior appraisal was completed for this property – see pg XX - XX ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX___ , and copy of the appraisal was given to the borrower – see Pg#'sXXX _____ for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X ____ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX ____ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXXX _____ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX - XX ____ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXXX___ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'XXXX _____ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2082 |  |  | Closed | 2025-10-01 07:44 | 2025-10-06 04:24 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Provide a revised XXXX with the corrected representative score per the XX section X.X for the primary wage earner. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXXXX XXXX XX XXX XXXX XXXXXXX XXX XXXXXXXXXX XXXX XXXX XXX XXXXXX XXXXXXXXXXX, XXXXXXXX - XXXXXXXX <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2082 |  |  | Closed | 2025-10-01 05:49 | 2025-10-03 00:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. updated ethnicity - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-what is missing on section X for co borrower? Everything is filled out. - Seller-XX/XX/XXXX _xXXXX_<br> Open-The Final XXXX is Incomplete Provided a revised Final XXXX for BX section X type of property is incomplete and the Ethnicity section is not filled out. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. updated ethnicity - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-what is missing on section X for co borrower? Everything is filled out. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0748 |  |  | Closed | 2025-10-02 22:28 | 2025-10-02 22:39 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX." - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0748 |  |  | Closed | 2025-10-02 22:28 | 2025-10-02 22:39 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX AB XXX higher-priced mortgage loan test. (XX AB XXX, XXXXXXXXXX XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions specify that lenders may lawfully 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX." <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1628 |  |  | Closed | 2025-10-01 08:39 | 2025-10-03 08:01 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Documentation received to resolve the finding. Updated guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Counter-The screen print reflects the guideline matrix used is XX/XX/XXXX; however, QC does not have the matrix to review. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Hi, per our UW - This is a standalone second. There is no matrix for the first lien as we did not finance it. We only put the Xst Matrix Date if this was a Concurrent Second. This is a standalone second. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Approval in file reflects matrix version date as XX/XX/XX, but the matrix has not been provided & First Lien matrix Version date is blank. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Hi, per our UW - This is a standalone second. There is no matrix for the first lien as we did not finance it. We only put the Xst Matrix Date if this was a Concurrent Second. This is a standalone second. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXXXXXXX XXXXXXXX XX XXXXXXX XXX XXXXXXX. XXXXXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2272 |  |  | Closed | 2025-10-02 05:58 | 2025-10-21 12:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Per UW Management: "This was a bit of a "one off" but XXX is simultaneously funding the purchase of the borrower's new construction primary residence (XXXXXXXXXX) with XXXX XXXXXX, XXXXXX XXXXX. The simultaneous new home purchase is an upgrade in size, age, and value, and the subject of this loan is being converted to investment even though the borrower still occupies it temporarily. This was permitted with the knowledge and approval of underwriting management for a concurrent close scenario. Mailing address will be changed to XXXXX XXXXXXX XXXXXX, XXXXXXX, XX, XXXXX once the borrower moves into the new primary. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_<br> Open-The Final XXXX is Incomplete Borrower current address and Subject address are same XXXX XXXXXXXXX XX, XXXXXXXXXX, XX XXXXX, But occupancy type is investment. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XX XXXXXXXXXX: "XXXX XXX X XXX XX X "XXX XXX" XXX XXX XX XXXXXXXXXXXXXX XXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX'X XXX XXXXXXXXXXXX XXXXXXX XXXXXXXXX (XXXXXXXXXX) XXXX XXXX XXXXXX, XXXXXX XXXXX. XXX XXXXXXXXXXXX XXX XXXX XXXXXXXX XX XX XXXXXXX XX XXXX, XXX, XXX XXXXX, XXX XXX XXXXXXX XX XXXX XXXX XX XXXXX XXXXXXXXX XX XXXXXXXXXX XXXX XXXXXX XXX XXXXXXXX XXXXX XXXXXXXX XX XXXXXXXXXXX. XXXX XXX XXXXXXXXX XXXX XXX XXXXXXXXX XXX XXXXXXXX XX XXXXXXXXXXXX XXXXXXXXXX XXX X XXXXXXXXXX XXXXX XXXXXXXX. XXXXXXX XXXXXXX XXXX XX XXXXXXX XX XXXXX XXXXXXX XXXXX, XXXXXXX, XX, XXXXX XXXX XXX XXXXXXXX XXXXX XXXX XXX XXX XXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XXXXX - XXXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2606 |  |  | Closed | 2025-10-01 01:20 | 2025-10-30 01:38 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Appraisal is expired, XXXXD Provided, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Primary Value Appraisal is Expired, Check XXXXD Completion date if available to confirm if expired. (Days Difference is XXX) Appraisal was expired and there is no XXXXD in the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXX XX XXXXXXX, XXXXX XXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXX XXXXXXXXX XX XXX XXXXXXX XX XXXXXXX XXXXXXXXX XXXX XXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX-XXXXXXXX XXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2606 |  |  | Closed | 2025-10-01 01:01 | 2025-10-14 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Worksheet Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. income worksheet is missing in the file - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXX XXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2606 |  |  | Closed | 2025-10-01 21:07 | 2025-10-14 06:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXD_<br> Open-The Final XXXX is Incomplete Primary transaction but in declaration section selected as "No" for occupy the property as your primary residence question. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXX - XXXX XXXX XXXXXXXXXXXX.XXX_XXXXX_<br> XXXX - XXXX XXXX XXXXXXXXXXX.XXX_XXXXX_<br> XXXX - XXXXXX_ XXXXXXXX (XXX-XX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2606 |  |  | Closed | 2025-10-01 01:01 | 2025-10-14 04:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Separation Agreement Missing | Resolved-BX is married and does not receive Alimony income . Alimony Income has been removed, Verified- Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Separation Agreement Missing Alimony income used, there is no divorce decree or Separation agreement in the file and X months amount received proof is required - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XX XX XXXXXXX XXX XXXX XXX XXXXXXX XXXXXXX XXXXXX . XXXXXXX XXXXXX XXX XXXX XXXXXXX, XXXXXXXX- XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXX XXXX XXXXXXXXXXXX.XXX_XXXXX_<br> XXXX - XXXXXX_ XXXXXXXX (XXX-XX).XXX_XXXXX_<br> XXXX - XXXXXXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXX - XXXX XXXX XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 23:48 | 2025-10-09 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Resolved, received note and mortgage statement. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Uploaded the missing documents as a package to File Uploads - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Required Senior Lien documents (Note or Mortgage.) and mortgage statement. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXXXX, XXXXXXXX XXXX XXX XXXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 23:42 | 2025-10-09 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Resolved, received all income documents required by guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Uploaded the missing documents as a package to File Uploads - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-All income documents Missing in the file Required Income documents to verify the Borrower's income for Qualification. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXXXX, XXXXXXXX XXX XXXXXX XXXXXXXXX XXXXXXXX XX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 23:05 | 2025-10-09 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Uploaded the missing documents as a package to File Uploads - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Missing Third Party Fraud Report Required Updated Fraud report. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-07 08:12 | 2025-10-09 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Uploaded the missing documents as a package to File Uploads - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-07 08:12 | 2025-10-09 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Uploaded the missing documents as a package to File Uploads - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 22:37 | 2025-10-09 13:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Flood Certificate uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXD_<br> Open-Missing Flood Certificate Required Flood certification document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXX XXXXXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX_XXXXX_XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 22:37 | 2025-10-09 13:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Uploaded the missing documents as a package to File Uploads - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Missing Hazard Insurance Policy Required Updated hazard Document. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 22:06 | 2025-10-09 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present Resolved, received previous note and mortgage statement. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded the entire Credit Package.. Should address all conditions. - Seller-XX/XX/XXXX <br>Open-Title Document is missing Required Updated Title Document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded the entire Credit Package.. Should address all conditions. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX XXXXXXXX, XXXXXXXX XXXXXXXX XXXX XXX XXXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX_XXXXXX_XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 22:35 | 2025-10-09 13:13 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived Resolved, received appraisal. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Uploaded the missing documents as a package to File Uploads - Due Diligence Vendor-XX/XX/XXXX <br>Open-Appraisal is Missing Required Primary Value of appraisal document. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XX XXXXXXX XX XX XXXXXX XXXXXXXX, XXXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XX XXXXXXX XX XX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 22:32 | 2025-10-09 13:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower X Credit Report is not missing. Resolved, received credit and gap report. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. Resolved. received credit and gap report. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Uploaded the missing documents as a package to File Uploads - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. Required Borrower X credit report. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. XXXXXXXX, XXXXXXXX XXXXXX XXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. XXXXXXXX. XXXXXXXX XXXXXX XXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 22:32 | 2025-10-09 13:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. Resolved, received credit and gap report. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. Resolved. received credit and gap report. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Uploaded the missing documents as a package to File Uploads - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing in the file, required GAP Credit report. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. XXXXXXXX, XXXXXXXX XXXXXX XXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. XXXXXXXX. XXXXXXXX XXXXXX XXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 22:32 | 2025-10-09 13:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower X Credit Report is not missing. Resolved, received credit and gap report. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. Resolved. received credit and gap report. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Uploaded the missing documents as a package to File Uploads - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. Required Borrower X Credit report. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. XXXXXXXX, XXXXXXXX XXXXXX XXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. XXXXXXXX. XXXXXXXX XXXXXX XXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 22:32 | 2025-10-09 13:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. Resolved, received credit and gap report. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. Resolved. received credit and gap report. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Uploaded the missing documents as a package to File Uploads - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing in the file, required GAP Credit report. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. XXXXXXXX, XXXXXXXX XXXXXX XXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. XXXXXXXX. XXXXXXXX XXXXXX XXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 22:16 | 2025-10-09 12:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Resolved, received CPA letter. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Counter CPA letter missing from file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The borrowers are SE VOE is not required. CPA Letter in the file - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The borrowers are SE VOE is not required. CPA Letter in the file - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8376 |  |  | Closed | 2025-10-06 22:16 | 2025-10-09 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Resolved, received CPA letter. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Counter CPA letter missing from file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The borrower is SE VOE is not required. CPA letter in the file - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The borrower is SE VOE is not required. CPA letter in the file - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3718 |  |  | Closed | 2025-10-08 04:28 | 2025-10-08 06:26 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX ,XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX ,XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1602 |  |  | Closed | 2025-10-06 11:26 | 2025-10-10 06:11 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Updated Completion Report (442/1004D) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see appraisal with parcel additions (revised appraisal used to qualify). Per Appraiser we can use the foundation inspection vs a XXXX. See attached upload with corrected XXXX/ AV of X,XXX,XXX - Buyer-XX/XX/XXXX <br>Open-Missing Updated Completion Report (XXX/XXXXD). There are two appraisals in file. Appraisal on page XX dated X/X/XXXX is valued at $XXXXXXX and subject to completion. Appraisal on page XX dated X/X/XXXX is valued at $XXXXXXX with a - XX.XX variance from the primary appraisal reflecting "as is". The XXXX reflects an appraised value of $XXXXXXX which does not match either appraisal provided in file. - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | XXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXX XXXX XXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXX XX XXXX XXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1279 |  |  | Closed | 2025-10-04 10:26 | 2025-10-06 09:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a Xxxxxxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the Xxxxxxxxxx HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Xnd lien-Borrower is not Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX ,XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXX XXXX-XXXXXXXX XX XXX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX ,XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1279 |  |  | Closed | 2025-10-04 10:26 | 2025-10-06 09:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Xnd lien-Borrower is not Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX ,XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXX XXXX-XXXXXXXX XX XXX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX ,XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1380 |  |  | Closed | 2025-10-21 09:57 | 2025-10-30 10:36 | Resolved | 1 - Information C A | Compliance | State Reg | NJ Prohibited Fees Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Seller does not agree. Please provide more info on what needs to be cured here. - Seller-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the prohibited fees test.<br> (X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Seller does not agree. Please provide more info on what needs to be cured here. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1380 |  |  | Closed | 2025-10-21 09:57 | 2025-10-24 09:02 | Resolved | 1 - Information A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Rescinded-Rescinded. All TRID disclosures delivery dates are validated and correct. Electronic and Personal delivery dates enter correctly.<br>- Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXXXX. XXX XXXX XXXXXXXXXXX XXXXXXXX XXXXX XXX XXXXXXXXX XXX XXXXXXX. XXXXXXXXXX XXX XXXXXXXX XXXXXXXX XXXXX XXXXX XXXXXXXXX.<br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1380 |  |  | Closed | 2025-10-21 10:05 | 2025-10-24 08:55 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Seller does not see we need to cure this large of fees. Please see GFE and provide exactly what fees need to be cured - Seller-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Seller does not see we need to cure this large of fees. Please see GFE and provide exactly what fees need to be cured - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1380 |  |  | Closed | 2025-10-21 10:05 | 2025-10-24 08:55 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Seller is not seeing we need to cure these fees. Please see GFE and provided break down - Buyer-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1380 |  |  | Closed | 2025-10-24 08:41 | 2025-10-24 08:46 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , XX CFR §XXXX.XX(e)(X)(i))The revised closing disclosure delivery date is either: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 receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This 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 §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure) and §XXXX.XX(e)(X)(ii) (relationship to closing disclosure). 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:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXXX.XX(e)(X)(ii)Relationship to disclosures required under §XXXX.XX(f)(X)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §XXXX.XX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i)...However, if a creditor uses a revised estimate pursuant to § XXXX.XX(e)(X)(iv) for the purpose of determining good faith under § XXXX.XX(e)(X)(i) and (ii), § XXXX.XX(e)(X)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXXX.XX(f)(X)(i) (including any corrected disclosures provided under § XXXX.XX(f)(X)(i) or (ii)). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1380 |  |  | Closed | 2025-10-20 03:53 | 2025-10-21 10:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Document provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, Missing in File - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX. XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1380 |  |  | Closed | 2025-10-21 09:57 | 2025-10-21 10:07 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved. Fees moved to Section C. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX. XXXX XXXXX XX XXXXXXX X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1380 |  |  | Closed | 2025-10-21 09:57 | 2025-10-21 10:07 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved. Fees moved to Section C. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX. XXXX XXXXX XX XXXXXXX X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1380 |  |  | Closed | 2025-10-21 09:57 | 2025-10-21 10:07 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved. Fees moved to Section C. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX. XXXX XXXXX XX XXXXXXX X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1380 |  |  | Closed | 2025-10-08 01:53 | 2025-10-20 03:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Updated Loan Estimate signed on XX/XX/XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing complete Loan Estimate date of X/X/XXXX. Only page X is provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXX XX XX/XX/XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1380 |  |  | Closed | 2025-10-07 22:41 | 2025-10-16 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd VOE prior to close is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX, XXXXXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1380 |  |  | Closed | 2025-10-08 01:45 | 2025-10-16 00:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX with correct income provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We have stated before the XXXX/XXXX do not have to match perfectly. DTI is XX%. Here is the updated final XXXX with correct figures. Please clear this. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Final XXXX in file shows Income of $XXXXX.XX whereas XXXX & loan approval shows $XXXXX.Also, Retirement income of $XXXX is reflecting in Final XXXX whereas Loan approval & XXXX doesn't include Retirement income. Need Updated Final XXXX.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. We have stated before the XXXX/XXXX do not have to match perfectly. DTI is XX%. Here is the updated final XXXX with correct figures. Please clear this. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXX XXXXXXX XXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1923 |  |  | Closed | 2025-10-07 08:46 | 2025-10-14 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-UDM Provided, Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. UDM uploaded for review - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Borrower credit report is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1210 |  |  | Closed | 2025-10-06 04:43 | 2025-10-08 19:37 | Waived | 2 - Non-Material B | Credit | Title | Property Title Issue | Waived-Property Title Issue Lender provided approved exception in file, page XXXX, for allow XXXX/XXXX delinquent tax obligations to remain open under verified IRS repayment agreement. Bwr has history of monthly payments under IRS installment plan, direct debit in each month YTD. Balance and payment now adjusted based on XXXX/XXXX tax obligation added. Finding waived. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXX XXXXX XXXXX XXXXXX XXXXXXXX XXXXXXXX XXXXXXXXX XX XXXX, XXXX XXXX, XXX XXXXX XXXX/XXXX XXXXXXXXXX XXX XXXXXXXXXXX XX XXXXXX XXXX XXXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXX. XXX XXX XXXXXXX XX XXXXXXX XXXXXXXX XXXXX XXX XXXXXXXXXXX XXXX, XXXXXX XXXXX XX XXXX XXXXX XXX. XXXXXXX XXX XXXXXXX XXX XXXXXXXX XXXXX XX XXXX/XXXX XXX XXXXXXXXXX XXXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> XXXXXXXX XXXXXX XX $XX,XXX.XX. <br>| XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx1210 |  |  | Closed | 2025-10-06 01:13 | 2025-10-16 11:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(XXX)) his loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX-XXXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XX. An interior and exterior appraisal was completed for this property – see pg XX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXXX-XXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1210 |  |  | Closed | 2025-10-06 01:13 | 2025-10-16 11:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX-XXXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XX. An interior and exterior appraisal was completed for this property – see pg XX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets XXXX guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXXX-XXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1014 |  |  | Closed | 2025-10-06 04:55 | 2025-10-10 03:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated final XXXX provided with updated citizenship to permanent resident alien, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete BorrowerX Citizenship on Final XXXX is Non-Permanent Resident Alien but Provided Identity is Permanent Resident Alien.<br> Provide updated Final XXXX with Citizenship with Permanent Resident Alien. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXXX XXXX XXXXXXXX XXXX XXXXXXX XXXXXXXXXXX XX XXXXXXXXX XXXXXXXX XXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1268 |  |  | Closed | 2025-10-08 07:36 | 2025-10-20 13:40 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-Resolved. COC provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. . - Seller-XX/XX/XXXX <br>Ready for Review-Please review upload - Seller-XX/XX/XXXX <br>Ready for Review-Please review upload - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX XXX §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. . - Seller-XX/XX/XXXX <br>Ready for Review-Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1268 |  |  | Closed | 2025-10-08 07:36 | 2025-10-20 13:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved. COC provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). coc required for the increase in the charge. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1268 |  |  | Closed | 2025-10-08 02:42 | 2025-10-20 03:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1268 |  |  | Closed | 2025-10-08 07:36 | 2025-10-13 13:12 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XXX for the copy of the disclosure. The loan does meet XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXX XXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8895 |  |  | Closed | 2025-10-06 22:40 | 2025-10-10 01:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Business search X-X - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Borrower X Xrd Party VOE dated within XX business days of close. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8895 |  |  | Closed | 2025-10-06 22:17 | 2025-10-10 01:11 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8904 |  |  | Closed | 2025-10-07 04:41 | 2025-10-14 10:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-XXXX Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Final XXXX is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8904 |  |  | Closed | 2025-10-07 06:21 | 2025-10-10 01:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-voe - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower is Getting XX Month bank statement Business income form "XX XXXXX XXXXXXXXX XXX" Xrd Party VOE is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8887 |  |  | Closed | 2025-10-07 04:26 | 2025-10-24 02:45 | Resolved | 1 - Information B A | Credit | Credit | Missing non-subject rental income documentation | Resolved-Requested updated final XXXX provided with updated REO section, no leases required now as X properties owned by XXX are removed from XXXX now hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review- two REO's are owned by the borrower's other business (not the one used for qualifying). Attached are property profile, mortgage statement, revised XXXX removing from REO<br>- Due Diligence Vendor-XX/XX/XXXX <br> Open-As per XXXX REO properties- XXXX U.S. XXXXXX XXXXXXX XXXX XX XXXXX, XXXXX XXXX XX XXXXXX XXXXXXX XXXX XX XXXXX and XXX XXXX XXXXXX XXXXXXX XXXX XX XXXXX reflects lease amount but there is no lease or Schedule E in the files. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXXX XXXX XXXXXXXX XXXX XXXXXXX XXX XXXXXXX, XX XXXXXX XXXXXXXX XXX XX X XXXXXXXXXX XXXXX XX XXX XXX XXXXXXX XXXX XXXX XXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8887 |  |  | Closed | 2025-10-07 03:52 | 2025-10-14 03:36 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Aug XXXX bank statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Bank statement - Due Diligence Vendor-XX/XX/XXXX <br>Open-As per worksheet page XXX, August XXXX statement of XXXXX#XXXX was used for income calculation but it's missing in the file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXX XXXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8909 |  |  | Closed | 2025-10-07 02:20 | 2025-10-15 04:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA in file is not within XX days, asked for same, provided updated CPA, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X CPA Letter Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CPA letter - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X CPA Letter Missing Provided CPA page #XXX is more than X month from closing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XX XXXX XX XXX XXXXXX XX XXXX, XXXXX XXX XXXX, XXXXXXXX XXXXXXX XXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8890 |  |  | Closed | 2025-10-06 23:20 | 2025-10-14 03:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood cert provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-flood cert - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Flood Certificate Flood Certificate missing in loan file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8890 |  |  | Closed | 2025-10-06 22:36 | 2025-10-14 03:43 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8890 |  |  | Closed | 2025-10-06 23:45 | 2025-10-07 00:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8890 |  |  | Closed | 2025-10-06 23:45 | 2025-10-07 00:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a Xxxxxxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the Xxxxxxxxxx HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8906 |  |  | Closed | 2025-10-07 00:54 | 2025-10-10 01:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower X Business Bank Statement for October month provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Oct statements - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Only XX months of bank statements available in file, Missing October month Bank statement however income for October month considered from income sheet pgno XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXXXXXXX XXX XXXXXXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9897 |  |  | Closed | 2025-10-20 04:38 | 2025-10-29 06:54 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s Findings, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXXXXXXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. <br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9897 |  |  | Closed | 2025-10-20 04:38 | 2025-10-29 06:53 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC dated X/XX/XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Discount points increased on the final CD dated X/XX/XXXX. Points went from $X,XXX (initial CD dated X/XX/XXXX) to $X,XXX.XX w/out a corresponding change of circumstance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We see zero charge increases for prepaid interest or anything else in that amount for that matter. Please go back and check again. Your compliance report break down is not showing showing any fee increase in this amount. - Seller-XX/XX/XXXX <br>Open-Prepaid interest has increased from Initial LE to Final Cd and there is no coc to cure the tolerance - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We see zero charge increases for prepaid interest or anything else in that amount for that matter. Please go back and check again. Your compliance report break down is not showing showing any fee increase in this amount. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX X/XX/XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXX XXXX.XXX_XXXXX_<br> XX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9897 |  |  | Closed | 2025-10-20 04:38 | 2025-10-29 06:53 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC dated X/XX/XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Discount points increased on the final CD dated X/XX/XXXX. Points went from $X,XXX (initial CD dated X/XX/XXXX) to $X,XXX.XX w/out a corresponding change of circumstance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX X/XX/XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXX XXXX.XXX_XXXXX_<br> XX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9897 |  |  | Closed | 2025-10-20 04:38 | 2025-10-29 06:53 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC dated X/XX/XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Counter-Discount points increased on the final CD dated X/XX/XXXX. Points went from $X,XXX (initial CD dated X/XX/XXXX) to $X,XXX.XX w/out a corresponding change of circumstance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX X/XX/XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXX XXXX.XXX_XXXXX_<br> XX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9897 |  |  | Closed | 2025-10-29 06:46 | 2025-10-29 06:49 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Dates entered correctly in XX - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , XX CFR §XXXX.XX(e)(X)(i))The revised closing disclosure delivery date is either: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 receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This 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 §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure) and §XXXX.XX(e)(X)(ii) (relationship to closing disclosure). 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.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXXX.XX(e)(X)(ii)Relationship to disclosures required under §XXXX.XX(f)(X)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §XXXX.XX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i)...However, if a creditor uses a revised estimate pursuant to § XXXX.XX(e)(X)(iv) for the purpose of determining good faith under § XXXX.XX(e)(X)(i) and (ii), § XXXX.XX(e)(X)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXXX.XX(f)(X)(i) (including any corrected disclosures provided under § XXXX.XX(f)(X)(X) or (ii)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXX XXXXXXXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9897 |  |  | Closed | 2025-10-29 06:46 | 2025-10-29 06:49 | Resolved | 1 - Information C A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved-Dates entered correctly in XX - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXX XXXXXXXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9897 |  |  | Closed | 2025-10-14 12:15 | 2025-10-26 07:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-BX signed XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Counter-BX executed XXXX from closing was requested. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Missing The final XXXX is missing for BX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XX XXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XX.XXX_XXXXX_<br> X XXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9897 |  |  | Closed | 2025-10-08 03:45 | 2025-10-23 07:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Counter-Title commitment provided does not include amount of title insurance policy. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $X is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXXXX XXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9897 |  |  | Closed | 2025-10-14 12:03 | 2025-10-20 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE provided and updated in XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX XXX XXXXXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX, XXXXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9897 |  |  | Closed | 2025-10-08 08:12 | 2025-10-20 04:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Le is missing file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Initial LE is missing in file, Required initial LE. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XX XXXXXXX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXX_XXXXX_<br> XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9897 |  |  | Closed | 2025-10-08 07:03 | 2025-10-16 16:31 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX agrees with this exception - Buyer-XX/XX/XXXX <br>Open-Exception for non-borrowing spouse on bank accounts used to qualify is approved.<br> Deposits used to qualify are sourced to our borrower.<br> Use of personal account, with wife not a business owner. The use of a XX%<br> expense factor was used for income<br> deposits used are ALL EFT DEPOSITS which appear to be inline with his business narrative. PayPal<br> deposits (X) were source and verified to be the borrower<br> Rental income from investment is derived from AIRBNB and took a XX% expense factor to net the<br> monthly rents verses XX% also a conservative approach to income.<br> Exception is available on page XXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXXXXXX XXXXXX XX $XXXX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $XXXX. <br> XXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br>| XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8898 |  |  | Closed | 2025-10-10 14:08 | 2025-10-17 16:55 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Document Uploaded. Per XX GL this is acceptable.<br> Per Appraisal no additional value is given to leased solar panels as they are considered personal property. The subject's power gird is connected to local power as alternat power source.<br> See Solar Panel Notes XXX<br> please clear<br> - Seller-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Exception request in file to not payoff Solar panel lease. Request to leave open. - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | XXXXX XXXXX_XXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXX XXXXX_XXXXXXXX XXXXXXXXX (X).XXX_XXXXX_<br> XXXXX XXXXX_XXXXXXXX XXXXXXXXX (X).XXX_XXXXX_<br> XXXXX XXXXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8898 |  |  | Closed | 2025-10-06 22:42 | 2025-10-17 00:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-income ws - Due Diligence Vendor-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Income Calculation Worksheet - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXX XXXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8898 |  |  | Closed | 2025-10-06 23:33 | 2025-10-15 08:09 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided COC. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Provide COC for Origination increase from LE X/XX/XX of $XXXX to CD X/XX/XX of $XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8898 |  |  | Closed | 2025-10-06 23:02 | 2025-10-14 04:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood cert provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Flood cert - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Flood Certificate Provide Flood Certificate. Subject to additional conditions upon review. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8898 |  |  | Closed | 2025-10-06 23:33 | 2025-10-16 07:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Requirements of HPML have been met. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-HMPL is allowed on Xnd liens - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Requirements of HPML have been met. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXX XX XXXX XXXX XXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXXXXXXXXXX XX XXXX XXXX XXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8898 |  |  | Closed | 2025-10-06 23:33 | 2025-10-16 07:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Requirements of HPML have been met. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-HMPL is allowed on Xnd liens - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Requirements of HPML have been met. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXX XX XXXX XXXX XXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXXXXXXXXXX XX XXXX XXXX XXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8903 |  |  | Closed | 2025-10-07 00:15 | 2025-10-09 15:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Escrow Waiver is on Pg# XXX, and the Final Closing disclosure on Pg#'s XX reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg X-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXXXX XXXXXX XX XX XX# XXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX X-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX,XXX , XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8903 |  |  | Closed | 2025-10-07 00:15 | 2025-10-09 15:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Escrow Waiver is on Pg# XXX, and the Final Closing disclosure on Pg#'s XX reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg X-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX , and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXXXX XXXXXX XX XX XX# XXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX X-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX,XXX , XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2237 |  |  | Closed | 2025-10-06 05:47 | 2025-10-09 07:27 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received. New Disbursement Date of XX/XX/XXXX. System updated & Mavent now passes. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Correct, please see PCCD - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Disbursement date of XX/XX/XXXX as per Final Closing Disclosure on page XX is the same as the Right to Cancel expiration date XX/XX/XXXX on pages XXX & XXX. Provide a PCCD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Correct, please see PCCD - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX. XXX XXXXXXXXXXXX XXXX XX XX/XX/XXXX. XXXXXX XXXXXXX & XXXXXX XXX XXXXXX. XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2237 |  |  | Closed | 2025-10-06 03:54 | 2025-10-08 00:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final XXXX uploaded with missing pages, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing The final XXXX is missing pages X through XX. Provide complete final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXXX XXXX XXXXXXX XXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8891 |  |  | Closed | 2025-10-07 00:15 | 2025-10-14 06:31 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC provided for lender credit decreasing. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (Loan Origination Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender credit reflecting under initial LE a $XX under revised CD issued on XX/XX/XXXX lender credits is increased as $X but we have no COC in file for the same but under final lender credits has been decreased to $XXX.XX . - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XXX XXXXXX XXXXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8891 |  |  | Closed | 2025-10-07 00:15 | 2025-10-14 06:17 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Re-ran Mavent resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX-XXX XXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXX XXXXXX, XXXXXX XXXXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8891 |  |  | Closed | 2025-10-07 00:15 | 2025-10-14 06:17 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Re-ran Mavent- resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX-XXX XXXXXX- XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXX XXXXXX, XXXXXX XXXXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8902 |  |  | Closed | 2025-10-08 00:11 | 2025-10-16 08:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC form disclosing DECREASE IN lc, increase and addition of origination fee and points fee provided. Mavent and PC Mavent are passing. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). This loan failed the charges that cannot increase test due to points that increased on the revised LE issued on X/X/XX without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Please upload COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXXXX XXXXXXXX XX XX, XXXXXXXX XXX XXXXXXXX XX XXXXXXXXXXX XXX XXX XXXXXX XXX XXXXXXXX. XXXXXX XXX XX XXXXXX XXX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx8902 |  |  | Closed | 2025-10-08 00:11 | 2025-10-16 08:12 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC form disclosing decrease in LC provided. Mavent and PC Mavent are passing. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). This loan failed the lender credits that cannot decrease test due to the lender credits that decreased from $XXX to $XX (X/X/XXXX) to $X (X/X/XXXX) without a valid Change of Circumstance Form. Please upload COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXXXX XXXXXXXX XX XX XXXXXXXX. XXXXXX XXX XX XXXXXX XXX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx8902 |  |  | Closed | 2025-10-08 00:34 | 2025-10-14 04:07 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The XXXX provided reflects the incorrect interest rate as X.XXX%. Per note qualifying interest rate is X.XXX%. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx8883 |  |  | Closed | 2025-10-09 14:40 | 2025-10-15 09:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Lender provided COC. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The cure was provided on final CD. Review page X under section J. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Provide COC for Recording Fees increase change on initial LE of $XXX to CD pf $XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8883 |  |  | Closed | 2025-10-06 07:29 | 2025-10-15 09:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender provided COC. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($XX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender credits has reduced from - XXX to - XX. please provide COC for lender credit In Revised LE and Initial CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8883 |  |  | Closed | 2025-10-06 07:29 | 2025-10-15 08:40 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided COC. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). COC is missing for Loan Discount fee has increased from $X Revised LE to $XXX.XX Initial CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8883 |  |  | Closed | 2025-10-06 06:15 | 2025-10-11 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided gap report. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UDN - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8883 |  |  | Closed | 2025-10-06 06:15 | 2025-10-11 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Lender provided gap report. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UDN - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2115 |  |  | Closed | 2025-10-13 10:10 | 2025-10-20 12:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-VOE provided and updated in XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-VOE provided was not dated w/in XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXX XXX XXXXXXX XX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1542 |  |  | Closed | 2025-10-08 06:48 | 2025-10-15 17:16 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached-please clear this - Buyer-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The XXXX Is reflecting the First Mortgage Payment amount of $XX,XXX.XX while the verified First Mortgage payment is $XX,XXX.XX (PITI). This is a variance of $XXX.XX. (The Est Taxes, Insurance and Assessments on the Final CD reflect $XXXX.XX which is what is reflected as the Escrow (Taxes and Insurance) on the mortgage statement so these figures align.) Provide documentation supporting the $XXX.XX or an updated XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1542 |  |  | Closed | 2025-10-08 04:40 | 2025-10-15 17:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing The Xrd Party VOE within XX days prior to closing Is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1542 |  |  | Closed | 2025-10-10 16:11 | 2025-10-15 17:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower X CPA Letter Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X CPA Letter Missing CPA or equivalent is missing. Per XXs, Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2434 |  |  | Closed | 2025-10-14 10:41 | 2025-10-20 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2434 |  |  | Closed | 2025-10-14 10:41 | 2025-10-20 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3405 |  |  | Closed | 2025-10-09 05:28 | 2025-10-17 04:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit Report missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing As per XX XX/XX/XXXX pg no: XX need a GAP report with in XXdays of closing date which is missing in the file. Provide the same<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX_XXXXXXX_XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3405 |  |  | Closed | 2025-10-09 06:56 | 2025-10-21 10:14 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXdoc and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# X the appraisal disclosure was provided to the borrower(s)- see Pg# X and copy of the appraisal was given to the borrower see Pg#X for the copy of the disclosure. The loan meets HPML guidelines" - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXXXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# X XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# X XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#X XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3405 |  |  | Closed | 2025-10-09 06:56 | 2025-10-21 10:14 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXXdoc and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# X the appraisal disclosure was provided to the borrower(s)- see Pg# X and copy of the appraisal was given to the borrower see Pg#X for the copy of the disclosure. The loan meets HPML guidelines" - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXXXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# X XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# X XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#X XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3041 |  |  | Closed | 2025-10-09 03:37 | 2025-11-17 20:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-First Lien Note provided in Findings: XXXXXX_XXXX.pdf. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-First Lien Note provided in Findings: XXXXXX_XXXX.pdf. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Counter-Per XX XX.X.X SENIOR LIENS: XXXXXXXXX will not permit loans in first lien position to contain any risk features that could impact the borrower's ability to repay. Terms of the subject property first lien must be obtained.<br> The following documentation is required:<br> Ÿ Copy of Note and Deed of Trust/Mortgage,<br> Ÿ Copy of the final CD from the first lien may be required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The Mortgage Statement is provide which does give details that the note and deed would have as well. I believe this should be acceptable. - XXXXXX-XX/XX/XXXX <br>Open-XSt Lien Note Document is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. The Mortgage Statement is provide which does give details that the note and deed would have as well. I believe this should be acceptable. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXX XXXX XXXXXXXX XX XXXXXXXX: XXXXXX_XXXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX - XXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXX_XXXX.XXX_XXXXX_<br> XXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3041 |  |  | Closed | 2025-10-08 22:00 | 2025-10-29 14:33 | Waived | 2 - Non-Material C B | Compliance | State Reg | TN Brokerage/Finder Fee Test | Waived-Per external counsel, the fee was confirmed it was the broker fee. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Client provided PCCD. Escalated. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the brokerage/finder fee test. (Xenn. Comp. R. & Regs. XXXX-XX-XX(X))The mortgage loan charges a brokerage/finder fee that exceeds X% of the total loan amount. Under the XXXXXXXXX Rules and Regulations, brokerage fee is synonymous with finder fee.Any brokerage/finder fee of more than X% of the principal amount of the loan will be presumed to be unfair and unreasonable and shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide evidence showing that such fee constitutes fair and reasonable compensation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXX XXXXXXXX XXXXXXX, XXX XXX XXX XXXXXXXXX XX XXX XXX XXXXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx3041 |  |  | Closed | 2025-10-08 08:34 | 2025-10-23 17:37 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX provided reflecting the FICO score of XXX which matches the Credit Liabilities Page of XXX. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The Qualifying FICO on the XXXX Page is blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX'. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXXXXXXXX XXX XXXX XXXXX XX XXX XXXXX XXXXXXX XXX XXXXXX XXXXXXXXXXX XXXX XX XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3041 |  |  | Closed | 2025-10-08 22:00 | 2025-10-23 17:32 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD provided, Compliance re-ran and issue resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please review upload - XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Actual Note Date is XX/XX/XXXX But Borrower is singed on XX/XX/XXXX hence Right to rescission cancel date is XX/XX/XXXX Disbursement Date need to update XX/XX/XXXX but under Final CD Reflecting as XX/XX/XXXX, Required PCCD for The same. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX, XXXXXXXXXX XX-XXX XXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0837 |  |  | Closed | 2025-10-15 13:49 | 2025-10-17 07:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Lender provided unexpired Photo ID for BX. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. id attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. BX photo ID in file has expired on X/XX/XX prior to Note date of XX/X/XX. Provide unexpired photo ID for BX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXXX XXXXX XX XXX XX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX-XX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx2110 |  |  | Closed | 2025-10-29 04:03 | 2025-10-31 06:56 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Disbursement date on PCCD is XX/X we are fine - Buyer-XX/XX/XXXX <br>Open-Disbursement date on final Cd is XX/X but cancel date on Right to cancel is XX/X - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Need updated Right to cancel with updated dates. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2110 |  |  | Closed | 2025-10-29 04:03 | 2025-10-31 06:56 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see PCCD relabeling the report for you-PLEASE note, originally, over disclosed appraisal fees but they did not end up doing a full appraisal only the AVM which is this report. If anything, the fees went down. They relabeled them for you so you could see this WAS NOT a new charge. Just apart of the appraisal fees originally disclosed on the LE/CD. Please clear this. - Buyer-XX/XX/XXXX <br>Open-Property condition report fee added to final Cd without a valid COC or lender credit - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-No charges increased. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XX XXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2110 |  |  | Closed | 2025-10-29 04:03 | 2025-10-31 06:56 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see PCCD relabeling the report for you-PLEASE note, originally, over disclosed appraisal fees but they did not end up doing a full appraisal only the AVM which is this report. If anything, the fees went down. They relabeled them for you so you could see this WAS NOT a new charge. Just apart of the appraisal fees originally disclosed on the LE/CD. Please clear this. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Reimbursement is N/A. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see PCCD relabeling the report for you-PLEASE note, originally, over disclosed appraisal fees but they did not end up doing a full appraisal only the AVM which is this report. If anything, the fees went down. They relabeled them for you so you could see this WAS NOT a new charge. Just apart of the appraisal fees originally disclosed on the LE/CD. Please clear this. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXXXXXXXX XX X/X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2110 |  |  | Closed | 2025-10-29 04:03 | 2025-10-31 06:56 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see PCCD relabeling the report for you-PLEASE note, originally, over disclosed appraisal fees but they did not end up doing a full appraisal only the AVM which is this report. If anything, the fees went down. They relabeled them for you so you could see this WAS NOT a new charge. Just apart of the appraisal fees originally disclosed on the LE/CD. Please clear this. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Reimbursement is N/A. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see PCCD relabeling the report for you-PLEASE note, originally, over disclosed appraisal fees but they did not end up doing a full appraisal only the AVM which is this report. If anything, the fees went down. They relabeled them for you so you could see this WAS NOT a new charge. Just apart of the appraisal fees originally disclosed on the LE/CD. Please clear this. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXXXXXXXX XX X/X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2110 |  |  | Closed | 2025-10-08 23:18 | 2025-10-29 04:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing from file and any Change of circumstances that may apply - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2102 |  |  | Closed | 2025-10-08 23:48 | 2025-10-25 16:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Resolved. PUD rider provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Appraisal is check marked as PUD but Deed of Trust there is no Rider check marked. Provide updated Deed of Trust document with PUD rider and PUD check marked. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX. XXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2102 |  |  | Closed | 2025-10-09 01:03 | 2025-10-17 06:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD is Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure TRID: Initial Closing Disclosure is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXXXXXX_XXXXXXX-XXXXXXXXXX_XXXXXXXX-XXXXXXXXX_XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3196 |  |  | Closed | 2025-10-09 06:28 | 2025-10-23 09:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided updated gap credit report in file. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Good through date at bottom of Xnd page - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing As per Guideline version XX/XX/XXXX page XXX, Required gap credit report within XX business days of closing. which is missing in the file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXX XXXXXX XXXXXX XX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9597 |  |  | Closed | 2025-10-15 03:18 | 2025-10-23 19:24 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD with updated per diem and disbursement dates provided. XX report is minimal. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. This loan failed the TILA right of rescission test. because the per the ROR dated XX/X/XX the cancellation date is XX/XX/XX and the disbursement date per final CD is XX/XX/XX. The funding date is before the third business day following consummation. Borrower did not get the full recession period. Please provide a corrected PCCD reflecting the correct Disbursement Date and Per Diem Date.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXX XXXXXXX XXX XXXX XXX XXXXXXXXXXXX XXXXX XXXXXXXX. XX XXXXXX XX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9597 |  |  | Closed | 2025-10-15 01:37 | 2025-10-22 01:53 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Race Selection is Not Provided | Resolved-Demographic Information with Race selection marked uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Race Selection is Provided or is Not Applicable (Number of Borrowers is X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Borrower X Race Selection is Not Provided on both the initial and final XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXX XXXXXXXXXXX XXXX XXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXX XXXXXXXXX XX XXXXXXXX XX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9597 |  |  | Closed | 2025-10-15 01:37 | 2025-10-22 01:53 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Demographic Information with Race selection marked uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Race Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Race Selection is Not Provided on both the initial and final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXX XXXXXXXXXXX XXXX XXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXX XXXXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9597 |  |  | Closed | 2025-10-15 01:37 | 2025-10-22 01:53 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Gender Selection is Not Provided | Resolved-Demographic Information with Gender selection marked uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gender Selection is Provided or is Not Applicable (Number of Borrowers is X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Gender Selection is Not Provided on both the initial and final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXX XXXXXXXXXXX XXXX XXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXXXXX XX XXXXXXXX XX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9597 |  |  | Closed | 2025-10-15 01:37 | 2025-10-22 01:52 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Gender Selection is Not Provided | Resolved-Demographic Information with Gender selection marked uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gender Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Gender Selection is Not Provided on both the initial and final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXX XXXXXXXXXXX XXXX XXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9597 |  |  | Closed | 2025-10-15 01:37 | 2025-10-22 01:52 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Ethnicity Selection is Not Provided | Resolved-Demographic Information with Ethnicity selection marked uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Ethnicity Selection is Not Provided Borrower X Ethnicity Selection is not Provided on both the initial and final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXX XXXXXXXXXXX XXXX XXXXXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXXX XXXXXXXXX XX XXXXXXXX XX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9597 |  |  | Closed | 2025-10-15 01:37 | 2025-10-22 01:51 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Demographic Information with Ethnicity selection marked uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Ethnicity Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Ethnicity Selection is Not Provided on both the initial and final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXX XXXXXXXXXXX XXXX XXXXXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXXX XXXXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3551 |  |  | Closed | 2025-10-13 23:13 | 2025-10-20 04:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. SE VOE uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3551 |  |  | Closed | 2025-10-14 00:40 | 2025-10-16 16:34 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing Xst lien, Pg# XXX and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XXX, XXX and copy of the appraisal was given to the borrower see Pg# XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX XXX XXXX, XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XXX, XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3549 |  |  | Closed | 2025-10-17 11:07 | 2025-11-03 11:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Received the initial CD and it was captured - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial CD uploaded for review. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide the Initial CD, any related COC's, re-disclosed CD's and the Disclosure Tracking Summary. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial CD uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXX XXXXXXX XX XXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3549 |  |  | Closed | 2025-11-03 10:38 | 2025-11-03 11:05 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3549 |  |  | Closed | 2025-11-03 10:38 | 2025-11-03 11:05 | Resolved | 1 - Information C A | Compliance | TRID | TRID Rescission Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the XXXX rescission total of payments test. (XX XXX §XXXX.XX(g)(X)(ii))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than X/X of X percent of the face amount of the note or $XXX, whichever is greater. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the XXXX rescission total of payments test. (XX XXX §XXXX.XX(g)(X)(ii))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than X/X of X percent of the face amount of the note or $XXX, whichever is greater. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the XXXX rescission total of payments test. (XX XXX §XXXX.XX(g)(X)(ii))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than X/X of X percent of the face amount of the note or $XXX, whichever is greater. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the XXXX rescission total of payments test. (XX XXX §XXXX.XX(g)(X)(ii))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than X/X of X percent of the face amount of the note or $XXX, whichever is greater. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3549 |  |  | Closed | 2025-11-03 10:45 | 2025-11-03 10:50 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3549 |  |  | Closed | 2025-11-03 10:45 | 2025-11-03 10:50 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3549 |  |  | Closed | 2025-11-03 10:45 | 2025-11-03 10:50 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3549 |  |  | Closed | 2025-10-14 00:38 | 2025-10-21 03:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested updated lock with updated Income Doc Type provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated rate lock uploaded for review. - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing We have lock confirmation at Page #XXX, it has income doc type as 'FULL DOC XX months' but loan qualified with XX months business bank statements. We need updated lock confirmation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated rate lock uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXXXXX XXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXXXXXXX XX XXXX XXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2246 |  |  | Closed | 2025-10-13 22:18 | 2025-10-20 06:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial CD uploaded for review. - Buyer-XX/XX/XXXX <br>Open-XXXX: Missing Closing Disclosure Initial CD missing in file, required run the compliance. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXXXX XXXXXXX XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3047 |  |  | Closed | 2025-10-17 12:34 | 2025-10-30 17:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self-Employed Business Narrative provided in Findings: XXX XXXXXXXXX.pdf. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-The Self-Employed Business Narrative is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX-XXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXX XX XXXXXXXX: XXX XXXXXXXXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3047 |  |  | Closed | 2025-10-14 02:19 | 2025-10-29 02:00 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX Mis match from XXXX to credit liabilities , provided Updated XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Qualifying XXXX on the XXXX Page is '' or blank, but the Qualifying XXXX from the Credit Liabilities Page is 'XXX' or blank. Qualifying XXXX entries do not match. Please confirm the correct Qualifying XXXX value. The Qualifying XXXX on the XXXX Page is blank, but the Qualifying XXXX from the Credit Liabilities Page is 'XXX'. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXX XXXXX XXXX XXXX XX XXXXXX XXXXXXXXXXX , XXXXXXXX XXXXXXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4846 |  |  | Closed | 2025-10-15 06:35 | 2025-10-31 10:23 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing Business Narrative | Acknowledged-XX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX <br>Counter-XX to provide waiver or acknowledge condition as it does not meet XX overlays. Condition unresolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Counter-XXXXXX XXXXXX XXXXXXXXX XXXXXXXXXX were not provided for review, per XXXXXXXXXXXXX XXXXXX XXXXXXXXX XXXXXXXXXX a business narrative or equivalent is required. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Not required per XXXXX guidelines - Buyer-XX/XX/XXXX <br>Open-Missing Business Narrative in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXX XXXXXXXXXX XXXXXXXXXXXXX XX XXXXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx4846 |  |  | Closed | 2025-10-14 22:57 | 2025-10-21 04:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Requested Initial XXXX with LO sign provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Provide XXXX with LO signature. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXX XXXXXXXXXX XXXXXXX XXXX XX XXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3810 |  |  | Closed | 2025-10-14 23:24 | 2025-10-23 03:46 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico missing in XXXX, Provided upadted XXXX with correct Fico score, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Updated FICO score as per credit report and qualifying FICO is not provided on final XXXX document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXX XX XXXX, XXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXXX XXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3810 |  |  | Closed | 2025-10-15 03:05 | 2025-10-17 14:47 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XX, and copy of the appraisal was given to the borrower – see Pg#'s XXXfor the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXXXXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3810 |  |  | Closed | 2025-10-15 03:05 | 2025-10-17 14:47 | Resolved | 1 - Information A | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX COMAR higher-priced mortgage loan test. (XXXXXXXX COMAR XX.XX.XX.XXB(XX) , COMAR XX.XX.XX.XXB(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXXXXXXX Regulations (COMAR).While the XXXXXXXX COMAR 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XX, and copy of the appraisal was given to the borrower – see Pg#'s XXXfor the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XXXXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XXXXXXXX XXXXX XX.XX.XX.XXX(XX) , XXXXX XX.XX.XX.XXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXX XX XXXXXXXX XXXXXXXXXXX (XXXXX).XXXXX XXX XXXXXXXX XXXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXXXXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx8467 |  |  | Closed | 2025-10-31 07:38 | 2025-11-04 12:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received all closing disclosures, loan estimates, and change of circumstances. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing closing disclosures dated XX/XX/XXXX and XX/XX/XXXX with coinciding change of circumstance if applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXX XXX XXXXXXX XXXXXXXXXXX, XXXX XXXXXXXXX, XXX XXXXXX XX XXXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX.XXX_XXXXX_<br> XXXXXX XX X XX.XXX_XXXXX_<br> XXXXXX XX X XX.XXX_XXXXX_<br> XXXXXX X XX XX.XXX_XXXXX_<br> XXXXXX XX.XXX_XXXXX_<br> XXXXXX X XX XX.XXX |  | XXXXXXX, XXXXXXXX XXXXXXXXXX XXX XXX XX XXXXX XX/XX/XXXX. XXXXXXX XX XXXXX XX/XX/XXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx8467 |  |  | Closed | 2025-10-29 23:49 | 2025-11-04 04:34 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved, received change of circumstance for inspection fee. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXX XXXXXX XX XXXXXXXXXXXX XXX XXXXXXXXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX.XXX_XXXXX_<br> XXXXXX XX X XX.XXX_XXXXX_<br> XXXXXX XX X XX.XXX_XXXXX_<br> XXXXXX X XX XX.XXX_XXXXX_<br> XXXXXX XX.XXX |  | XXXXXXX XXXXXX XX XXXXXXXXXXXX XXX XXXXXXXXXX XXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx8467 |  |  | Closed | 2025-10-31 07:37 | 2025-11-04 04:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved, received closing disclosures dated XX/X/XXXX, XX/XX/XXXX with coinciding change of circumstances. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing closing disclosures dated XX/X/XXXX, XX/XX/XXXX with coinciding change of circumstance if applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXX XXXXXXX XXXXXXXXXXX XXXXX XX/X/XXXX, XX/XX/XXXX XXXX XXXXXXXXXX XXXXXX XX XXXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX.XXX_XXXXX_<br> XXXXXX XX X XX.XXX_XXXXX_<br> XXXXXX X XX XX.XXX_XXXXX_<br> XXXXXX XX X XX.XXX_XXXXX_<br> XXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8905 |  |  | Closed | 2025-10-14 05:30 | 2025-10-21 07:50 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-coc - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Broker fees were originally paid by the lender however on the X/XX/XXXX CD the fees were moved to borrower paid. The file did not contain a COC with the revision. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8910 |  |  | Closed | 2025-10-15 00:32 | 2025-10-28 19:34 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Closing Protection Letter (Fee ID: 55) | Resolved-Lender provided corrected CD removing fee not allowed. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-corrected CD - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The XXX XXXXXX Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Closing Protection Letter (Fee ID: XX) to be charged to the Borrower in XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXXX XX XXXXXXXX XXX XXX XXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8910 |  |  | Closed | 2025-10-15 00:32 | 2025-10-28 19:33 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved-Lender provided corrected CD removing fee not allowed. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-corrected CD - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The XXX XXXXXX Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Document Preparation Fee (Fee ID: XXX) to be charged to the Borrower in XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXXX XX XXXXXXXX XXX XXX XXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8910 |  |  | Closed | 2025-10-15 00:32 | 2025-10-20 19:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided COC for fee increases and lender credit decrease. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-coc - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC is missing for "lender credit" has Decreased from Revised LEX Dated on X/XX/XXXX To Revised LEX dated on XX/XX/XXXX.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXX XXX XXX XXXXXXXXX XXX XXXXXX XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8910 |  |  | Closed | 2025-10-14 23:18 | 2025-10-20 19:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Lender provided flood insurance policy. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Food ins - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Missing Flood Insurance Policy - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXXX XXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9625 |  |  | Closed | 2025-10-20 12:44 | 2025-10-22 07:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD dated XX/XX/XXXX provided and entered into XX. Mavent run. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Closing Disclosure Missing the initial CD and any applicable change of circumstance. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXX XX XXXXX XX/XX/XXXX XXXXXXXX XXX XXXXXXX XXXX XX. XXXXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX X XXX XXXXXX, XXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9625 |  |  | Closed | 2025-10-15 09:41 | 2025-10-22 07:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing Required VVOE Document. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9625 |  |  | Closed | 2025-10-15 11:13 | 2025-10-21 10:19 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Unable to Resolve-Unable to Resolve-Document Uploaded. XX approves exception - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Exception document available on XXX<br>Manager Notes: Exception approved for X.XX acres vs max of X of EA product. Subject is suburban<br> with larger than typical lot, but strictly residential in use in XXXX suburb. Appraisal bracket's lot size<br> and land to value ratio is < XX%. No rural characteristics, no mixed use, and no farming or livestock.<br> XXX CS, > $XXK residual, and > XX mo reserves from loan proceeds. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX XXXXXXXXX XXXXXXX (XXXX).XXX |  | XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> XXXXXXXX(X) XXXX XX.XX XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX.<br> XXXXXXXX XXXXXX XX $XXXXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $XXXX.  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx2944 |  |  | Closed | 2025-10-15 01:03 | 2025-10-22 07:56 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved per PCCD dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload. - Buyer-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XXX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XXX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Right of Recission Cancel date XX/XX/XXXX which is same as Disbursement date XX/XX/XXXX, provide PCCD with Disbursement date after the Right of Recission Cancel date. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX XXX XXXX XXXXX XX/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0841 |  |  | Closed | 2025-10-26 09:55 | 2025-10-26 16:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML requirements and an interior appraisal was performed. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXXXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0841 |  |  | Closed | 2025-10-15 10:28 | 2025-10-26 16:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD dated XXX/XXXX provided and entered into XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure from loan file. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXX XX XXXXX XXX/XXXX XXXXXXXX XXX XXXXXXX XXXX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0841 |  |  | Closed | 2025-10-26 09:55 | 2025-10-26 16:07 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Lender credit provided for increase. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXX XXXXXXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0841 |  |  | Closed | 2025-10-26 09:55 | 2025-10-26 16:07 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXXXX XXXXXX XXXXXXXX XXX XXXXXXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0841 |  |  | Closed | 2025-10-26 09:55 | 2025-10-26 16:07 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Lender credit provided for increase. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXX XXXXXXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0841 |  |  | Closed | 2025-10-26 09:55 | 2025-10-26 16:07 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Lender credit provided for increase. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXX XXXXXXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0841 |  |  | Closed | 2025-10-15 09:10 | 2025-10-26 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-T Missing BX is a W-X Wage Earner hence we require XXXX-C both at application & at closing as per Guidelines Page #XX, Point X.X.X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX-X XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXX X XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0841 |  |  | Closed | 2025-10-15 10:24 | 2025-10-26 09:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Updated Lock Confirmation provided with Business bank statement as Income Doc type. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing BX is the Primary Wage Earner with Highest Qualifying income who is qualifying with Full Doc but Lock confirmation on page #XXX given Income Doc Type as Business Bank Statement: XX Mos which should be Full doc, provide updated lock confirmation with updated income type. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXX XX XXXXXX XXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXX XXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0841 |  |  | Closed | 2025-10-15 10:02 | 2025-10-26 09:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX provided which indicates borrower has greater than XX% ownership in business. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete As per self employment business narrative on page #XXX&XXX Borrower X owns business XXX%, but in final XXXX page #XXX self employment checked to less than XX%, provide updated XXXX with I have an ownership share of XX% or more checkmark. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXX XXXXXXXXX XXXXXXXX XXX XXXXXXX XXXX XX% XXXXXXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0841 |  |  | Closed | 2025-10-15 09:38 | 2025-10-24 03:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Requested HOA Questionnaire provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-HOA Questionnaire is Missing or Partial. Property is Condo but Condo Questionnaire is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXXXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXXXXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2326 |  |  | Closed | 2025-10-17 03:34 | 2025-10-27 08:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Discount points increased without a valid Change of circumstance or lender credit provided - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2326 |  |  | Closed | 2025-10-17 03:34 | 2025-10-27 08:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. REIMBURSEMENT INFO IS NOT AVAILABLE - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2326 |  |  | Closed | 2025-10-17 03:34 | 2025-10-27 08:35 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. REIMBURSEMENT INFO IS NOT AVAILABLE - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2326 |  |  | Closed | 2025-10-21 12:34 | 2025-10-27 08:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX, XXXXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2034 |  |  | Closed | 2025-10-15 23:37 | 2025-10-23 04:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Requested Title Document Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. title documents attached, please refer to our Matrix full title policy not required on equity advantage with loan amounts <br> Open-Title Document is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXX XXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX XXX XXXXXXXX XXXXX XXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3181 |  |  | Closed | 2025-10-27 21:08 | 2025-10-27 21:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Initial CD provided confirms VOE fee removed at CDs. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXXXXXXX XXXXXXXX XXX XXX XXXXXXX XX XXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3181 |  |  | Closed | 2025-10-15 19:13 | 2025-10-27 21:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Lender provided executed initial CD. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XXXXXXX XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX_XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1010 |  |  | Closed | 2025-10-15 14:10 | 2025-10-23 07:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested Final XXXX Provided with updated income, updated & condition resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete As per the final XXXX, Borrower X's other income is listed as $X,XXX and Borrower X's income as $X,XXX.XX. However, the verified income shows Borrower X's other income as $X,XXX and Borrower X's income as $X,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXX XXXX XXXXXXXX XXXX XXXXXXX XXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXX XXXX (XXXX_XX) - XXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1010 |  |  | Closed | 2025-10-15 13:26 | 2025-10-15 13:36 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XX and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2134 |  |  | Closed | 2025-10-21 13:39 | 2025-10-27 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX, XXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2134 |  |  | Closed | 2025-10-16 08:38 | 2025-10-27 03:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2134 |  |  | Closed | 2025-10-16 07:26 | 2025-10-24 08:01 | Acknowledged | 2 - Non-Material C B | Credit | Borrower | Borrower 1 Gender Selection is Not Provided | Acknowledged-XX Acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-This should be downgraded to informational only condition - Buyer-XX/XX/XXXX <br>Open-Borrower X Gender Selection is Not Provided Gender is not marked in provided Final XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXXXXXX-XX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx2134 |  |  | Closed | 2025-10-16 07:26 | 2025-10-24 08:01 | Acknowledged | 2 - Non-Material C B | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Acknowledged-XX Acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-This should be downgraded to informational only condition - Seller-XX/XX/XXXX <br>Open-Borrower X Ethnicity Selection is Not Provided Ethnicity is not marked in provided Final XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-This should be downgraded to informational only condition - Seller-XX/XX/XXXX<br>| XXXXXXXXXXXX-XX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx1071 |  |  | Closed | 2025-10-15 08:59 | 2025-10-27 05:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD provided, updated & condition resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file, required to run the compliance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1071 |  |  | Closed | 2025-10-15 07:46 | 2025-10-27 03:39 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title with updated coverage amount provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount is $XXX,XXX is Less than Loan Amount $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXXX XXXX XXXXXXX XXXXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8889 |  |  | Closed | 2025-10-17 00:58 | 2025-10-29 16:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors: XXX FICO, XX mos reserves, X% DTI and $XX,XXX residual income. - Buyer-XX/XX/XXXX <br>Escalated-Escalating for XX Visibility - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Exception form provided by client. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Exception form - Due Diligence Vendor-XX/XX/XXXX <br>Open-Subject loan amount is below guideline minimum amount of $XXX,XXX<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXX XX X.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%<br> XXXXXXXX XXXXXX XX $XXXXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XX $XXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8889 |  |  | Closed | 2025-10-17 00:50 | 2025-10-21 12:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This Xnd lien loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, per the other considerations section of Initial LE issued within X business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXX XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXX XXXXX XXXXXXXXXXXXXX XXXXXXX XX XXXXXXX XX XXXXXX XXXXXX X XXXXXXXX XXXX XXXX XXX XXXXXXXXXXX XXXX, X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2120 |  |  | Closed | 2025-10-17 01:49 | 2025-11-07 06:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Title Endorsements (T-2, T-19, T-17, T-42, T-42.1) Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-One or more of the docs TX, TXX, TXX, TXX, TXX.X is Missing Since property is PUD, T-XX doc is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | X XXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2120 |  |  | Closed | 2025-10-17 00:18 | 2025-11-06 06:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Provided DOT page #XXX does not show check mark on PUD rider info - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX X XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2120 |  |  | Closed | 2025-10-17 01:49 | 2025-11-04 01:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Premium Pricing Disclosure T64 Form is Missing | Resolved-Requested T-XX disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. TXX on last page attached - Seller-XX/XX/XXXX <br>Open-Premium Pricing Disclosure TXX Form is Missing Provide Texas T-XX premium pricing disclosure form. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. TXX on last page attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX X-XX XXXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2120 |  |  | Closed | 2025-10-22 08:20 | 2025-10-28 07:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX, XXXXXXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2120 |  |  | Closed | 2025-10-17 03:52 | 2025-10-28 05:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X.-XXXXXXX-XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9981 |  |  | Closed | 2025-10-23 14:55 | 2025-10-29 09:09 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan is not escrowed, meets XXXX guidelines. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan not escrowed, meets XXXX guidelines. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XX XXX XXXXXXXX, XXXXX XXXX XXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXX XXXX XXX XXXXXXXX, XXXXX XXXX XXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1254 |  |  | Closed | 2025-10-17 11:38 | 2025-10-23 15:49 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. This is a CES so there are no Escrows as those are included in the First Lien. Final CD on PG XXX reflects no escrow. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg # XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXX XX XXXXX XXX XX XXXXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXX XXXX. XXXXX XX XX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX # XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9230 |  |  | Closed | 2025-10-17 11:33 | 2025-10-28 06:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Final CD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD uploaded for review. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final CD uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9230 |  |  | Closed | 2025-10-28 05:09 | 2025-10-28 05:11 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9230 |  |  | Closed | 2025-10-28 05:09 | 2025-10-28 05:11 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9230 |  |  | Closed | 2025-10-28 05:09 | 2025-10-28 05:11 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9230 |  |  | Closed | 2025-10-28 05:09 | 2025-10-28 05:11 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (XX CFR §XXXX.XX(e)(X)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)This 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 §XXXX.XX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXX.XX(a)(X)(vi) (which references the timing requirements for the 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:NoneAs not being open on PLEASE 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.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXX.XX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXX.XX(e)(X)(e)(X)(iii). - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1716 |  |  | Closed | 2026-01-07 19:23 | 2026-01-09 10:02 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1716 |  |  | Closed | 2026-01-07 19:23 | 2026-01-09 10:02 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1716 |  |  | Closed | 2026-01-07 19:23 | 2026-01-09 10:02 | Resolved | 1 - Information C A | Compliance | TRID | TRID Rescission Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID rescission total of payments test. (XX CFR §XXXX.XX(g)(X)(ii))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than X/X of X percent of the face amount of the note or $XXX, whichever is greater. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1716 |  |  | Closed | 2026-01-07 19:23 | 2026-01-09 10:02 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1716 |  |  | Closed | 2026-01-07 19:23 | 2026-01-08 16:32 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(XX CFR §XXXX.XX(f)(X)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXXX.XX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXXX.XX(o)(X) becomes inaccurate, as defined in §XXXX.XX.(B) The loan product is changed, causing the information disclosed under §XXXX.XX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXXX.XX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXXX.XX(f)(X)(i) no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1716 |  |  | Closed | 2026-01-07 19:23 | 2026-01-08 16:32 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA APR Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA APR test. (XX CFR §XXXX.XX(a)(X), (X) , transferred from XX CFR §XXX.XX(a)(X), (X))The annual percentage rate (APR) is X.XXX%. The disclosed APR of X.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1716 |  |  | Closed | 2026-01-07 19:23 | 2026-01-07 19:33 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1716 |  |  | Closed | 2025-10-20 02:44 | 2025-11-04 01:11 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Finding added for Appraisal is missing: as AVM has FSD score of X.X%, which is acceptable per AVM rating agencies, for House canary AVM, Confidence score upto XX% is X.X% acceptable. Provided AVM has X.XX%, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Our ave conf score is XX% please clear this - Seller-XX/XX/XXXX <br>Open-Appraisal is Missing Required AVM or Appraisal report for Primary value (Provided AVM Score is less than XX %) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Our ave conf score is XX% please clear this - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXX XXXXXXXXX XX XXXXXXX: XX XXX XXX XXX XXXXX XX X.X%, XXXXX XX XXXXXXXXXX XXX XXX XXXXXX XXXXXXXX, XXX XXXXX XXXXXX XXX, XXXXXXXXXX XXXXX XXXX XX% XX X.X% XXXXXXXXXX. XXXXXXXX XXX XXX X.XX%, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XX XXXXXXX XX XX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1716 |  |  | Closed | 2025-10-19 10:24 | 2025-10-27 19:18 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided updated gap credit report. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Borrower X Gap credit report expired required Updated Gap credit report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXX XXXXXX XXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX-XXX-XXXXXXX-XX.XX.XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1710 |  |  | Closed | 2025-10-24 09:21 | 2025-11-05 06:18 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-I-XXX provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Counter-Visa is still missing in file - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines unexpired visa for Borrower X was not provided in file, per guidelines for non permanent residents an unexpired passport and visa re required. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-X-XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX XXXXX XX.XXX_XXXXX_<br> X-XXXX XXXXXXXX.XXX_XXXXX_<br> X-XXXX XXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1710 |  |  | Closed | 2025-10-24 08:51 | 2025-10-29 06:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload. - Buyer-XX/XX/XXXX <br>Open-The Note is Incomplete The note signature page is missing in file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX - XXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1718 |  |  | Closed | 2025-10-21 01:15 | 2025-10-31 09:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-received the right of recission - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Counter-This is a refinance of a Primary and there needs to be a signed Right of Rescission in the file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-There is no Right of Rescission on refinance - Please waive - Seller-XX/XX/XXXX <br>Open-Right of Rescission is Missing Provide right to cancel doc. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Ready for Review-There is no Right of Rescission on refinance - Please waive - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXX XXXXX XX XXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX XXXXX XX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1718 |  |  | Closed | 2025-10-21 00:52 | 2025-10-29 14:01 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-I do not understand this condition. What CD is in question - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(XX CFR §XXXX.XX(f)(X)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXXX.XX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXXX.XX(o)(X) becomes inaccurate, as defined in §XXXX.XX.(B) The loan product is changed, causing the information disclosed under §XXXX.XX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXXX.XX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXXX.XX(f)(X)(i) no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-I do not understand this condition. What CD is in question - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1718 |  |  | Closed | 2025-10-23 12:54 | 2025-10-29 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Borrower X Award Letter Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Borrower X Award Letter Missing Missing the VA retirement - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXXXX XXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXX-XX-XXXXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1718 |  |  | Closed | 2025-10-21 01:23 | 2025-10-29 01:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Borrower signed as Trustee and Trust agreement is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br> Open-Provide trust agreement for XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3199 |  |  | Closed | 2025-10-20 02:37 | 2025-10-28 00:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. good through date at bottom of Xnd page - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3049 |  |  | Closed | 2025-10-30 04:41 | 2025-10-30 19:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3049 |  |  | Closed | 2025-10-30 08:52 | 2025-10-30 19:39 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3049 |  |  | Closed | 2025-10-22 01:13 | 2025-10-30 19:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved. Initial CD provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing from loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXX.XXX_XXXXX_<br> XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3049 |  |  | Closed | 2025-10-30 04:41 | 2025-10-30 08:55 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3049 |  |  | Closed | 2025-10-30 04:41 | 2025-10-30 08:55 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7503 |  |  | Closed | 2025-10-22 00:44 | 2025-10-29 16:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VOE attached dated XX/X/XXXX - XXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE Prior to Close is missing from loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7503 |  |  | Closed | 2025-10-22 01:41 | 2025-10-25 17:12 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s missing, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX ,XX-XXX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXXXXXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX ,XX-XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7503 |  |  | Closed | 2025-10-22 01:41 | 2025-10-25 17:12 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s missing, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX ,XX-XXX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXXXXXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX ,XX-XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9863 |  |  | Closed | 2025-10-23 15:11 | 2025-10-28 14:27 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Confirmation provided in Findings that XXXXX XXXXXXX XXXXXX account is paid by the business. Credit Liabilities screen updated. DTI updated and reflects XX.XX% which is within the GL max of XX%. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Processor Cert uploaded for review. - XXXXX-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% The XXXXX XXXXXXX XXXXXX XXXXX installment loan with a payment of $XXXX was not included in the lender's DTI calculation. Unable to locate proof that this liability was paid off in order to exclude. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXX XXXXXXXX XX XXXXXXXX XXXX XXXXX XXXXXXX XXXXXX XXXXXXX XX XXXX XX XXX XXXXXXXX. XXXXXX XXXXXXXXXXX XXXXXX XXXXXXX. XXX XXXXXXX XXX XXXXXXXX XX.XX% XXXXX XX XXXXXX XXX XX XXX XX XX%. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXXXXX XXXXXXXXX XXXX - XXX XXXXXX XXX XXXXX XXX XXX XXXXX XXXX XX XXX XXXXXXXX XX XXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9863 |  |  | Closed | 2025-10-23 06:34 | 2025-10-24 03:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested Senior lien documents provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Mortgage Statement and credit supplement used by our UW to clear First mortgage information. - XXXXX-XX/XX/XXXX <br>Open-Senior subordinate lien legal documents missing in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXX XXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXXXXX XX XXXX XXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXX XXXXXXX XXXXXXXX_XXXXXXXXX_XXXX XXXXXXX XX .XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3051 |  |  | Closed | 2025-10-22 03:58 | 2025-10-29 07:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower X YTD Profit & Loss Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X YTD Profit & Loss uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the p & l<br> - Buyer-XX/XX/XXXX <br>Open-Borrower X YTD Profit & Loss Missing Profit & Loss statement is Missing in file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX & XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX & XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX X &X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4092 |  |  | Closed | 2025-10-21 21:59 | 2025-10-30 10:32 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Lender provided PCD indicating a disbursement after last day to cancel. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. The disbursement date per Final CD is XX/XX/XXXX, however the last date to cancel is also XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXXXXXXX X XXXXXXXXXXXX XXXXX XXXX XXX XX XXXXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4092 |  |  | Closed | 2025-10-21 21:59 | 2025-10-30 10:56 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the XX AB XXX higher-priced mortgage loan test. (XX AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg# XX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg#XX , and copy of the appraisal was given to the borrower see Pg# XXfor the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXXXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" <br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4092 |  |  | Closed | 2025-10-21 21:59 | 2025-10-30 10:56 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg# XX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg#XX , and copy of the appraisal was given to the borrower see Pg# XXfor the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXXXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5806 |  |  | Closed | 2025-10-23 21:33 | 2025-11-04 19:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided UDM for BX & BX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing BX gap credit report is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXX XXX XX & XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX - XXX XXXXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5806 |  |  | Closed | 2025-10-23 21:33 | 2025-11-04 19:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Lender provided UDM for BX & BX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing BX gap credit report is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXX XXX XX & XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX - XXX XXXXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1061 |  |  | Closed | 2025-10-28 09:03 | 2025-10-29 06:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VOe - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. VOe - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1061 |  |  | Closed | 2025-10-23 03:36 | 2025-10-29 01:05 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mis match from XXXX to credit liablities, provided Upated Credit Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. credit report from X/XX attached median FICO is XXX. - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Initial credit report dated XX/XX/XXXX pg no: XXX reflects XXX as FICO score. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXX XXXXX XXXX XXXX XX XXXXXX XXXXXXXXXX, XXXXXXXX XXXXXX XXXXXX XXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X.XX XXXXXX XXXXXX-XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1061 |  |  | Closed | 2025-10-23 04:38 | 2025-10-28 09:33 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A doc and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# lock pg XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX , and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# X/X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXXX XX XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX,XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1061 |  |  | Closed | 2025-10-23 04:38 | 2025-10-28 09:33 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX AB XXX higher-priced mortgage loan test. (XX AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A doc and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# lock pg XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX , and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# X/X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXXX XX XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX,XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" <br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5815 |  |  | Closed | 2025-10-24 05:13 | 2025-12-16 15:56 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Resolved-Appraisal doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. Appraisal uploaded - Seller-XX/XX/XXXX _xXXXXD_<br> Open-Appraisal is Missing core valuation is missing in the file .Provide - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Appraisal uploaded - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXXXXXXXX XX XXXXXXX XX XX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXXXXXX - XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5815 |  |  | Closed | 2025-10-24 04:25 | 2025-12-16 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Resolved-Title doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. Title uploaded. - Seller-XX/XX/XXXX _xXXXXD_<br> Open-Title Document is missing Title document is missing in the file. Provide the same<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Title uploaded. - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5815 |  |  | Closed | 2025-10-28 12:34 | 2025-11-03 08:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Resolved-Lender provided evidence of rate lock. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. Rate Lock uploaded - Seller-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Rate Lock uploaded - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XX XXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5815 |  |  | Closed | 2025-10-31 08:25 | 2025-11-03 08:08 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. HO Counseling uploaded - Seller-XX/XX/XXXX _xXXXXD_<br> Open-Loan is primary transaction, homeownership counseling disclosure is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. HO Counseling uploaded - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5815 |  |  | Closed | 2025-10-24 05:57 | 2025-10-31 08:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided fully executed Final CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. Final CD uploaded - Buyer-XX/XX/XXXX _xXXXXD_<br> Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is missing in the file. Provide final CD - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXX XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5815 |  |  | Closed | 2025-10-24 04:12 | 2025-10-31 08:18 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Resolved-Lender provided XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. Updated XXXX uploaded. - Buyer-XX/XX/XXXX _xXXXXD_<br> Open-The XXXX document is missing from the loan file. Income per XXXX does not match the income per the bank statement worksheet. - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5815 |  |  | Closed | 2025-10-24 04:09 | 2025-10-31 08:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Resolved-Lender provided fully executed Final XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. Final XXXX uploaded - Buyer-XX/XX/XXXX _xXXXXD_<br> Open-The Final XXXX is Missing final XXXX is missing in the file. Provide final XXXX - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXXXXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5815 |  |  | Closed | 2025-10-24 04:17 | 2025-10-31 05:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Resolved-Note doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. Note uploaded - Buyer-XX/XX/XXXX _xXXXXD_<br> Open-The Note is Missing Note document is missing in the file. Provide the same - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-XXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5815 |  |  | Closed | 2025-10-24 04:23 | 2025-10-31 05:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-DOT provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. DOT uploaded for review - Buyer-XX/XX/XXXX _xXXXXD_<br> Open-The Deed of Trust is Missing DOT document is missing in the file. Provide the same<br> - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXX XX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5815 |  |  | Closed | 2025-10-24 05:33 | 2025-10-31 03:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third party fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. Fraud Report uploaded - Buyer-XX/XX/XXXX _xXXXXD_<br> Open-Missing Third Party Fraud Report .Provide the same - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5815 |  |  | Closed | 2025-10-24 05:15 | 2025-10-31 03:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. Flood Cert uploaded - Seller-XX/XX/XXXX _xXXXXD_<br> Open-Missing Flood Certificate flood document is missing in the file. Provide the same - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Flood Cert uploaded - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXXXX XXXXXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXXXXXX - XXXXX XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5815 |  |  | Closed | 2025-10-24 05:15 | 2025-10-31 03:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance policy provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. HOI uploaded. - Seller-XX/XX/XXXX _xXXXXD_<br> Open-Missing Hazard Insurance Policy Hazard document is missing in the file. Provide the same - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. HOI uploaded. - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXXXXXX - XXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3368 |  |  | Closed | 2025-10-28 16:23 | 2025-10-31 09:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Received the initial CD and it was captured - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-received the Initial CD and it was captured. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXXD_<br> Open-TRID: Missing Closing Disclosure Missing the initial closing disclosure - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXXXXXXX XXX XXXXXXX XX XXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XXXXXXX XXXXXXXXXX (XXXXXXXXX).XXX_XXXXX_<br> XXXXXXX XXX XX-XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3368 |  |  | Closed | 2025-10-31 09:42 | 2025-10-31 09:46 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-"Requirements of HPML have been met" <br>- Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX-"XXXXXXXXXXXX XX XXXX XXXX XXXX XXX" <br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3368 |  |  | Closed | 2025-10-31 09:42 | 2025-10-31 09:44 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3368 |  |  | Closed | 2025-10-31 09:42 | 2025-10-31 09:44 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3368 |  |  | Closed | 2025-10-31 09:42 | 2025-10-31 09:44 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX | _xXXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3368 |  |  | Closed | 2025-10-27 03:06 | 2025-10-30 18:48 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Supporting documentation provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXXD_<br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXXXXXXXXX XXXXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3368 |  |  | Closed | 2025-10-28 16:24 | 2025-10-30 18:47 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Supporting documentation provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXXD_<br> Open-Missing the FACTS disclosure - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXXXXXXXXX XXXXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3368 |  |  | Closed | 2025-10-28 16:22 | 2025-10-30 18:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Supporting documentation provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXXD_<br> Open-Home loan toolkit is missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXXD_ | XXXXXXXX-XXXXXXXXXX XXXXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXX - XXXXXXXXXXXXX XXXXXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXX XXXXXXXXXX - XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3368 |  |  | Closed | 2025-10-28 16:22 | 2025-10-30 18:46 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Supporting documentation provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXX - XXXXXXXXXXXXX XXXXXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXX XXXXXXXXXX - XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx9731 |  |  | Closed | 2025-11-04 12:16 | 2025-11-06 04:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received closing disclosure dated XX/XX/XXXX with coinciding change of circumstance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing closing disclosure dated XX/XX/XXXX with coinciding change of circumstance if applicable. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXX XXXXXXX XXXXXXXXXX XXXXX XX/XX/XXXX XXXX XXXXXXXXXX XXXXXX XX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XX XX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx9731 |  |  | Closed | 2025-11-04 12:14 | 2025-11-06 04:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received loan estimate dated XX/XX/XXXX and coinciding change of circumstance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing loan estimate dated XX/XX/XXXX and coinciding change of circumstance if applicable. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXXX XX/XX/XXXX XXX XXXXXXXXXX XXXXXX XX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XX XX XX.XXX_XXXXX_<br> XXXXXXXX XX XX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx9731 |  |  | Closed | 2025-11-03 23:34 | 2025-11-06 04:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved, TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX, XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX." - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX." <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4916 |  |  | Closed | 2025-10-26 22:06 | 2025-11-10 17:40 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD reflecting the correct Disbursement Date and Per Diem Date provided. XX report is minimal, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated - Seller-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. This loan failed the TILA right of rescission test because the per the ROR dated XX/XX/XX the cancellation date is XX/XX/XX and the disbursement date per final CD is XX/XX/XX. The funding date is before the third business day following consummation. Borrower did not get the full recession period. Please provide a corrected PCCD reflecting the correct Disbursement Date and Per Diem Date. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXXXX XXX XXXXXXX XXXXXXXXXXXX XXXX XXX XXX XXXX XXXX XXXXXXXX. XX XXXXXX XX XXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4916 |  |  | Closed | 2025-10-26 18:37 | 2025-11-10 00:21 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated - Buyer-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Missing XXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2021 |  |  | Closed | 2025-10-30 16:45 | 2025-11-18 07:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Updated XXXX provided reflected income calculation of $XX,XXX.XX based off the updated Income Calculator in Findings: XXXXXXXXXX XXXXXXX X XXXXXXXXXXXXXXXX XXXXXXXX XX.XX.XXX. Income Calculation: Total Eligible Deposits of $XXX,XXX.XX x XXX% ownership - XX% expense ratio = $XXX,XXX.XX / XX = $XX,XXX.XX monthly qualifying income. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated docs attached - Seller-XX/XX/XXXX <br>Open-The Final Loan Approval on p XXXX reflects Total Income of $XX,XXX that was used for qualifying; however, based on the Total Eligible Deposits of $XXX,XXX.XX x XXX% ownership - XX% expense ratio = $XXX,XXX.XX / XX = $XX,XXX.XX monthly qualifying income not $XX,XXX.XX/month. The Qualifying Income of $XX,XXX.XX on the lender's bank statement income calculator on p XXXX is incorrect based off this calculation. The XXXX also reflected the $XX,XXX income figure. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated docs attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXXX XXXXXX XXXXXXXXXXX XX $XX,XXX.XX XXXXX XXX XXX XXXXXXX XXXXXX XXXXXXXXXX XX XXXXXXXX: XXXXXXXXXX XXXXXXX X XXXXXXXXXXXXXX XXXXXXXX XX.XX.XXX. XXXXXX XXXXXXXXXXX: XXXXX XXXXXXXX XXXXXXXX XX $XXX,XXX.XX X XXX% XXXXXXXXX - XX% XXXXXXX XXXXX = $XXX,XXX.XX / XX = $XX,XXX.XX XXXXXXX XXXXXXXXXX XXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXX XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2021 |  |  | Closed | 2025-10-30 14:05 | 2025-11-18 07:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-The corrected lender's Bank Statement Income Calculator is provided in Findings: XXXXXXXXXX XXXXXXX X XXXXXXXXXXXXXXXX XXXXXXXX XX.XX.XXX along with a corrected XXXX. Income Calculation: Total Eligible Deposits of $XXX,XXX.XX x XXX% ownership - XX% expense ratio = $XXX,XXX.XX / XX = $XX,XXX.XX monthly qualifying income. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated worksheet attached - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The lender's Bank Statement Income Calculator provided on p XXXX reflects the Qualifying Income of $XX,XXX.XX/month however the calculation does not result in $XX,XXX.XX. Total Eligible Deposits of $XXX,XXX.XX x XXX% ownership - XX% expense ratio = $XXX,XXX.XX / XX = $XX,XXX.XX monthly qualifying income not $XX,XXX.XX/month. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated worksheet attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXXX XXXXXX'X XXXX XXXXXXXXX XXXXXX XXXXXXXXXX XX XXXXXXXX XX XXXXXXXX: XXXXXXXXXX XXXXXXX X XXXXXXXXXXXXXX XXXXXXXX XX.XX.XXX XXXXX XXXX X XXXXXXXXX XXXX. XXXXXX XXXXXXXXXXX: XXXXX XXXXXXXX XXXXXXXX XX $XXX,XXX.XX X XXX% XXXXXXXXX - XX% XXXXXXX XXXXX = $XXX,XXX.XX / XX = $XX,XXX.XX XXXXXXX XXXXXXXXXX XXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX X XXXXXXXXXXXXXX XXXXXXXX XX.XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2021 |  |  | Closed | 2025-10-26 10:39 | 2025-11-05 14:45 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. lender credit on final CD cover this - Seller-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). COC is required for the increase in fees. Need a COC that is dated XX/XX/XX for the increase in the appraisal fee from $XXX to $XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. lender credit on final CD cover this - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX - XXXXXXXX XXXXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2021 |  |  | Closed | 2025-10-30 15:31 | 2025-11-05 14:45 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see final CD with $XXX lender credit to cover this - Buyer-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Need a COC that is dated XX/XX/XX for the increase in the appraisal fee from $XXX to $XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX - XXXXXXXX XXXXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2021 |  |  | Closed | 2025-11-05 14:34 | 2025-11-05 14:45 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. (XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i))The revised loan estimate delivery date is either: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 receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This 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 §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure). 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, XXXXXXXXXXXXXXXXXX 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.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4138 |  |  | Closed | 2025-10-27 12:15 | 2025-11-12 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX _xXXXX_<br> Counter-The borrower is a Permanent Resident Alien. The DL is in file. Per GLs: Acceptable evidence of lawful permanent residency must be documented and meet one of the following criteria: Ÿ I-XXX – Permanent Resident Card (Green Card) that does not have an expiration date Ÿ I-XXX – Permanent Resident Card (Green Card) issued for XX years that has not expired Ÿ I-XXX – Conditional Permanent Resident Card (Green Card) issued for X years that has an expiration date, as long as it is accompanied by a copy of USCIS Form I-XXX requesting removal of the conditions Ÿ Un-expired Foreign Passport with an un-expired stamp reading as follows: "Processed for I-XXX Temporary Evidence of Lawful Admission for Permanent Residence. Valid until XX-XX-XX. Employment Authorized." - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. IDs - XXXXX-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower is permanent resident but permanent resident card is missing in file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XX-XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4138 |  |  | Closed | 2025-10-27 11:46 | 2025-11-12 00:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. VVOe attached. - XXXXX-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing Third party VOE is missing. VVOE with in XX business days of closing is required as per guidelines page #XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4192 |  |  | Closed | 2025-11-07 01:31 | 2025-11-14 08:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Missing initial LE dated within X business days of X/XX/XXXX - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4192 |  |  | Closed | 2025-11-07 01:31 | 2025-11-14 08:36 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Resolved- re ran mavent - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX. confirmation the appraisal was delivered to the borrower on page #XXX. The loan meets HPML guidelines. Resolved.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, 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 XXXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX- XX XXX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX #XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4192 |  |  | Closed | 2025-11-07 01:31 | 2025-11-14 08:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4192 |  |  | Closed | 2025-11-07 01:31 | 2025-11-14 08:35 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4192 |  |  | Closed | 2025-11-07 01:31 | 2025-11-14 08:25 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4192 |  |  | Closed | 2025-11-07 01:31 | 2025-11-14 08:25 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXX_<br> Open-Missing initial LE dated within X business days of X/XX/XXXX - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR §XXXX.XX(e)(X)(iii)(A))The 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.Therefore, if additional disclosures are entered into XXXXXXXXXXXXXXXXXX, 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 $X.XX, regardless of the actual values on the disclosure.This 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 §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(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, XXXXXXXXXXXXXXXXXX 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.The creditor shall deliver or place in the mail the disclosures required under §XXXX.XX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4192 |  |  | Closed | 2025-11-07 01:31 | 2025-11-14 08:25 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXX_<br> Open-Missing initial LE dated within X business days of X/XX/XXXX - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4192 |  |  | Closed | 2025-11-07 01:31 | 2025-11-14 08:25 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing SPL dated within X business days of X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (XX CFR §XXXX.XX(e)(X)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)This 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 §XXXX.XX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXX.XX(a)(X)(vi) (which references the timing requirements for the 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:NoneAs not being open on PLEASE 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.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXX.XX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXX.XX(e)(X)(e)(X)(iii). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4192 |  |  | Closed | 2025-10-28 01:58 | 2025-11-07 01:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4192 |  |  | Closed | 2025-10-28 00:30 | 2025-11-06 23:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE is Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX, XXXXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx8460 |  |  | Closed | 2025-11-13 12:44 | 2025-11-14 05:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received initial closing disclosure and change of circumstance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXX XXXXXXX XXXXXXX XXXXXXXXXX XXX XXXXXX XX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2915 |  |  | Closed | 2025-10-29 06:54 | 2025-10-29 07:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX and copy of the appraisal was given to the borrower see Pg#XXXX The loan meets HPML guidelines." <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXXX XXX XXXX XXXXX XXXX XXXXXXXXXX." <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3869 |  |  | Closed | 2025-10-29 08:01 | 2025-10-29 08:16 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.#XXX An AVM & Exterior PCI - Property Condition Inspection was completed for this property – see pg#X & #XXX, ECOA Appraisal Disclosure provided on page #XXX. The copy of AVM sent to borrower confirmation page#XXX,. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX.#XXX XX XXX & XXXXXXXX XXX - XXXXXXXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#X & #XXX, XXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX #XXX. XXX XXXX XX XXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX#XXX,. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3282 |  |  | Closed | 2025-11-10 03:11 | 2025-11-10 16:13 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3282 |  |  | Closed | 2025-11-04 07:53 | 2025-11-10 15:45 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Escrow Account | Resolved-Clarification received. IEADS is on page XXX, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Flood is always required to be escrowed on second liens if it wasn't escrowed on the first lien-pls clear - Buyer-XX/XX/XXXX <br>Open-Clarification requested. Per final CD provided flood insurance is escrowed. However subject loan is a second lien which is typically not escrowed. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXXX XXXXXXXX. XXXXX XX XX XXXX XXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3282 |  |  | Closed | 2025-10-30 22:22 | 2025-11-10 03:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing Initial CD (and revised CD if applicable) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2726 |  |  | Closed | 2025-10-30 22:37 | 2025-11-05 09:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Xnd lien no escrows, the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XXX, XXX, XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXX XXXX XX XXXXXXX, XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX, XXXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2726 |  |  | Closed | 2025-10-30 22:37 | 2025-11-05 09:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Xnd lien no escrows, the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XXX, XXX, XXXX for the copy of the disclosure. The loan meets HPML guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXX XXXX XX XXXXXXX, XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX, XXXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3868 |  |  | Closed | 2025-10-31 09:24 | 2025-11-07 01:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing in file, required to run the compliance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3868 |  |  | Closed | 2025-11-07 01:04 | 2025-11-07 01:18 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX. confirmation the appraisal was delivered to the borrower on page #XXX. The loan meets HPML guidelines. Resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, 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 XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX #XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3095 |  |  | Closed | 2025-11-05 10:33 | 2025-11-18 09:48 | Resolved | 1 - Information B A | Credit | Credit | Missing trust documentation | Resolved-Lender provided fully executed Trust addendum. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Counter-Certificate of Trust provided is available in file. Addendum to Note confirming Trust is missing from file. Finding countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Trust addendum to Note is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXX XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXX XXXXXXXXX XXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXXXXX XXXX XXX XX, XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3095 |  |  | Closed | 2025-10-31 06:53 | 2025-11-12 08:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Lender provided updated ROR. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX <br>Open-Right of Rescission is Missing Provided Right to Cancel on page#XXX doesn't show Cancel date.Need proper Right to cancel document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX - XXXXXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3095 |  |  | Closed | 2025-10-31 02:30 | 2025-11-12 02:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX - XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2202 |  |  | Closed | 2025-10-31 08:40 | 2025-10-31 08:45 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3340 |  |  | Closed | 2025-11-14 06:46 | 2025-12-03 13:12 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. PCCD date is on the closing date - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3340 |  |  | Closed | 2025-11-14 06:46 | 2025-12-03 13:12 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the revised closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. PCCD date is on the closing date - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3340 |  |  | Closed | 2025-10-31 07:49 | 2025-12-03 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Client sent email stating only one XXXXX/XXX account is open, others are duplicates of the same account - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Audited DTI of XX% is less than or equal to XXXXXXXXX DTI of XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% Credit report reflects tradeline of revolving account XXXXX/XXX XXXXXX\*\*\*\*\*\* with payment of $XX and a tradeline of XXXXX/XXXX XXXXX/XXXX XXXXXX\*\*\*\*\*\* of $XXX on page XXX however final XXXX reflects XXXXX/XXX with payment of $XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXX XXXXX XXXXXXX XXXX XXX XXXXX/XXX XXXXXXX XX XXXX, XXXXXX XXX XXXXXXXXXX XX XXX XXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXX XX XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3340 |  |  | Closed | 2025-10-31 07:50 | 2025-12-03 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Client sent email stating only one SYNCB/PPC account is open, others are duplicates of the same account - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI Exceeds XXXXXXXXX DTI Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% because of tradeline of revolving account SYNCB/PPC XXXXXX\*\*\*\*\*\* with payment of $XX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXX XXXXX XXXXXXX XXXX XXX XXXXX/XXX XXXXXXX XX XXXX, XXXXXX XXX XXXXXXXXXX XX XXX XXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3340 |  |  | Closed | 2025-10-31 07:51 | 2025-11-14 06:50 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cure docs uploaded - Seller-XX/XX/XXXX <br>Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Lender credit decreased from revised Cd dated XX/XX/XXXX on page XX to final Cd on page XX without a valid Change of circumstance provided - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cure docs uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXX XXXXXX XXXXXX XXX XXXXXXX XX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4890 |  |  | Closed | 2025-11-02 23:02 | 2025-12-07 14:04 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD dated XX/X/XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Notice of right to cancel w/ an expiration date of XX/XX/XX, however funds were disbursed on XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXX XX/X/XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX - XXXXXXXXXX - XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4046 |  |  | Closed | 2025-11-04 04:09 | 2025-11-19 02:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Requested Self Employment Business narrative provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached! - Buyer-XX/XX/XXXX <br>Open-Business narrative is missing in file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXX XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4046 |  |  | Closed | 2025-11-04 05:42 | 2025-11-17 09:08 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided PC CD with updated disbursement date. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Notice of right to cancel is with in X business days - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XX XX XXXX XXXXXXX XXXXXXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX XXXXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9441 |  |  | Closed | 2025-11-03 06:17 | 2025-11-05 16:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This Xnd lien loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, per the other considerations section of Initial LE issued within X business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXX XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXX XXXXX XXXXXXXXXXXXXX XXXXXXX XX XXXXXXX XX XXXXXX XXXXXX X XXXXXXXX XXXX XXXX XXX XXXXXXXXXXX XXXX, X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9441 |  |  | Closed | 2025-11-03 06:17 | 2025-11-05 16:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Under the Regulations adopted by the XXXXXXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXX Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(iii)) This Xnd lien loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, per the other considerations section of Initial LE issued within X business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXX XXXXXXXXXXX XXXXXXX XX XXX XXXXXXXX XXXXXXXXXXXX XX XXXXXXXXX XXXXXXXXXX, XX XXXXXXXXXX XX XXXXXXXX XXXXXXX, XXXX XX X XXXXXX-XXXXXX XXXXXXXX. XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%). (XXXXX XX.XX.XX.XX(X)(XX); XX XXX XXXX.XX(X)(XXX)) XXXX XXX XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXX XXXXX XXXXXXXXXXXXXX XXXXXXX XX XXXXXXX XX XXXXXX XXXXXX X XXXXXXXX XXXX XXXX XXX XXXXXXXXXXX XXXX, X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2783 |  |  | Closed | 2025-11-03 04:04 | 2025-11-03 04:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX and copy of the appraisal was given to the borrower – see Pg#'s XX, XXX-XXX for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX, XXX-XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9119 |  |  | Closed | 2025-11-04 22:12 | 2025-11-17 09:10 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured- - Due Diligence Vendor-XX/XX/XXXX <br>Cured- - Due Diligence Vendor-XX/XX/XXXX <br>Cured-Lender provided PC CD, LOX, proof of delivery and copy of check to cure amount out of tolerance. Finding cured. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc and cure - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). Points discount fee in creased in final CD. Intangible Tax and State Tax Stamps increased in initial CD and COC not provided. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXX-XXXXXX XXXXXXXX XX XX, XXX, XXXXX XX XXXXXXXX XXX XXXX XX XXXXX XX XXXX XXXXXX XXX XX XXXXXXXXX. XXXXXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9119 |  |  | Closed | 2025-11-04 22:12 | 2025-11-15 19:58 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Lender provided PC CD, LOX, proof of delivery and copy of check to cure amount out of tolerance. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XX XX, XXX, XXXXX XX XXXXXXXX XXX XXXX XX XXXXX XX XXXX XXXXXX XXX XX XXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9119 |  |  | Closed | 2025-11-04 22:12 | 2025-11-15 19:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Lender provided PC CD, LOX, proof of delivery and copy of check to cure amount out of tolerance. Finding resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XX XX, XXX, XXXXX XX XXXXXXXX XXX XXXX XX XXXXX XX XXXX XXXXXX XXX XX XXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9119 |  |  | Closed | 2025-11-04 22:12 | 2025-11-17 09:10 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2152 |  |  | Closed | 2025-11-03 01:21 | 2025-11-20 09:01 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Received post CD cleared - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) . - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) is earlier than the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Provide PCCD. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2152 |  |  | Closed | 2025-11-03 05:19 | 2025-11-18 12:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Received services you can shop for - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provide Service Provider List which is missing from loan file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX XXX XXX XXXX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2152 |  |  | Closed | 2025-11-03 01:21 | 2025-11-17 12:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credits decreased from Initial LE($XXX) to Revised LE($X) but COC for the same is not available in file. Provide COC for Lender Credits decrease. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9118 |  |  | Closed | 2025-11-05 01:31 | 2025-11-24 15:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Formal exception in loan file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-exception form - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-Audited Loan Amount of $XXXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXXX Audited Loan Amount is $XXXXXX which is less than the XXXXXXXXX Minimum Loan Amount of $XXXXXX - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXX-XXXXXX XXXXXXXXX XX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx9118 |  |  | Closed | 2025-11-05 01:01 | 2025-11-12 00:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE that is within the XX business days from closing provided, updated & condition resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-vvoe - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing The VVOE within XX days prior to closing is missing. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9118 |  |  | Closed | 2025-11-05 02:01 | 2025-11-07 15:38 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Escrow Waiver is on Pg#'s XXXand the Final Closing disclosure on Pg# XXX reflects no escrows. Rate lock date was entered correctly see Pg.'s XXX. An interior and exterior appraisal was completed for this property – see pg. XX. The appraisal disclosure was provided to the borrower(s)- see Pg#XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines. Resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXXXX XXXXXX XX XX XX#'X XXXXXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX. XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9120 |  |  | Closed | 2025-11-07 16:05 | 2025-11-12 09:08 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-resolved with the documents provided - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-ICD issued XX-XX - signed XX-XX - Docs dated XX-XX - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i))The initial closing disclosure delivery date is either: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 receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This 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 §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure) and §XXXX.XX(e)(X)(ii) (relationship to closing disclosure).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, XXXXXXXXXXXXXXXXX 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.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXXX.XX(e)(X)(ii)Relationship to disclosures required under §XXXX.XX(f)(X)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §XXXX.XX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i)...However, if a creditor uses a revised estimate pursuant to § XXXX.XX(e)(X)(iv) for the purpose of determining good faith under § XXXX.XX(e)(X)(i) and (ii), § XXXX.XX(e)(X)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXXX.XX(f)(X)(i) (including any corrected disclosures provided under § XXXX.XX(f)(X)(i) or (ii)). the initial was not X business days prior to the final CD - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXX XXX XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9120 |  |  | Closed | 2025-11-05 01:46 | 2025-11-12 09:07 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-the COC was provided - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-coc - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Points fee not increased in initial CD. Origination fee increased in initial CD COC not provided. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9120 |  |  | Closed | 2025-11-05 01:46 | 2025-11-12 09:06 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-coc - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Points fee increased in initial CD. (XX/XX) Need the COC for XX/XX and for X/XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9120 |  |  | Closed | 2025-11-05 01:46 | 2025-11-12 09:06 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-coc - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Points fee not increased in initial CD. Origination fee increased in initial CD COC not provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9120 |  |  | Closed | 2025-11-05 00:44 | 2025-11-12 00:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE that is within the XX business days from Note date provided as per XXXXXXXXXX page #XX , updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-vvoe within XX days of note date - should be sufficient for S/E - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd party VOE is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX XXX XXXXXXXXXX XXXX #XX , XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9120 |  |  | Closed | 2025-11-05 01:46 | 2025-11-12 09:06 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX , and copy of the appraisal was given to the borrower – see Pg#'s XXXfor the copy of the disclosure. The loan meets HPML XXXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXXXXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9127 |  |  | Closed | 2025-11-07 12:58 | 2025-11-13 21:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Lender provided updated title. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-prelim with $XXXK - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-Title provided has coverage amount less than loan amount. Finding countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-prelim - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Document is Incomplete Page X of title document in file, full and complete title missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9127 |  |  | Closed | 2025-11-05 02:21 | 2025-11-10 01:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-vvoe - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X VOE missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9122 |  |  | Closed | 2025-11-05 02:18 | 2025-12-04 18:55 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-LOX provided in Findings. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-LOE - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Missing LOX regarding declining income in last X months. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9122 |  |  | Closed | 2025-11-07 16:54 | 2025-12-04 18:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self-Employed Business Narrative provided in Findings. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-The narrative received is true and accurate. The LOE error is just for the business address which is not referred to in the narrative and should not impact its purpose or content. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The Business Narrative is missing. There is an LOX on p XXX regarding an error on the business narrative however the actual business narrative is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX-XXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9122 |  |  | Closed | 2025-11-07 17:14 | 2025-11-12 11:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower X CPA Letter Provided - Operating agreement confirming ownership percentage of XX% provided, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Addendum to operating agreement confirming ownership - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X CPA Letter Missing The CPA letter or equivalent is missing. Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXXXX - XXXXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXXX XXXXXXXXXX XX XX% XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9122 |  |  | Closed | 2025-11-07 16:40 | 2025-11-12 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file - Corrected XXXX provided and updated to XXXX page, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The XXXX on p XXX reflects First Mortgage P&I of $XXXX.XX however per the mortgage statement, the P&I totals $X,XXX.XX. The figure of $XXXX.XX includes the escrowed taxes and insurance which are on separate lines on the XXXX. This affects the Qualifying Ratios as well. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX - XXXXXXXXX XXXX XXXXXXXX XXX XXXXXXX XX XXXX XXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9122 |  |  | Closed | 2025-11-07 17:02 | 2025-11-12 11:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Complete DOT provided with legal description included. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Complete DOT - Due Diligence Vendor-XX/XX/XXXX <br>Open-Exhibit A is missing from the DOT. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXX XXXXXXXX XXXX XXXXX XXXXXXXXXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9122 |  |  | Closed | 2025-11-05 01:23 | 2025-11-12 00:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested Third Party Fraud Report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-drive report - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Third party Fraud report is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXX XXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9122 |  |  | Closed | 2025-11-05 01:46 | 2025-11-07 17:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. The Escrow Waiver is on p XXX. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX, XXX for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXX XXXXXX XXXXXX XX XX X XXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9131 |  |  | Closed | 2025-11-05 02:58 | 2026-03-17 21:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) WVOE provided, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-vvoe - Due Diligence Vendor-XX/XX/XXXX <br>Counter- Missing Xrd Party VOE Prior to Close for BX. BX has wage earner income. Internet screenshot provided is not acceptable as WVOE. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-vvoe - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Xrd Party VOE Prior to Close for BX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) XXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9131 |  |  | Closed | 2025-11-05 02:58 | 2026-03-17 21:41 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals X) - Paystubs provided, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-paystub - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Paystubs Less Than X Month Provided Missing most recent paystubs within XX-days a required per guidelines - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXX X XXXXX XXXXXXXX XXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXX X XXXXX XXXXXXXX XXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXXXXXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9131 |  |  | Closed | 2025-11-05 04:15 | 2025-11-10 01:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Requested XX Months Bank statements provided showing proof that XXXXXXXXXX XXXX is paid by other hence excluded the account, now DTI is in line hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited DTI of XX.XX% is less than or equal to XXXXXXXXX DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited DTI of XX.XX% is less than or equal to XXXXXXXXX DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Borrower not making payment , The attached was in file - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% Liability for BX investment property was excluded from back end DTI calculation. Only HOA dues were included. DTI exceeds max allowed per guideline with this debt included. Per credit report investment property has an open mortgage. REO rental calculated is -$X,XXX.X ($X,XXX+$XXX.XX) for investment property XXXX XXXXXXXXXX XXXX Page#XXX,XXX,XXX) - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XX XXXXXX XXXX XXXXXXXXXX XXXXXXXX XXXXXXX XXXXX XXXX XXXXXXXXXX XXXX XX XXXX XX XXXXX XXXXX XXXXXXXX XXX XXXXXXX, XXX XXX XX XX XXXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXX XX XX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXX XX XX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_XX.XXX_XXXXX_<br> XXXXXXX_XX.XXX_XXXXX_<br> XXXXXXX_XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9131 |  |  | Closed | 2025-11-05 04:16 | 2025-11-10 01:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI Exceeds XXXXXXXXX DTI Liability for BX investment property was excluded from back end DTI calculation. Only HOA dues were included. DTI exceeds max allowed per guideline with this debt included. Per credit report investment property has an open mortgage. REO rental calculated is -$X,XXX.X ($X,XXX+$XXX.XX) for investment property XXXX XXXXXXXXXX XXXX Page#XXX,XXX,XXX) - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9123 |  |  | Closed | 2025-11-05 04:24 | 2025-11-12 12:00 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC form updated to review. PC XX is passing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). This loan failed the charges that cannot decrease test due to the lender credit that was decreased to $X on revised LE issued XX/X/XX. Provide COC form disclosing the change to the borrower or to cure provide, PCCD, LOE, evidence of refund and POD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXX XX XXXXXX. XX XX XX XXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9123 |  |  | Closed | 2025-11-05 04:35 | 2025-11-12 11:57 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Re-opened due to running XX and PC XX. Status changed back to resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Fired due to recording fees that increased from $XXX to $XXX on finial CD. Recording fee reduced to $XXX on PCCD. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX-XXXXXX XXX XX XXXXXXX XX XXX XX XX. XXXXXX XXXXXXX XXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXX XX XXXXXXXXX XXXX XXXX XXXXXXXXX XXXX $XXX XX $XXX XX XXXXXX XX. XXXXXXXXX XXX XXXXXXX XX $XXX XX XXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9123 |  |  | Closed | 2025-11-05 04:35 | 2025-11-12 11:57 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Re-opened due to running XX and PC XX. Status changed back to resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Fired due to recording fees that increased from $XXX to $XXX on finial CD. Recording fee reduced to $XXX on PCCD. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX-XXXXXX XXX XX XXXXXXX XX XXX XX XX. XXXXXX XXXXXXX XXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXX XX XXXXXXXXX XXXX XXXX XXXXXXXXX XXXX $XXX XX $XXX XX XXXXXX XX. XXXXXXXXX XXX XXXXXXX XX $XXX XX XXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9123 |  |  | Closed | 2025-11-05 04:35 | 2025-11-12 11:57 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Re-opened due to running CE and PC CE. Status changed back to resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). Fired due to recording fees that increased from $XXX to $XXX on finial CD. Recording fee reduced to $XXX on PCCD. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX-XXXXXX XXX XX XXXXXXX XX XXX XX XX. XXXXXX XXXXXXX XXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXXX XXXX XX XXXXX XXXXXX XXXXXXXX XXXX XXXX XX% XXXX. (XX XXX §XXXX.XX(X)(X)(XX))XXX XXXX XXXXXXXX XXXXX-XXXXX XXXXXXXX XXXX XXX XXXXXXXX XXX XXXXXXXXX XX XXXX XXX XXX XXX XXXXXXX XXXXXX XXX XXXX XXXXX XXXXXXXXX XXXXXXXXX XX §XXXX.XX(X)(X)(XX). XXX XXXXX XXXXXXX XXXX XX XXXXX XXXXXX XXXXXXXX XXXX XXXX XX% ($XXX.XX) XXXXXX XXX XXXXXXXXXX XXXXXXX ($XXX.XX) XX XXXX XXXX XX%. XXXXXX XXX XXX XXXXX XXXX XXXXXXXX XXX XXXXXXX XXXX XXXXXX XXXXXXXX XXXX XXXX XX% XXX X XXXXXXXXXX XX XXX XXXX XXXXXXX XXX XXXXXXXX XXXXXXXXXXX.XX XXXXXXXX XX X XXXXXX XXX X XXXXX-XXXXX XXXXXXX XX X XXXXXXXXX XXX XX XX XXXX XXXXX XX:(X) XXX XXXXXXXXX XXXXXX XX XXXXXXX XXX XXXXX-XXXXX XXXXXXXX XXX XXXXXXXXX XXXX XXXX XX XX XXXXXXX XX XXX XXXXXXXX XXXX XXX XXXXXX XXX XXXXXXXXX XXXXXX XX XXXX XXXXXXX XXXXXXXXX XXXXX §XXXX.XX(X)(X)(X) XX XXXX XXXX XX XXXXXXX;(X) XXX XXXXXX XXX XXX XXXXX-XXXXX XXXXXXX XX XXX XXXX XX XXX XXXXXXXX XX XX XXXXXXXXX XX XXX XXXXXXXX; XXX(X) XXX XXXXXXXX XXXXXXX XXX XXXXXXXX XX XXXX XXX XXX XXXXX-XXXXX XXXXXXX, XXXXXXXXXX XXXX §XXXX.XX(X)(X)(XX). XXXXX XXX XX XXXXXXXXX XXXX XXXX XXXXXXXXX XXXX $XXX XX $XXX XX XXXXXX XX. XXXXXXXXX XXX XXXXXXX XX $XXX XX XXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9134 |  |  | Closed | 2025-11-05 04:55 | 2025-11-12 01:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Requested May XXXX statement provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-May bank statements - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing business bank statement for May XXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9134 |  |  | Closed | 2025-11-05 03:41 | 2025-11-12 00:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested gap credit report that is dated within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-udn - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing Gap credit report/undisclosed debt monitoring report - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXXXX XXXX XX XXXXX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9134 |  |  | Closed | 2025-11-05 04:16 | 2025-11-12 12:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Re-opened due to running CE and PC CE, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX-XXXXXX XXX XX XXXXXXX XX XXX XX XX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9134 |  |  | Closed | 2025-11-05 04:16 | 2025-11-12 12:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Re-opened due to running CE and PC CE, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX-XXXXXX XXX XX XXXXXXX XX XXX XX XX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5855 |  |  | Closed | 2025-11-12 02:42 | 2025-11-12 09:03 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC in file coincides with Initial CD issued XX/XX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Reimbursement amount is not applicable. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XX XXXX XXXXXXXXX XXXX XXXXXXX XX XXXXXX XX/XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXXXXXXXX XXXXXX XX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5855 |  |  | Closed | 2025-11-12 02:42 | 2025-11-12 09:03 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC in file coincides with Initial CD issued XX/XX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XX XXXX XXXXXXXXX XXXX XXXXXXX XX XXXXXX XX/XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5855 |  |  | Closed | 2025-11-12 02:42 | 2025-11-12 09:03 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC in file coincides with Initial CD issued XX/XX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Reimbursement amount is not applicable. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XX XXXX XXXXXXXXX XXXX XXXXXXX XX XXXXXX XX/XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXXXXXXXX XXXXXX XX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5855 |  |  | Closed | 2025-11-12 02:42 | 2025-11-12 09:03 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC in file coincides with Initial CD issued XX/XX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XX XXXX XXXXXXXXX XXXX XXXXXXX XX XXXXXX XX/XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXXXX XXX XXXXXXX XXXX XXXXXX XXXXXXXX XXXX. (XX XXX §XXXX.XX(X)(X)(X))XXX XXXX XXXXXXXX XXXXXXX XXXX XXXXXX XXX XXXX XXXXX XXXXXXXXXXXXX XXXXXXXXX XX §XXXX.XX(X)(X)(X).XXX XX XXXX XX XXX XXXXX XXXXXXX XXXXXX XXX XXXXXXXXXX XXXXXX. XXXX XXXXX XXXXXXXXX XXXXXXXXX XX $XX.XX.XXXXXX XXX XXX XXXXXXXXX XXXXXXXXXX XXXXX XXXX XXXXXXXX XXX XXXXXXX XXXX XXXXXX XXXXXXXX XXX X XXXXXXXXXX XX XXX XXXX XXXXXXX XXX XXXXXXXX XXXXXXXXXXX. XX XXXXXXXXX XXXXXXX XXXX XXXXXXXXX XXXXXXXX XX §XXXX.XX(X) XX XX XXXX XXXXX XX XXX XXXXXX XXXX XX XX XXXXXXX XX XXX XXXXXXXX XXXX XXX XXXXXX XXX XXXXXX XXXXXXXXXX XXXXXXXXX XXXXX §XXXX.XX(X)(X)(X). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5855 |  |  | Closed | 2025-11-06 02:34 | 2025-11-12 02:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. ICD attached. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure initial CD is missing in the file . Provide initial CD - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. ICD attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXX XXXXXXX - XXXXXX (X).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9128 |  |  | Closed | 2025-11-26 11:30 | 2025-11-26 11:34 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9128 |  |  | Closed | 2025-11-26 11:30 | 2025-11-26 11:34 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure APR Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TILA APR test. (XX CFR §XXXX.XX(a)(X), (X) , transferred from XX CFR §XXX.XX(a)(X), (X))The annual percentage rate (APR) is XX.XXX%. The disclosed APR of XX.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9128 |  |  | Closed | 2025-11-26 11:30 | 2025-11-26 11:34 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(d)(X) , transferred from XX CFR §XXX.XX(d)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9128 |  |  | Closed | 2025-11-04 22:47 | 2025-11-26 11:29 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. Loan failed finance charge test - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9128 |  |  | Closed | 2025-11-04 22:47 | 2025-11-26 11:29 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA APR Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TILA APR test. (XX CFR §XXXX.XX(a)(X), (X) , transferred from XX CFR §XXX.XX(a)(X), (X))The annual percentage rate (APR) is XX.XXX%. The disclosed APR of XX.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. Loan failed TILA APR test - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9128 |  |  | Closed | 2025-11-04 22:47 | 2025-11-26 11:29 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. Loan failed TILA foreclosure finance test - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9128 |  |  | Closed | 2025-11-04 22:47 | 2025-11-26 11:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XX. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9128 |  |  | Closed | 2025-11-04 22:47 | 2025-11-26 11:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XX. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9133 |  |  | Closed | 2025-11-05 00:21 | 2025-11-07 11:34 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Escrow Waiver is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX. The appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX- XXX and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXXXX XXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX. XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX- XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9133 |  |  | Closed | 2025-11-05 00:21 | 2025-11-07 11:34 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Escrow Waiver is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX. The appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX- XXX and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXXXX XXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX. XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX- XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9121 |  |  | Closed | 2025-11-04 22:26 | 2025-11-17 12:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-Dh approves exception. Comp Factors: XxXX mtg history for XX mos, XX mos reserves, XX% DTI, $XXXX residual income. - Buyer-XX/XX/XXXX <br>Escalated-Escalating for DH Visibility - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Exception form - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited Loan Amount of $XXXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXXX The Audited Loan Amount of $XXX,XXX is less than the XXXXXXXXX Minimum Loan Amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXXX XXX XXXXXXX XXX XX XXX<br> XX XXX XXXXXXXX<br> XX% XXX<br> $XXXX XXXXXXXX XXXXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9121 |  |  | Closed | 2025-11-04 23:09 | 2025-11-07 09:51 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX-XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX-XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9121 |  |  | Closed | 2025-11-04 23:09 | 2025-11-07 09:51 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX-XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX-XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9126 |  |  | Closed | 2025-11-05 03:51 | 2025-11-12 07:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. lock confirmation is findings in file TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg#XX reflects escrows. Rate lock date was entered correctly see findings An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan meet HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-HPML is allowed - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. lock confirmation is missing in file - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXXXXXXXX XX XXXXXXXX XX XXXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9126 |  |  | Closed | 2025-11-05 03:51 | 2025-11-12 07:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. lock confirmation is findings in file TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg#XX reflects escrows. Rate lock date was entered correctly see findings An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan meet HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-HPML is allowed - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. lock confirmation is missing in file<br>TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg#XX reflects escrows. Rate lock date was entered correctly see Pg# N/A An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan does not meet HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXXXXXXXX XX XXXXXXXX XX XXXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9126 |  |  | Closed | 2025-11-05 03:31 | 2025-11-12 01:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested Locked LE provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-locked LE should suffice in lieu of internal lock - Due Diligence Vendor-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2261 |  |  | Closed | 2025-11-05 00:49 | 2025-11-10 11:36 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXX doc and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page#X appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and copy of the appraisal was given to the borrower see Pg# X for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#X XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# X XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" <br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4791 |  |  | Closed | 2025-11-05 19:54 | 2025-11-10 07:15 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX____ and the Final Closing disclosure on Pg#'sXXX ____ reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX _____ An interior and exterior appraisal was completed for this property – see pgXX - XX ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX - XX___ , and copy of the appraisal was given to the borrower – see Pg#'s XXX_____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX____ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX ____ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'XXXX _____ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX - XX ____ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX - XX___ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX_____ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4100 |  |  | Closed | 2025-11-05 10:06 | 2025-11-14 02:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Requested Business Narrative provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Required Business Narrative Document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4100 |  |  | Closed | 2025-11-10 11:17 | 2025-11-14 02:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of employment / business not dated w/in XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XX XXXXXXXXXXXX(XXXX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4100 |  |  | Closed | 2025-11-10 11:57 | 2025-11-13 08:04 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Property state of XX is eligible per updated matrix. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See updated matrix, this state is allowed - Seller-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Property state is XX and per guidelines this is an ineligible state. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See updated matrix, this state is allowed - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXX XX XX XX XXXXXXXX XXX XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXX XXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4100 |  |  | Closed | 2025-11-05 08:46 | 2025-11-05 08:54 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg# XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX', An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX # XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX X, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX# XXX', XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4100 |  |  | Closed | 2025-11-05 08:46 | 2025-11-05 08:54 | Resolved | 1 - Information A | Compliance | Points & Fees | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX XXX XXX.XX higher-priced mortgage loan test. (XX XXX XX.XX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.While the Code of Massachusetts Regulations provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg# XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX', An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XXX XXX XX.XX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX XXX XX.XX)XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXX XX XXXXXXXXXXXXX XXXXXXXXXXX.XXXXX XXX XXXX XX XXXXXXXXXXXXX XXXXXXXXXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX # XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX X, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX# XXX', XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6249 |  |  | Closed | 2025-11-05 21:53 | 2025-11-16 20:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud report uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Required Third Party Fraud report. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0538 |  |  | Closed | 2025-11-06 01:23 | 2026-04-13 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached insurance flood is listed - Buyer-XX/XX/XXXX <br>Open-Missing Flood Insurance Policy Property in flood zone however Flood insurance policy is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX X XXXXXXXX XXXXXX X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0538 |  |  | Closed | 2025-11-08 12:02 | 2025-11-18 14:16 | Waived | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-We can proceed with downgrading and waiving this condition. The borrower is a permanent Resident Alien, and the provided identification documents are for a Permanent Resident Card, which supports their citizenship status. Therefore, this condition should be classified as informational.<br> Compensating Factors:<br> • FICO: XXX<br> • LTV: XX.XXX/XX.XXX<br> • DTI: XX.XXX%<br> • Reserves: XX.XX months<br> Best regards,<br> - Seller-XX/XX/XXXX <br>Counter-Application in file reflects non permanent vs permanent resident - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the extension of the permanent reductions, which covers the expired permanent resident card. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Final XXXX reflects citizenship as non permanent resident however permanent resident card was provided in file, unexpired passport and visa is missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-We can proceed with downgrading and waiving this condition. The borrower is a permanent Resident Alien, and the provided identification documents are for a Permanent Resident Card, which supports their citizenship status. Therefore, this condition should be classified as informational.<br> Compensating Factors:<br> • FICO: XXX<br> • LTV: XX.XXX/XX.XXX<br> • DTI: XX.XXX%<br> • Reserves: XX.XX months<br> Best regards,<br> - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the extension of the permanent reductions, which covers the expired permanent resident card. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXX XXXXXX - XXXXXXXXX (X).XXX |  | XXXX: XXX • XXX: XX.XXX/XX.XXX • XXX: XX%, XXX XX XX% <br> XXXXXXXX: XX.XX XXXXX | XX | Investment | Refinance | Cash Out - Other | XX | Originator Post-Close | Yes |
| XXXX | xxxxxx0538 |  |  | Closed | 2025-11-06 01:28 | 2025-11-14 02:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Extension of the Permanent Resident Alien for XX months from the expiration date provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the extension of the permanent reductions, which covers the expired permanent resident card. - Seller-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Provided Permanent Resident card on page #XXX expires on XX/XX/XXXX before the note date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the extension of the permanent reductions, which covers the expired permanent resident card. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XX XXX XXXXXXXXX XXXXXXXX XXXXX XXX XX XXXXXX XXXX XXX XXXXXXXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX - XXXXXXXXX (X).XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0612 |  |  | Closed | 2025-11-08 12:18 | 2025-11-19 07:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached XXX application approval for XX months. This notice states: Together with your Form I-XXX, permanent Resident card, provides evidence of your lawful permanent resident status for XX months from the expiration date on the front of your permanent resident card. Green card reflects expiration date of X/XX/XXXX = now good through X/XX/XXXX. - Buyer-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Permanent resident card expired before note date - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXXX XXX XXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0612 |  |  | Closed | 2025-11-08 11:28 | 2025-11-19 07:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Final XXXX reflects citizenship as non permanent resident however permanent resident card was provided in file, unexpired passport and visa is missing in file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5801 |  |  | Closed | 2025-11-06 02:18 | 2025-11-20 07:32 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD and LOE uploaded for review. - Buyer-XX/XX/XXXX <br>Counter-This is the same Notice of right to cancel as was in the original file. The funds were disbursed on XX/X/XXXX according to the final CD provided. However, according to the ROR, borrower had until XX/X/XXXX to cancel the refi, so funds were not to be disbursed until XX/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. ROR uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Disbursement date of XX/X/XXXX, however the ROR had a cancel date of XX/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. right of rescission cancel date is XX/X/XXXX and the funding date is XX/X/XXXX which is before the third business day following consummation - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX - X XXX XXXXX XX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3456 |  |  | Closed | 2025-11-06 04:50 | 2025-11-14 07:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-attached - Buyer-XX/XX/XXXX _xXXXX_<br> Open-rate lock extension fee added to final Cd without a lender credit or valid COC - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). COC not provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3456 |  |  | Closed | 2025-11-06 04:50 | 2025-11-14 07:48 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. COC not provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX XX XXXX XXX XXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3456 |  |  | Closed | 2025-11-06 04:50 | 2025-11-14 07:48 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. COC not provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX XX XXXX XXX XXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3456 |  |  | Closed | 2025-11-06 04:50 | 2025-11-14 07:44 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. Finance charge understated by $XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX XX XXXX XXX XXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx9960 |  |  | Closed | 2025-11-17 06:08 | 2025-11-19 03:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved, received closing disclosure dated XX/XX/XXX and corresponding change of circumstance. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-TRID: Missing Closing Disclosure Missing revised closing disclosure dated XX/XX/XXX and corresponding change of circumstance if applicable. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX, XXXXXXXX XXXXXXX XXXXXXXXXX XXXXX XX/XX/XXX XXX XXXXXXXXXXXXX XXXXXX XX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4877 |  |  | Closed | 2025-11-12 12:01 | 2025-11-17 08:00 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Borrower signed ITP provided and updated in LM. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX XXXXXX XXX XXXXXXXX XXX XXXXXXX XX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx4877 |  |  | Closed | 2025-11-12 12:07 | 2025-11-17 07:59 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx4877 |  |  | Closed | 2025-11-07 05:10 | 2025-11-16 19:57 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX - XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx4877 |  |  | Closed | 2025-11-07 05:10 | 2025-11-16 19:57 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX - XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx4877 |  |  | Closed | 2025-11-07 05:10 | 2025-11-16 19:57 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX - XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx4877 |  |  | Closed | 2025-11-07 05:10 | 2025-11-16 19:57 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX - XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx4877 |  |  | Closed | 2025-11-07 05:10 | 2025-11-16 19:57 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXD_<br> Open-There was not an initial LE in the file that was delivered to borrower w/in X business days of origination. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR §XXXX.XX(e)(X)(iii)(A))The 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.Therefore, 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 $X, regardless of the actual values on the disclosure.This 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 §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(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.The creditor shall deliver or place in the mail the disclosures required under §XXXX.XX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Application date on XX/X, initial LE issued on XX/XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX - XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx4877 |  |  | Closed | 2025-11-07 05:10 | 2025-11-16 19:41 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-SPL provided dated XX/X/XXXX and updated in XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (XX CFR §XXXX.XX(e)(X)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)This 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 §XXXX.XX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXX.XX(a)(X)(vi) (which references the timing requirements for the 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:NoneAs not being open on PLEASE 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.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXX.XX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXX.XX(e)(X)(e)(X)(iii). Application date on XX/X, initial LE issued on XX/XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXX XXXXXXXX XXXXX XX/X/XXXX XXX XXXXXXX XX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXX XX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx4877 |  |  | Closed | 2025-11-12 11:23 | 2025-11-16 19:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX - XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx3411 |  |  | Closed | 2025-11-12 08:47 | 2025-11-12 09:51 | Resolved | 1 - Information C A | Compliance | TRID | TRID Lender's and Owner's Title Insurance Policy Amounts Validation Test | Resolved-Updates made in XX - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TRID Lender's and Owner's Title Insurance Policy Amounts validation test.This loan contains a value for one, but not both of the following fields:As Disclosed Lender's Title Insurance Policy and Actual Lender's Title Insurance Policy; orAs Disclosed Owner's Title Insurance Policy and Actual Owner's Title Insurance Policy.The CFPB's Official Interpretations to the TILA-RESPA Integrated Disclosure (TRID) Final Rule requires the use of a specific calculation to arrive at the value to be provided on the disclosure forms. The Lender's Title Insurance Policy is always disclosed as the full policy amount, even if a simultaneous issue of the Owner's Title Insurance Policy is present. The Owner's Title Insurance Policy is calculated by taking the full owner's title insurance premium, adding the simultaneous issuance premium for the lender's coverage (if any), and then deducting the full premium for the lender's coverage. The value derived from this calculation is required for accurate tolerance testing under TRID, and should be entered in the "as disclosed" field in ComplianceAnalyzer.The "as disclosed" value derived from the above calculation, however, generally will not be representative of the actual value paid for the title insurance. Therefore it cannot be used for testing state and federal fee thresholds, as it will likely yield incorrect results for such tests. Accordingly, the actual value paid for the title insurance must be entered in the corresponding "actual" title insurance policy field(s). If there is no difference between the actual and disclosed values for either the owner's or lender's title insurance, please enter the same value in the "actual" and "as disclosed" fields. For more information on how these fields are used, please refer to the glossary. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXX XXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3411 |  |  | Closed | 2025-11-07 05:39 | 2025-11-12 09:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Updates were made in XX based on Change of Circumstance in file. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXX XXXX XXXX XX XX XXXXX XX XXXXXX XX XXXXXXXXXXXX XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3411 |  |  | Closed | 2025-11-07 05:39 | 2025-11-12 09:49 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Updates were made in XX based on Change of Circumstance in file. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXX XXXX XXXX XX XX XXXXX XX XXXXXX XX XXXXXXXXXXXX XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3411 |  |  | Closed | 2025-11-07 05:39 | 2025-11-12 09:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Updates were made in XX based on Change of Circumstance in file. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXX XXXX XXXX XX XX XXXXX XX XXXXXX XX XXXXXXXXXXXX XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4593 |  |  | Closed | 2025-11-11 20:57 | 2025-11-19 23:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-DOT in file is not Notarized, provided Updated DOT, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXD_<br> Open-The Deed of Trust is Incomplete The DOT has not been notarized. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXX XX XXXX XX XXX XXXXXXXXX, XXXXXXXX XXXXXXX XXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4593 |  |  | Closed | 2025-11-17 07:24 | 2025-11-17 07:51 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4593 |  |  | Closed | 2025-11-17 07:24 | 2025-11-17 07:50 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XXX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XXX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4593 |  |  | Closed | 2025-11-17 07:24 | 2025-11-17 07:35 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XXX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XXX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4593 |  |  | Closed | 2025-11-17 07:24 | 2025-11-17 07:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4593 |  |  | Closed | 2025-11-11 10:22 | 2025-11-16 19:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD dated XX/XX/XXXX provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Closing Disclosure The initial CD is missing from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXX XX XXXXX XX/XX/XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4593 |  |  | Closed | 2025-11-11 21:29 | 2025-11-16 19:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE provided and updated in XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing VOE dated w/in XX business days of closing is missing from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXX XXXXXXXX XXX XXXXXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX, XXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4593 |  |  | Closed | 2025-11-09 04:48 | 2025-11-16 18:59 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXD_<br> Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4680 |  |  | Closed | 2025-11-13 07:02 | 2025-11-18 08:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Client confirmed lender has no affiliates. Confirmed when a lender has no affiliates, the CFPB Affiliated Business Disclosure requirement does not apply. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. see LOE-no affiliates - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Missing Affiliated Business Disclosure.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XXX XX XXXXXXXXXX. XXXXXXXXX XXXX X XXXXXX XXX XX XXXXXXXXXX, XXX XXXX XXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXXXXXXXX XXXX XXX XXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX XXXXXXXXXX (XXX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4680 |  |  | Closed | 2025-11-07 08:26 | 2025-11-13 07:34 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This Xnd lien loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not escrowing; subject loan is a second lien. Escrow waiver is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XXX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX and copy of the appraisal was given to the borrower – see Pg#'s XXX for delivery confirmation. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXX XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX; XXXXXXX XXXX XX X XXXXXX XXXX. XXXXXX XXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6359 |  |  | Closed | 2025-11-13 09:46 | 2025-12-04 07:37 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Borrower provided LOX which indicates he does not live at address listed on final XXXX but is in the process of purchasing this property. XXXX in original file indicated borrower was puchasing a home in XX which did not align with other documents provided. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Updated Final XXXX uploaded along with LOX explaining current housing and address status. Borrower is currently refinancing current house as an Investment property while in the process of purchasing a new primary residence. - Seller-XX/XX/XXXX _xXXXD_<br> Counter-XXXX date is X/XX it is the same date that was countered as the incorrect XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXD_<br> Counter-The XXXX provided is not the final. This is dated X/XX/XXXX as was the initial XXXX in file. Provide clarification on the information provided in the final XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Seller-XX/XX/XXXX _xXXXD_<br> Open-According to Final XXXX provided, borrower resides at subject property address and DL has the same information. Letter in file indicates borrower is in the process of purchasing a new primary residence and address is given. However the address per XXXX is in the state of XX which does not correspond w/ information provided in the letter. Additionally, this property is disclosed as "retained" / primary residence. Items on the XXXX do not correspond w/ other documents in the file. Provide updated XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated Final XXXX uploaded along with LOX explaining current housing and address status. Borrower is currently refinancing current house as an Investment property while in the process of purchasing a new primary residence. - Seller-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX XXXXXXXX XXX XXXXX XXXXXXXXX XX XXXX XXX XXXX XX XXXXXXX XXXXXX XX XXXXX XXXX XXX XX XX XXX XXXXXXX XX XXXXXXXXXX XXXX XXXXXXXX. XXXX XX XXXXXXXX XXXX XXXXXXXXX XXXXXXXX XXX XXXXXXXXX X XXXX XX XX XXXXX XXX XXX XXXXX XXXX XXXXX XXXXXXXXX XXXXXXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXX XXXXXXX XXXX.XXX_XXXXX_<br> XXXX--XXX XX.XXX_XXXXX_<br> XXXXXXXXXX_XXX XXXXXXX XXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXX XXX XXX XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6359 |  |  | Closed | 2025-11-13 09:47 | 2025-11-25 07:20 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Rent loss provided and updated in XX<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Email from seller has been uploaded for review. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Documents indicate this is an investment property, however rent loss coverage was not provided on the hazard policy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXXXX XXX XXXXXXX XX XX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXX XXXX XXXX XXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6359 |  |  | Closed | 2025-11-07 23:16 | 2025-11-17 03:45 | Resolved | 1 - Information C A | Property | Data | Property State does not meet eligibility requirement(s) | Resolved-Invalid Condition, Ineligible is only on primary & second homes but subject property occupancy is investment hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Primary and Xnd homes are ineligible. This property is an Investment property. - Seller-XX/XX/XXXX _xXXXD_<br> Open-Property State does not meet eligibility requirement(s) Per most recent matrix property state (XX) is not eligible for Equity Advantage program. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Primary and Xnd homes are ineligible. This property is an Investment property. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXX XXXXXXXXX, XXXXXXXXXX XX XXXX XX XXXXXXX & XXXXXX XXXXX XXX XXXXXXX XXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXX XXX XXXX XXXXXX XXXXXXXXX XXXXXXXX (X).XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4355 |  |  | Closed | 2025-11-09 23:07 | 2025-11-21 02:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Statement Summary Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see the attached income worksheet - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. income calculation worksheet is missing in the file. Provide the same - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXXXXXXX XXXXXXX XXXXXX XXXXXX XXXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4357 |  |  | Closed | 2025-11-07 10:39 | 2025-11-26 00:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see the attached - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing lender income worksheet - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4357 |  |  | Closed | 2025-11-07 10:56 | 2025-11-25 00:24 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap report is with in XX business days from closing. No finding required. Hence resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Gap credit XX/XX/XX making valid XX/XX/XXXX XX business day do not included weekends holidays or the day the gap credit was ordered. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Missing Gap credit report or undisclosed debt monitoring report dated within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXXXX XX XXXX XX XX XXXXXXXX XXXX XXXX XXXXXXX. XX XXXXXXX XXXXXXXX. XXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4812 |  |  | Closed | 2025-11-14 13:14 | 2025-11-19 21:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Lender provided Initial CD and relevant COC. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Closing Disclosure Initial CD is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XX XXX XXXXXXXX XXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XX.XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4812 |  |  | Closed | 2025-11-14 13:14 | 2025-11-19 21:17 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Lender provided housing counselor list. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXD_<br> Open-Homeownership Counseling Disclosure is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXX XXXXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4812 |  |  | Closed | 2025-11-10 00:02 | 2025-11-19 21:16 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided fully executed intent to proceed. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXD_<br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed document missing the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXXX XX XXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4812 |  |  | Closed | 2025-11-19 21:37 | 2025-12-04 17:02 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan meets HPML requirements. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan meets HPML requirements. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXXX XXXX XXXXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXX XXXX XXXXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4812 |  |  | Closed | 2025-11-19 21:36 | 2025-12-04 17:02 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Loan meets HPML requirements. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-This loan failed the XX AB XXX higher-priced mortgage loan test. (XX AB XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully 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. Loan meets HPML requirements. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXXX XXXX XXXXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXX XXXX XXXXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5442 |  |  | Closed | 2025-11-08 22:26 | 2025-11-19 02:35 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested updated XXXX with updated First mortgage P&I provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Rescinded-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying fico score considered method considered as guidelines requirement. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXXXX XXXXXXXX X&X XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXXXXX XXXX XX XXX XXXX XXXX XX 'XXX' XX XXXXX, XXX XXX XXXXXXXXXX XXXX XXXX XXX XXXXXX XXXXXXXXXXX XXXX XX 'XXX' XX XXXXX. XXXXXXXXXX XXXX XXXXXXX XX XXX XXXXX. XXXXXX XXXXXXX XXX XXXXXXX XXXXXXXXXX XXXX XXXXX. XXXXXXXXXX XXXX XXXXX XXXXXXXXXX XXXXXX XXXXXXXXXX XX XXXXXXXXXX XXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5442 |  |  | Closed | 2025-11-08 23:57 | 2025-11-19 02:33 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX uploaded for review. - Buyer-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. As per Credit report and Mortgage statements pg XXX, Escrow is included in monthly mortgage payment $ XXXX.XX. <br> Provide updated XXXX reflecting PI payment for Xst mortgage payment of $XXXX.XX. First Mortgage P&I reflects $XXXX.XX which includes PITI. XXXX also includes Homeowner's Insurance payment $XXX and monthly tax payment $XXX.XX. The payment TI is double dipping reflecting a higher amount for total monthly primary mortgage payment. This is Xnd lien mortgage loan product. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5442 |  |  | Closed | 2025-11-08 23:44 | 2025-11-14 11:05 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX', An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX # XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX X, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX# XXX', XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9125 |  |  | Closed | 2025-11-10 04:19 | 2025-11-20 12:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC provided and updated to loan review. XX and PC XX are elevated. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc XX-XX - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Missing COC for points fee increased to $X,XXX.XX on revised CD issued XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). This loan failed the charges that cannot increase test due to the points fee added to the revised CD issued XX/XX/XXXX iao $XXXX, there is no COC in file please provide COC or to cure provide PCCD, LOE, evidence of refund and PCCD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XXX XXXXXXX XX XXXX XXXXXX. XX XXX XX XX XXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9125 |  |  | Closed | 2025-11-10 04:19 | 2025-11-20 12:47 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC provided and updated to loan review. XX and PC XX are elevated. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc XX-XX - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Missing COC for points fee increased to $X,XXX.XX on revised CD issued XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the charges that cannot increase test due to the points fee added to the revised CD issued XX/XX/XXXX iao $XXXX, there is no COC in file please provide COC or to cure provide PCCD, LOE, evidence of refund and PCCD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XXX XXXXXXX XX XXXX XXXXXX. XX XXX XX XX XXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9125 |  |  | Closed | 2025-11-10 04:19 | 2025-11-20 12:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC provided and updated to loan review. XX and PC XX are elevated. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc XX-XX - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Missing COC for points fee increased to $X,XXX.XX on revised CD issued XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. This loan failed the charges that cannot increase test due to the points fee added to the revised CD issued XX/XX/XXXX iao $XXXX, there is no COC in file please provide COC or to cure provide PCCD, LOE, evidence of refund and PCCD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XXX XXXXXXX XX XXXX XXXXXX. XX XXX XX XX XXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9125 |  |  | Closed | 2025-11-10 04:19 | 2025-11-18 12:47 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC form provided for LC decrease. XX and PC XX are passing. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-COC - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). This loan failed the charges that cannot decrease test due to the lender credit that decreased to X on the revised CD issued XX/X/XX. Missing COC form or to cure provide PCCD, LOE, evidence of refund and POD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX XXX XX XXXXXXXX. XX XXX XX XX XXX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9125 |  |  | Closed | 2025-11-10 02:42 | 2025-11-18 00:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-vvoe - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Xrd Party VOE dated within XX business of close. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9125 |  |  | Closed | 2025-11-10 04:19 | 2025-11-20 12:44 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC form provided for sched E fees that increased. Mavent is elevated. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Required COC or lender credits for which is increase more than XX% category. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). Required COC or lender credits for XX% increasing test to cure this tolerance - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX XXX XXXXX X XXXX XXXX XXXXXXXXX. XXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9125 |  |  | Closed | 2025-11-14 12:05 | 2025-11-20 12:43 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Per diem amount decreased on PCCD. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Per diem amount decreased on PCCD. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXX XXXXXXXXX XX XXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXX XXXXXXXXX XX XXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9125 |  |  | Closed | 2025-11-10 04:19 | 2025-11-20 12:42 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Re-opened due to running XX and PC XX, status changed back to resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Re-opened due to running XX and PC XX, status changed back to resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX-XXXXXX XXX XX XXXXXXX XX XXX XX XX, XXXXXX XXXXXXX XXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XX-XXXXXX XXX XX XXXXXXX XX XXX XX XX, XXXXXX XXXXXXX XXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX." - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9125 |  |  | Closed | 2025-11-10 04:19 | 2025-11-20 12:42 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Re-opened due to running XX and PC XX, status changed back to resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Re-opened due to running XX and PC XX, status changed back to resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX-XXXXXX XXX XX XXXXXXX XX XXX XX XX, XXXXXX XXXXXXX XXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XX-XXXXXX XXX XX XXXXXXX XX XXX XX XX, XXXXXX XXXXXXX XXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX." <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9125 |  |  | Closed | 2025-11-14 12:05 | 2025-11-20 12:40 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Per diem amount decreased on PCCD. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXX XXXXXXXXX XX XXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9115 |  |  | Closed | 2025-11-08 05:54 | 2025-11-14 15:39 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Per diem amount on PCCD decreased. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXX XX XXXX XXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9115 |  |  | Closed | 2025-11-08 05:54 | 2025-11-14 15:39 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Per diem amount on PCCD decreased. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-per diem interest amount updated as XXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXX XX XXXX XXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9124 |  |  | Closed | 2025-11-08 07:02 | 2025-11-19 01:57 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX provided is not Qualifying FICO to be chosen per lender guidelines. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXXXX XXXX XX XXX XXXX XXXXXXX XXX XXXXXXXXXX XXXX XXXX XXX XXXXXX XXXXXXXXXXX, XXXXXXXX - XXXXXXXX <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4285 |  |  | Closed | 2025-11-09 21:31 | 2025-11-27 01:26 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX XXXXXXXXXX XXXXXXXX, XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X), XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4285 |  |  | Closed | 2025-11-10 01:01 | 2025-11-10 01:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX , and copy of the appraisal was given to the borrower – see Pg#'s X for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X X XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9136 |  |  | Closed | 2025-11-17 19:51 | 2025-11-21 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-The Mortgage on the CR does confirm that the loan is a Fixed Rate loan. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-please use the credit supplement and the mortgage statement to complete the necessary information - Due Diligence Vendor-XX/XX/XXXX <br>Open-Xst lien Note is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XX XXX XX XXXX XXXXXXX XXXX XXX XXXX XX X XXXXX XXXX XXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9136 |  |  | Closed | 2025-11-11 21:39 | 2025-11-20 02:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan ToolKit not required on Refinance, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-only required for purchases this is a refi please rescind. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing The Home Loan Toolkit is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXXX XXX XXXXXXXX XX XXXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXX XXX XXXX XXXXX XXXXXXXXXX XXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9117 |  |  | Closed | 2025-11-18 09:53 | 2025-11-21 14:01 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X,XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Lender credit was itemized for closing costs. It wasn't a general lender credit. CC decreased. Attached is final CS - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X,XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The COC provided on p XX increases the lender credit to $XXXX.XX. The final sum of specific and non-specific lender credits ($X,XXX.XX) reflected on the PCCD does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Provide COC. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx9117 |  |  | Closed | 2025-11-18 09:01 | 2025-11-19 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-uDN - end date XX/X - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing The Borrower X Gap Credit Report is Missing. Required per XX X.X Credit Report Update. The CR in file is dated XX/XX/XXXX thus more than XX days from the Note date of XX/X/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx2817 |  |  | Closed | 2025-11-22 12:53 | 2025-11-26 12:17 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - XXXXXX-XX/XX/XXXX <br>Open-This loan failed the XXXX disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2817 |  |  | Closed | 2025-11-22 12:53 | 2025-11-26 11:59 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC in file applied to fee increases at revised LE issued X/XX. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XX XXXX XXXXXXX XX XXX XXXXXXXXX XX XXXXXXX XX XXXXXX X/XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2817 |  |  | Closed | 2025-11-22 12:53 | 2025-11-26 11:59 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC in file applied to fee increases at revised LE issued X/XX. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XX XXXX XXXXXXX XX XXX XXXXXXXXX XX XXXXXXX XX XXXXXX X/XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2817 |  |  | Closed | 2025-11-22 12:53 | 2025-11-26 11:59 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC in file applied to fee increases at revised LE issued X/XX. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XX XXXX XXXXXXX XX XXX XXXXXXXXX XX XXXXXXX XX XXXXXX X/XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2817 |  |  | Closed | 2025-11-22 12:54 | 2025-11-26 11:49 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided WSPL relevant to initial LE and application date. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attatched - XXXXXX-XX/XX/XXXX <br>Open-Written Settlement Services Provider List is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attatched - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXX XXXXXXX XXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2817 |  |  | Closed | 2025-11-22 12:53 | 2025-11-26 11:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Initial LE provided cleared increase. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXXXXXXX XXXXXXX XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2817 |  |  | Closed | 2025-11-22 12:53 | 2025-11-26 11:49 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Lender provided initial LE relevant to application date. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR §XXXX.XX(e)(X)(iii)(A))The 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.Therefore, if additional disclosures are entered into XXXXXXXXXXXXXXXXX, 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 $X, regardless of the actual values on the disclosure.This 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 §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(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, XXXXXXXXXXXXXXXXX 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.The creditor shall deliver or place in the mail the disclosures required under §XXXX.XX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XX XXXXXXXX XX XXXXXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2817 |  |  | Closed | 2025-11-22 12:53 | 2025-11-26 11:49 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Lender provided WSPL relevant to initial LE and application date. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (XX CFR §XXXX.XX(e)(X)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)This 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 §XXXX.XX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXX.X(a)(X)(vi) (which references the timing requirements for the 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:NoneAs not being open on PLEASE 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, XXXXXXXXXXXXXXXXX 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.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXX.XX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXX.XX(e)(X)(e)(X)(iii). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXX XXXXXXX XXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2817 |  |  | Closed | 2025-11-12 23:17 | 2025-11-22 12:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Lender provided executed initial CD. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial CD uploaded for review. - XXXXXX-XX/XX/XXXX <br>Open-XXXX: Missing Closing Disclosure Initial CD missing in file, required to run he compliance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial CD uploaded for review. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XXXXXXX XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXXXX XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4124 |  |  | Closed | 2025-11-13 00:35 | 2025-11-26 07:09 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($XX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Lender's credit decreased from $XXX in initial LE to $X in initial CD. Provide COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX - XX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4124 |  |  | Closed | 2025-11-13 00:35 | 2025-11-26 07:09 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Discount points increased without a COC or lender credit - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX - XX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4124 |  |  | Closed | 2025-11-13 00:35 | 2025-11-26 07:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Loan failed the reimbursement validation test - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX - XX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4124 |  |  | Closed | 2025-11-13 00:35 | 2025-11-26 07:09 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Loan failed the reimbursement validation test - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX - XX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4124 |  |  | Closed | 2025-11-12 23:44 | 2025-11-26 00:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Xst lien note provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Open-Provide senior lien document (Previous note) for Xst lien loan missing in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3553 |  |  | Closed | 2025-11-13 06:56 | 2025-11-25 11:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Formal exception in loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Exception on page#XXX: <br> Exception for borrower being the owner of the broker shop is approved. All relevant information confirmed thru Xrd party verification. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXXXX XXXXXXXXX XX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX XXXXXXXXX XXXXXXX (XXXX).XXX |  | XXX XX XX.X%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXXXXXXX XXXXXX XX $XXXXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $XXXX.  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx3553 |  |  | Closed | 2025-11-13 06:51 | 2025-11-25 01:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file, required to run the compliance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXXXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX - XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6143 |  |  | Closed | 2025-11-13 01:14 | 2025-11-25 09:29 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Lender provided LOX confirming bonus payout amount. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Bonus income doc and income worksheet uploaded - XXXXXX-XX/XX/XXXX <br>Open-Unable to determine XXXX YTD bonus $XXXXX amount from file. Provide either WVOE doc or XXXX YTD paystub. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Bonus income doc and income worksheet uploaded - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXXXXXXX XXXXX XXXXXX XXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX XXXXX XXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXXX XXXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6143 |  |  | Closed | 2025-11-12 22:38 | 2025-11-21 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated XXXX. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provided XXXX shows level of property review filed left blank. Provide updated XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6143 |  |  | Closed | 2025-11-12 22:35 | 2025-11-21 04:17 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Requested Race selection provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Race Selection is Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-Borrower X Race Selection is Not Provided Provide borrower demographic information. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXX XXXXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6143 |  |  | Closed | 2025-11-12 22:35 | 2025-11-21 04:17 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Gender Selection is Not Provided | Resolved-Requested Gender selection provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gender Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Gender Selection is Not Provided Provide borrower demographic information. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6143 |  |  | Closed | 2025-11-12 22:35 | 2025-11-21 04:16 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Requested Ethnicity selection provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Ethnicity Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open-Borrower X Ethnicity Selection is Not Provided Provide borrower demographic information. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXXX XXXXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5787 |  |  | Closed | 2026-01-07 20:10 | 2026-01-08 13:43 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5787 |  |  | Closed | 2025-11-13 21:51 | 2025-11-28 06:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided Lender provided Xrd Party VOE. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided Xrd party VVOE. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXX XXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX, XXXXX XXXXXX XXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5787 |  |  | Closed | 2025-11-13 20:18 | 2025-11-27 04:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Second Home Rider is Missing | Resolved-Loan Occupancy is Second home, and second Home rider is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Second Home Rider is Present or Not Applicable (Occupancy is Second Home) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Second Home Rider is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXX XX XXXXXX XXXX, XXX XXXXXX XXXX XXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXX XXXX XXXXX XX XXXXXXX XX XXX XXXXXXXXXX (XXXXXXXXX XX XXXXXX XXXX) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX XXXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9150 |  |  | Closed | 2025-11-18 00:44 | 2025-11-26 14:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors: XxXX mtg history, XX% CLTV. - Buyer-XX/XX/XXXX <br>Escalated-Escalating for XX Visibility - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-please waive, Approvals down to XXX FICO by Consumer Loan Underwriter on a case by<br>case basis if scenario meets investor's guidelines , please see attached . - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited FICO of XXX is less than Guideline FICO of XXX Per X/XX matrices, Min FICO is XXX-XXX for XX or XX Yr Fixed. Per loan file qualifying FICO is XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  | XXXX XXX XXXXXXX<br> XX% XXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9150 |  |  | Closed | 2025-11-18 01:20 | 2025-11-26 14:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors: XxXX mtg history, XX% CLTV. - Buyer-XX/XX/XXXX <br>Escalated-Escalating for XX Visibility - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-please waive. (we have a note on XXXX we excluded X amex and X XX XXXX since they are duplicates , and also exlucded hyndia x XXXX since that loan its paid off. PITIA we have XXXX.XX + all other payments XXX.XX = XXXX.XX) - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI Exceeds Guideline DTI Audited DTI is XX,XXX.XX (Income) /$X,XXX.XX (PITIA + All other monthly payments) = XX.XX%. However per GL max DTI is XX%. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXX XXX XXXXXXX<br> XX% XXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9279 |  |  | Closed | 2025-11-19 08:56 | 2025-11-24 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Xst lien Note provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-SENIOR LIEN NOTE - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing the first lien Note. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9279 |  |  | Closed | 2025-11-14 05:50 | 2025-11-20 08:51 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9279 |  |  | Closed | 2025-11-14 05:50 | 2025-11-20 08:51 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9279 |  |  | Closed | 2025-11-14 05:50 | 2025-11-20 08:51 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9279 |  |  | Closed | 2025-11-14 05:50 | 2025-11-20 08:40 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4696 |  |  | Closed | 2025-11-13 08:38 | 2025-11-25 00:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage Statement provided. Hence Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Mortgage Statement uploaded - Buyer-XX/XX/XXXX <br>Open-Required Senior Subordinate document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXXX XXXXXXXX. XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4696 |  |  | Closed | 2025-11-13 05:44 | 2025-11-23 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Missing bank statement provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Bank Statement uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% XXXX XXXX XXXXXX XXXXXXXXXXX - Income Business Bank Statements Missing in the file (XX/XX/XXXX and XX/XX/XXXX - XXXXX XXXX statement Missing in the file. -) Hence Income Less than Previous UW income ,hence DTI mismatching. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XX XXXXXX X-XX - XX-XX XXXXXXXX XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6377 |  |  | Closed | 2025-12-03 06:56 | 2025-12-08 16:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-XXXX Provided, Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-For borrower X XXXXXXXXX XXXXX, citizenship reflects as US citizen however EAD card and Form IXXX on pg XXX is in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX (XXXX_XX) - XXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6377 |  |  | Closed | 2025-11-14 02:09 | 2025-12-03 06:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Third Party Fraud Report is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6377 |  |  | Closed | 2025-11-25 04:12 | 2025-12-03 06:50 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. credit reduced on XX/XX LE - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit reduced on XX-XX LE - Buyer-XX/XX/XXXX <br>Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Lender Credits decreased from Initial le to Final CD, and there are no COC to cure the tolerance - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX-XX XXX.XXX_XXXXX_<br> XX-XX XXX.XXX_XXXXX_<br> XX-XX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6377 |  |  | Closed | 2025-11-14 03:24 | 2025-11-26 08:57 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-received the Intent to Proceed - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. For Primary Residence and Second Homes required Intent to Proceed which is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXX XXXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6377 |  |  | Closed | 2025-11-14 03:22 | 2025-11-25 04:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide the Initial CD, any related COC's, re-disclosed CD's and the Disclosure Tracking Summary. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6377 |  |  | Closed | 2025-11-14 03:22 | 2025-11-25 04:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Le Missing in file, provided the same, changes made in system, Finding Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Provide the Initial LE, any related COC's, re-disclosed LE's and the Disclosure Tracking Summary. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6377 |  |  | Closed | 2025-11-13 23:24 | 2025-11-24 23:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX document provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Initial XXXX is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9278 |  |  | Closed | 2025-11-19 10:20 | 2025-12-04 10:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-DOT with legal description provided in Findings: XXXXXXX_X.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XND MTG DOT WITH LEGAL - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Current DOT with Legal<br>Xst Lien DOT with Legal - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-Document Uploaded. Current DOT with Legal uploaded<br> Xst lien DOT with legal uploaded - Seller-XX/XX/XXXX <br>Escalated-Escalating for XX visibility - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-PLS WAIVE. XXX NO LONGER REQUIRES - Due Diligence Vendor-XX/XX/XXXX <br>Open-The DOT, p XXX, references an attached legal description however it is missing. - Due Diligence Vendor-XX/XX/XXXX | Escalated-Document Uploaded. Current DOT with Legal uploaded<br> Xst lien DOT with legal uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXXX: XXXXXXX_X.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXX XXXX XXX XXXX XXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXX XXXXXXX XXX XXXX XXXXX.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9278 |  |  | Closed | 2025-11-13 23:46 | 2025-12-02 16:00 | Resolved | 1 - Information C A | Compliance | State Reg | MO Prohibited Fees Second Lien Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-PLEASE ADVISE WHAT PROHIBITIVE FEES YOU ARE REFERRING TO. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the second lien prohibited fees test. (MRS § XXX.XXX X.)The loan has fees that are prohibited for this license type.<br> No charge other than permitted interest shall be directly or indirectly charged, contracted for or received in connection with any second mortgage loan, except as provided in MRS § XXX.XXX.Charges allowed are:Fees and charges prescribed by law actually and necessarily paid to public officials for perfecting, releasing, or satisfying a security interest related to the second mortgage loan;Taxes;Bona fide closing costs paid to third parties, which shall include: fees or premiums for title examination, title insurance, or similar purposes including survey; fees for preparation of a deed, settlement statement, or other documents; fees for notarizing deeds and other documents; appraisal fees; and fees for credit reports;Charges for insurance as described in §XXX.XXX X.;A nonrefundable origination fee not to exceed five percent of the principal which may be used by the lender to reduce the rate on a second mortgage loan;Any amounts paid to the lender by any person, corporation or entity, other than the borrower, to reduce the rate on a second mortgage loan or to assist the borrower in qualifying for the loan;For revolving loans, an annual fee not to exceed fifty dollars may be assessed.This means that fees are prohibited unless specifically allowed.Some fees may be considered prohibited compensation to other than third parties unless the "Compensation To" fields indicate otherwise. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9278 |  |  | Closed | 2025-11-13 22:33 | 2025-11-26 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-PROP RPT - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Document is missing The title document is missing. The Commitment provided on p XXX is incomplete as it does not reflect a date or insured amount and all pages are not present. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9278 |  |  | Closed | 2025-11-13 23:56 | 2025-11-24 15:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXX INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-XX/XX/XXXX <br>Open-XX approves exception. Comp Factors: XXX FICO, XxXX mtg XX mos. - Seller-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% Calculated DTI is XX.XX% whereas per guidelines dated XX/XX/XXXX Max DTI is XX%. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXX XXXXXXXXX XX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx9278 |  |  | Closed | 2025-11-15 18:56 | 2025-11-24 02:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit Report is not required as per guidelines hence resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-PLS WAIVE. XXX NO LONGER REQUIRES - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Borrower X Gap credit report is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXX XX XXX XXXXXXXX XX XXX XXXXXXXXXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9270 |  |  | Closed | 2025-11-14 07:06 | 2025-12-03 10:58 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-PCCD with corrected TOP provided and updated to review. TOP provided is within $XXX of TOP per review calculation. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-We were just notified by our document provider (XXXXXXXX) that the interest calculation used to produce the Closing Disclosure for this loan was not the calculation used by XXX's XXX. XXXXXXXXX incorrectly overroad the information sent and used a standard conventional mortgage loan calculation of XX/XXX instead of Actual/XXX that XXX's XXX sent over and per SC requirements. Please see the corrected CD and advise. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. This loan failed the TRID Total of Payments test because the disclosed amount ($XXX,XXX.XX) is understated by $XXX.XX compared to the actual total of payments ($XXX,XXX.XX). The variance exceeds the $XXX tolerance allowed under XX CFR §XXXX.XX(o)(X), and the reimbursement amount of $X.XX is insufficient to cure the inaccuracy - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXXXXX XXX XXXXXXXX XXX XXXXXXX XX XXXXXX. XXX XXXXXXXX XX XXXXXX $XXX XX XXX XXX XXXXXX XXXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9270 |  |  | Closed | 2025-12-02 18:28 | 2025-12-03 09:34 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9270 |  |  | Closed | 2025-12-02 18:28 | 2025-12-03 09:34 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(d)(X) , transferred from XX CFR §XXX.XX(d)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(d)(X) , transferred from XX CFR §XXX.XX(d)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9269 |  |  | Closed | 2025-11-14 09:14 | 2025-11-24 02:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit Report is not required as per guidelines hence resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-PLS WAIVE. XXX NO LONGER REQUIRES. TY - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXX XX XXX XXXXXXXX XX XXX XXXXXXXXXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7097 |  |  | Closed | 2025-11-19 11:25 | 2025-12-03 07:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement for Xst lien provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Missing Note or Mortgage for Xst lien. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXXX XXX XXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1360 |  |  | Closed | 2025-11-19 12:36 | 2025-11-23 10:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Updated lock program showing borrower approved with business bank statements. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached lock confirmation show business bank statement - Seller-XX/XX/XXXX <br>Open-Evidence of rate lock was provided however it indicates borrower was approved using full doc when business bank statements were used. Provide updated lock confirmation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached lock confirmation show business bank statement - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXX XXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1360 |  |  | Closed | 2025-11-14 08:03 | 2025-11-21 02:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. business formation doc attached shows XXXXX XXXXXXX and XXXX XXXXXXX - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. business formation doc attached shows XXXXX XXXXXXX and XXXX XXXXXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> XXXXXXXX.XXX_XXXXX_<br> XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1360 |  |  | Closed | 2025-11-14 08:03 | 2025-11-21 02:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. business formation doc attached shows XXXXX XXXXXXX and XXXX XXXXXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VOE self employed - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. business formation doc attached shows XXXXX XXXXXXX and XXXX XXXXXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VOE self employed - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXXXXXXX.XXX_XXXXX_<br> XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1360 |  |  | Closed | 2025-11-14 09:17 | 2025-11-19 12:25 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s missing, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX- XX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXXXXXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX- XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9276 |  |  | Closed | 2025-12-07 12:52 | 2025-12-07 13:16 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved-Updates made in XX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved due to updates in XX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXX XX XXXXXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9276 |  |  | Closed | 2025-11-17 20:06 | 2025-12-07 13:03 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Lender Fees Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CURE DOCS - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the lender fees test due to one of the following findings: (NC §XX-X.XA(e); NC XX-X(a), (g))The loan is a first lien closed end mortgage with a principal amount that is greater than or equal to $XX,XXX and the sum of all lender fees exceeds the greater of X.XX% of the principal amount or $XXX. Lender fees are all fees designated for the lender other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and interest; orThe loan is a first lien closed end mortgage made by a HUD approved lender and the sum of all lender fees exceeds the greater of X.XX% of the principal amount or $XXX. Lender fees are all fees designated for the lender other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and interest; orThe loan is a first lien closed end mortgage with a principal amount that is less than $XX,XXX and the loan charges a lender fee. (NC XX-X.XA(cX)); orThe loan is a first lien home equity line of credit, and the sum of all lender fees exceeds X% of the principal amount. (NC XX-X(a)); orThe loan is a second lien mortgage and is a "construction loan" as defined in NC General Statutes § XX-X(c) with more than two units, and the sum of all lender fees exceeds X% of the principal amount (NC XX-X(a),(g)); orThe loan is a second lien mortgage and is a "construction loan" as defined in NC General Statutes § XX-X (c) with one or two units, was not made by a HUD approved lender, and the sum of all lender fees exceeds X% of the principal amount (NC XX-X(a),(g)); orThe loan is a second lien mortgage and is not a "construction loan" as defined in NC General Statutes § XX-X (c), was not made by a HUD approved lender, and the sum of all lender fees exceeds X% of the principal amount. (NC XX-X(a)); orThe loan is a second lien mortgage and is not a "construction loan" as defined in NC General Statutes § XX-X (c), was made by a HUD approved lender, and the sum of all lender fees exceeds X% of the principal amount (NC XX-X(a)). This is state specific finding - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9276 |  |  | Closed | 2025-11-19 16:06 | 2025-12-03 07:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Documents for Xst lien provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-MTG STMT AND XST MTG DOT - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Note / DOT from Xst lien. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6098 |  |  | Closed | 2025-11-18 00:27 | 2025-11-26 03:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXXXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6098 |  |  | Closed | 2025-11-17 23:01 | 2025-11-26 01:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower Is Qualifying with Business Bank Statement income Xrd Party VOE is missing in file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX, XXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5347 |  |  | Closed | 2026-01-16 07:12 | 2026-01-16 07:25 | Resolved | 1 - Information C A | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XX CFR §XXXX.XX(f)(X)(v))The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | _XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5347 |  |  | Closed | 2025-12-03 07:27 | 2026-01-16 07:23 | Cured | 1 - Information C A | Compliance | State Reg | Vermont Mortgage Lender License Prohibited Fees Test | Cured-PCCD. refund check, Letter of explanation and proof of delivery provided with lender credit- cured - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. PCCD, LOE, copy of refund check and proof of delivery - Buyer-XX/XX/XXXX _xXXXX_<br> Counter-the listed fees in the condition are not permissible fees according XXXXXXXX Statue (X VSA §XX). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Seller response uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-This loan did not pass the VM prohibited fees test, out of tolerance by $XXXX.XX for the following fees:<br> XXXXXXXX Mortgage Lender License Prohibited Fees Test Inclusion<br> Administration Fee paid by Borrower: $XX.XX<br> Courier / Messenger Fee paid by Borrower: $XXX.XX<br> Document Preparation Fee paid by Borrower: $XX.XX<br> Loan Origination Fee paid by Borrower: $X,XXX.XX<br> Points - Loan Discount Fee paid by Borrower: $XX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Settlement or Closing Fee paid by Borrower: $XXX.XX<br> Tax Service Fee paid by Borrower: $XX.XX<br> Title Tax Search Fee paid by Borrower: $XX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX<br> Verification Of Employment Fee paid by Borrower: $XXX.XX<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Please clarify. What is needed to clear this condition? - Buyer-XX/XX/XXXX _xXXXX_<br> Open-This loan did not pass the prohibited fees test. (X VSA §XX)The XXXXXXXX statutes provide that only those fees expressly permitted may be charged.§ XX. Permitted charges(a)Except for interest as herein and hereinafter provided, a lender shall make no charges against a borrower for the use or forbearance of money other than:(X)the reasonable cost of credit investigation and appraisal fees;(X)the reasonable cost of title evidence, including abstracts, legal opinions, or title insurance;(X)the reasonable cost of protection against insurable hazards;(X)the reasonable cost of creditor life or disability insurance, or of a debt protection agreement as set forth in X V.S.A. § XXXXX, if agreed to by the borrower;(X)the filing and recording fees, and other official fees, including fees required by Federal Housing Agencies, the Federal Home Loan Mortgage Corporation, and the Federal National Mortgage Corporation;(X)the reasonable value of services rendered in connection with the making of any loan of $X,XXX.XX or less or any loan or loan commitment of any amount or manner of payment to finance an income producing business or activity subject to such rules as the Commissioner of Financial Regulation adopts;(X)the reasonable cost of private mortgage guaranty insurance subject to such limitation as the Commissioner of Financial Regulation has approved;(X)the reasonable fees associated with a credit card, agreed upon by the lender and borrower, including late charges and over-limit charges; and(X)discount points, at the request of the borrower for the purpose of reducing, and which in fact result in a bona fide reduction of, the interest rate or time-price differential applicable to the loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Seller response uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXX-XXXX. XXXXXX XXXXX, XXXXXX XX XXXXXXXXXXX XXX XXXXX XX XXXXXXXX XXXXXXXX XXXX XXXXXX XXXXXX- XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXX XXXX XXXXXXXXX X.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXX XX XXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXX XXX-XXXXX-XXXXX-XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5347 |  |  | Closed | 2025-12-03 07:27 | 2026-01-16 07:17 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Rescinded-Discount points and origination fee increased less than $X - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXXX XXXXXX XXX XXXXXXXXXXX XXX XXXXXXXXX XXXX XXXX $X - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5347 |  |  | Closed | 2026-01-16 07:12 | 2026-01-16 07:17 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5347 |  |  | Closed | 2025-11-18 01:17 | 2025-12-03 07:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. initial cd uploaded - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Final CD was attached, still missing initial Cd in file - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Initial CD uploaded for review. - Seller-XX/XX/XXXX _xXXXX_<br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. initial cd uploaded - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Initial CD uploaded for review. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXXXX XX.XXX_XXXXX_<br> XXXXXX - XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6795 |  |  | Closed | 2025-11-20 20:29 | 2025-12-29 16:51 | Resolved | 1 - Information C A | Compliance | State Reg | TX Administration Fee Test | Resolved-PCCD provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. PCCD uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. PCCD uploaded. - Buyer-XX/XX/XXXX _xXXXX_<br> Counter-PCCD to reflect which fees were refunded. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. I think there are some docs that got left out that should have been submitted before. I've just uploaded those docs: LOX, Copy of Check, Lender Refund Letter, PCCD and Check Tracker. Sorry for the confusion on this one. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-The final CD that was provided in the initial loan package reflecting the admin fee iao $XXX and the same compliance report reflecting tests pertaining to State Regulations Restricted Fees were not performed have been uploaded. Per XXXXX Finance Code §XXX.XXX(a)(X) and X TAC §X.XXX(b) A lender or a person assigned a secondary mortgage loan may not collect an administrative fee, in an amount not to exceed $XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please see CD and please scroll down to review compliance report as well. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Per review of the State Regulations Restricted Fees section on pg XX of the XX report provided, required tests pertaining to State Regulations Restricted Fees were not performed and no state license was selected for the loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Seller is rebutting condition with their compliance report run today that is showing loan passes all compliance tests. Please review with your compliance team/your compliance report and let us know why compliance is not passing on your end. - Seller-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the Regulated Loan License administration fee test.The loan charges an excessive administration fee. A lender or a person assigned a secondary mortgage loan may not collect an administrative fee, in an amount not to exceed $XX for a loan of more than $X,XXX or $XX for a loan of $X,XXX or less. XXXXX Finance Code §XXX.XXX(a)(X) and X TAC §X.XXX(b) Borrower was charged an admin fee iao $XXX. Per XXXXX Finance Code §XXX.XXX(a)(X) and X TAC §X.XXX(b) max allowed is $XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PCCD uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. I think there are some docs that got left out that should have been submitted before. I've just uploaded those docs: LOX, Copy of Check, Lender Refund Letter, PCCD and Check Tracker. Sorry for the confusion on this one. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please see CD and please scroll down to review compliance report as well. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Seller is rebutting condition with their compliance report run today that is showing loan passes all compliance tests. Please review with your compliance team/your compliance report and let us know why compliance is not passing on your end. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXXXXXXXXXX XXXX XXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXXXX XXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXXXX XXXXXX XXXXXX XX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXXXX XXXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXX XXXXXX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6795 |  |  | Closed | 2025-11-20 20:29 | 2025-12-29 16:50 | Resolved | 1 - Information C A | Compliance | State Reg | TX Prohibited Fees Test | Resolved-PCCD provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. PCCD uploaded - Seller-XX/XX/XXXX _xXXXX_<br> Counter-PCCD to reflect which fees were refunded. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. I think there are some docs that got left out that should have been submitted before. I've just uploaded those docs: LOX, Copy of Check, Lender Refund Letter, PCCD and Check Tracker. Sorry for the confusion on this one. - Buyer-XX/XX/XXXX _xXXXX_<br> Counter-The final CD that was provided in the initial loan package reflecting the restricted fees and the same compliance report reflecting tests pertaining to State Regulations Restricted Fees were not performed have been uploaded. Per XXXXX Finance Code §XXX.XXX(a)(X) and X TAC §X.XXX(b) these fees Document Preparation Fee paid by Borrower: $XXX.XX Electronic Recording Service Fee paid by Borrower: $XX.XX Processing Fee paid by Borrower: $XXX.XX Title Tax Search Fee paid by Borrower: $XX.XX Underwriting Fee paid by Borrower: $XXX.XX are prohibited. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. please see attached and scroll down to review compliance report as well - Buyer-XX/XX/XXXX _xXXXX_<br> Counter-Per review of the State Regulations Restricted Fees section on pg XX of the XX report provided, required tests pertaining to State Regulations Restricted Fees were not performed and No state license was selected for the loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Seller is rebutting condition with their compliance report run today that is showing loan passes all compliance tests. Please review with your compliance team/your compliance report and let us know why compliance is not passing on your end. - Buyer-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the Regulated Loan License prohibited fees test.The loan contains one or more prohibited fees.Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (X XX ADC §X.XXX)A secondary mortgage loan lender may collect the following:Reasonable fees for title examination and preparation of an abstract of title by an attorney who is not an employee of the lender; or a title company or property search company authorized to do business in the state;Premiums or fees for title insurance or title search;Reasonable fees charged to the lender by an attorney who is not a salaried employee of the lender for preparation of the loan documents if the fees are documented by a statement of serviced rendered;Charges prescribed by law that are paid to public officials for determining the existence of and for perfecting, releasing, or satisfying a security interest;Reasonable appraisal fees by an appraiser who is not a salaried employee of the lender;Reasonable cost of a credit report;Reasonable fees for a survey by a registered surveyor who is not a salaried employee of the lender;Premiums received in connection with the sale of credit life insurance, credit accident and health insurance, or other insurance that protects the lender against default;Reasonable fees incurred to comply with a federally mandated program (like a flood zone determination fee) where participation is required by a federal agency;Premiums for property insurance;An administrative fee.(XX Finance Code §XXX.XXX, X XX ADC §X.XXX) This loan failed the Regulated Loan License prohibited fees test because this loan contains one or more prohibited fees not otherwise permitted by law and may not be charged or collected in a secondary mortgage loan transaction.<br>Document Preparation Fee paid by Borrower: $XXX.XX<br> Electronic Recording Service Fee paid by Borrower: $XX.XX<br> Processing Fee paid by Borrower: $XXX.XX<br> Title Tax Search Fee paid by Borrower: $XX.XX<br> Underwriting Fee paid by Borrower: $XXX.XX<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PCCD uploaded - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXXXXXXXXXXXX XXXX XXXXX.XXX_XXXXX_<br> XXXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXXXX XXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXXXX XXXXXX XXXXXX XX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXXXX XXXXX XXXXXXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6795 |  |  | Closed | 2025-11-20 20:29 | 2025-12-29 16:49 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are me.TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX. Rate lock date was entered correctly see Pg#'XXX An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#'XX, XX-XX the appraisal disclosure was provided to the borrower(s) Pg# XXX, XXX and copy of the appraisal was given to the borrower see Pg XXX, XXXfor the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XX.XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX, XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XX# XXX, XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX XXX, XXXXXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2125 |  |  | Closed | 2025-11-20 05:22 | 2025-11-24 13:23 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Initial XXXX signed by LO, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Loan originator date and signature is missing on Initial XXXX pg#XXX, XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXX XXXXXX XX XX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5486 |  |  | Closed | 2025-11-22 01:06 | 2025-11-26 01:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower qualifying with XX months bank statements, as per guidelines X.X.X we need VOE with in XX business days of closing but VOE is missing in file - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7203 |  |  | Closed | 2025-11-23 04:07 | 2025-11-27 02:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Resolved. Lender provided initial signed XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Originator signature is missing on Initial XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX. XXXXXX XXXXXXXX XXXXXXX XXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7203 |  |  | Closed | 2025-11-23 07:17 | 2025-11-24 12:31 | Waived | 2 - Non-Material B | Compliance | State Reg | NJ Prohibited Fees Test | Waived-This loan failed the prohibited fees test.<br> (N.J.S.A. §XX:XXC-XX, N.J.A.C. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. The NJ Prohibited Fees Statute does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXX XXXX XXXXXX XXX XXXXXXXXXX XXXX XXXX.<br> (X.X.X.X. §XX:XXX-XX, X.X.X.X. §§X:XX-X.X)XXX XXXX XXXX XXXXXX XXX(X) XXX XXXXXXXX XXX XX XXXX XXX, XXXXX XX XXXXXXXXXX.X XXXXXXXXX XXXXXX XXXXX XXX XXXXXXXX XXX X XXXXXX'X XX XXXXXX'X XXX; XXXXXXXXXX; XXXXXXX; XXXX; XXXXXXX; XXXXXXX; XX XXX XXXXX XXXXX XX XXXXX XXXXX XXXX XXX XXXXXXX XXXXXXXXXX XX XXXX XXX.X XXXXXXXXX XXXXXX XXXXX XXXX XXXXXXXXX XX XXXXXXX XXXX XXX XXXXXXXXX:(X) XX XXXX XXXX XXXXX XXXXXXXX XXXXXX;(X) XXXXXXXXXX XXXXXXXX XXXX XX XXX XXXX XXX XXXXXXXXX XX XXX XXXX;(X) XXXXX XXXXXXXXXXX, XXXXXXXX XX XXXXX, XXXXXX, XXX XXXXX XXXXXXXXX;(X) XXXXXX XXXXXX XXX;(X) XXXXXXXXX XXX;(X) XXXXXXXXX XXXX;(X) XXXXXXXXXXX XXX;(X) XXXXXXXX XXXXX XXX XXX XX XXXXXX $XX, X XXXX XXXXXX XXX XX XXXXXX X% XX XXX XXXX XXXXXXX, XXX(X) XX XXXX-XXX XXXXX, XXX XXXXXX XX XX XXXXXX XXX XX $XX XX X% XX XXX XXXX XX XXXXXX. XXX XX XXXXXXXXXX XXXX XXXXXXX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx5050 |  |  | Closed | 2025-11-25 13:19 | 2025-12-02 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-VOE dated post close XX/XX/XX provided verifies borrower X is still active at current employer XXXXXXXX XXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Verbal Verification of Employment (VVOE) completed within XX business days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXX XXXXX XX/XX/XX XXXXXXXX XXXXXXXX XXXXXXXX X XX XXXXX XXXXXX XX XXXXXXX XXXXXXXX XXXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXX XXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5050 |  |  | Closed | 2025-11-22 22:08 | 2025-11-22 22:21 | Resolved | 1 - Information A | Compliance | Points & Fees | OK HOEPA Higher-Priced Mortgage Loan Test | Resolved-This loan failed the OK 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 Oklahoma Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report.While the Oklahoma HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX, An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'sXXXThe loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XXXXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXXX. XXX XXXX XXXXXXXXXXX XXXXXX XXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXX XXXXXXX XX XXX XXXX XXXXXXXXXXXXXXXXXX XXXXXX.XXXXX XXX XXXXXXXX XXXXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX X, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX# XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XXXXXXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5050 |  |  | Closed | 2025-11-22 22:08 | 2025-11-22 22:21 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX, An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'sXXXThe loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX X, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX# XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XXXXXXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7572 |  |  | Closed | 2025-11-24 03:25 | 2025-12-01 13:01 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC and Revised CD provided. Re-ran Compliance. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX XXX §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The COC for the increase in discount points from the Initial Closing Disclosure of $X,XXX to the Final CD of $X,XXX is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXX XXXXXXX XX XXXXXXXX. XX-XXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XXX-XXXXXXX (XX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7572 |  |  | Closed | 2025-11-26 11:28 | 2025-12-01 13:01 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC and Revised CD provided. Re-ran Compliance. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The COC for the increase in discount points from the Initial Closing Disclosure of $X,XXX to the Final CD of $X,XXX is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXX XXXXXXX XX XXXXXXXX. XX-XXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XXX-XXXXXXX (XX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7572 |  |  | Closed | 2025-11-26 11:28 | 2025-12-01 13:01 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC and Revised CD provided. Re-ran Compliance. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. The COC for the increase in discount points from the Initial Closing Disclosure of $X,XXX to the Final CD of $X,XXX is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXX XXXXXXX XX XXXXXXXX. XX-XXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XXX-XXXXXXX (XX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8503 |  |  | Closed | 2025-11-21 06:46 | 2025-12-03 04:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The property "XXX XXXXXX XXXXX" was just purchased along when they closed this loan which reflects the current address as "XXXX XXXXXXXX XXXX XXXX", Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The property "XXX XXXXXX XXXXX" was just purchased along when they closed this loan which reflects the current address as "XXXX XXXXXXXX XXXX XXXX", Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-The XXXX is correct the way it is because XXX XXXXXX XXXXX was the property they just purchased along when they closed this loan. please clear - XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Borrower current address reflects as "XXXX XXXXXXXX XXXX XXXX" whereas the REO section reflects the primary residence as "XX XXXXXX XXXXX". Provide revised Final XXXXs with corrected current address. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-The XXXX is correct the way it is because XXX XXXXXX XXXXX was the property they just purchased along when they closed this loan. please clear - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX "XXX XXXXXX XXXXX" XXX XXXX XXXXXXXXX XXXXX XXXX XXXX XXXXXX XXXX XXXX XXXXX XXXXXXXX XXX XXXXXXX XXXXXXX XX "XXXX XXXXXXXX XXXX XXXX", XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXX "XXX XXXXXX XXXXX" XXX XXXX XXXXXXXXX XXXXX XXXX XXXX XXXXXX XXXX XXXX XXXXX XXXXXXXX XXX XXXXXXX XXXXXXX XX "XXXX XXXXXXXX XXXX XXXX", XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8503 |  |  | Closed | 2025-11-21 08:01 | 2025-12-02 01:40 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see XXXX attached with corrected FICO. Ty - XXXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. GL dated X/X/XXXX page #X states the qualifying credit score is the decision score of the primary wage earner. Provide a revised XXXX with the updated score. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. please see XXXX attached with corrected FICO. Ty - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXXXX XXXX XX XXX XXXX XXXXXXX XXX XXXXXXXXXX XXXX XXXX XXX XXXXXX XXXXXXXXXXX, XXXXXXXX - XXXXXXXX <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6398 |  |  | Closed | 2025-11-25 00:10 | 2025-12-23 15:40 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Disclosed APR High-Cost Threshold Exception Test | Waived-XX Acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-As mentioned in the original commentary - providing the undiscounted rate typically cures the condition. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-what is need to get this condition cleared? - Seller-XX/XX/XXXX <br>Open-This loan failed the disclosed APR high-cost threshold exception test.Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan would fail the following "high-cost " APR threshold test(s): CA Covered Loan APR Threshold Test. As a result, this loan may not be acceptable to certain secondary market investors. Provide the undiscounted rate. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-what is need to get this condition cleared? - Seller-XX/XX/XXXX<br>| XXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx6398 |  |  | Closed | 2025-12-16 11:27 | 2025-12-18 10:28 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6398 |  |  | Closed | 2025-11-25 00:10 | 2025-12-23 15:41 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX & XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX & XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6398 |  |  | Closed | 2025-11-25 00:10 | 2025-12-23 15:40 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX & XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX & XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6989 |  |  | Closed | 2025-11-24 23:39 | 2025-12-03 02:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX, XXXXXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7411 |  |  | Closed | 2025-11-25 04:43 | 2025-12-17 03:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-WX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X WX/XXXX Missing Confirmed borrower income qualified with wage earner however WX is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5876 |  |  | Closed | 2025-11-26 04:42 | 2025-12-03 19:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD provided and updated to TRID Header page, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD uploaded for review. - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Missing Final CD - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XX XXXXXXXX XXX XXXXXXX XX XXXX XXXXXX XXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX XXXXX XX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5876 |  |  | Closed | 2025-11-26 01:26 | 2025-12-03 19:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Final XXXX updated to XXXX page. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX uploaded. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Missing Missing final XXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXXXX XXXX XXXXXXX XX XXXX XXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX XXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5873 |  |  | Closed | 2025-11-27 00:33 | 2026-01-12 14:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI is XX.XX where maximum allowed is XX%. Used bank statement income provided in the amount of $XXX,XXX.as rental income was not used - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI Exceeds Guideline DTI According to the matrices, the maximum allowed DTI for a refinance loan is XX%. The audited DTI is XX.XX%, which exceeds the guideline limit. - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ |  |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5091 |  |  | Closed | 2025-11-26 05:07 | 2025-12-09 12:30 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Lender provided PC CD showing updated fees paid at closing. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please waive conditions don't apply. - Seller-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please waive conditions don't apply. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XX XX XXXXXXX XXXXXXX XXXX XXXX XX XXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX.XXX_XXXXX_<br> XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5091 |  |  | Closed | 2025-11-26 05:07 | 2025-12-09 12:30 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Lender provided PC CD showing updated fees paid at closing. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please waive conditions don't apply. - Seller-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please waive conditions don't apply. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XX XX XXXXXXX XXXXXXX XXXX XXXX XX XXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX.XXX_XXXXX_<br> XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5091 |  |  | Closed | 2025-11-26 05:07 | 2025-12-09 12:30 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Lender provided PC CD showing updated fees paid at closing. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please waive conditions don't apply. - Buyer-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XX XX XXXXXXX XXXXXXX XXXX XXXX XX XXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXX XXXXXX.XXX_XXXXX_<br> XX XXXX XXXXXX.XXX_XXXXX_<br> XXXX XXXXX XXXXXXX.XXX_XXXXX_<br> XXXX XXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5091 |  |  | Closed | 2025-11-26 05:07 | 2025-12-09 12:08 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Lender provided PC CD showing updated prepaid interest. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please waive conditions don't apply. - Seller-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please waive conditions don't apply. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XX XX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXX_XXXXX_<br> XXXXXX.XXX_XXXXX_<br> XXXX XXXXX XXXXXXX.XXX_XXXXX_<br> XXXX XXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7064 |  |  | Closed | 2025-12-03 13:31 | 2025-12-04 07:22 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Lender provided updated XXXX w/ correct qualifying FICO score. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached. - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on XXXX does not match Qualifying FICO per XXXXXXXXXX. Please confirm the correct Qualifying FICO. The XXXX did not have a FICO score. The qualifying score was XXX. Provide updated XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXX X/ XXXXXXX XXXXXXXXXX XXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6884 |  |  | Closed | 2025-11-26 04:00 | 2025-12-07 14:12 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO is XXX however the FICO per XXXX is XXX. Provide updated XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. System considered BX FICO whereas in XXXX considered BX FICO<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXXXXX XXXX XX XXX XXXX XXXX XX 'XXX' XX XXXXX, XXX XXX XXXXXXXXXX XXXX XXXX XXX XXXXXX XXXXXXXXXXX XXXX XX 'XXX' XX XXXXX. XXXXXXXXXX XXXX XXXXXXX XX XXX XXXXX. XXXXXX XXXXXXX XXX XXXXXXX XXXXXXXXXX XXXX XXXXX. XXXXXX XXXXXXXXXX XX XXXX XXXXXXX XX XXXX XXXXXXXXXX XX XXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6491 |  |  | Closed | 2025-11-27 01:32 | 2025-12-31 03:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing Flood Certificate Flood Certificate is missing in file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX - XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6491 |  |  | Closed | 2025-11-27 01:58 | 2025-11-27 05:45 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XXX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XXX-XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6345 |  |  | Closed | 2025-12-03 11:47 | 2025-12-12 17:13 | Waived | 2 - Non-Material C B | Credit | Credit | Deficient Income Documentation | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Document Uploaded. - Buyer-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception. Income on the Xst X personal statements is being calculated same as business bank statements. Comp Factors: XX mos reserves<br> XX% DTI<br> $XXXX residual <br> XX% CLTV<br> - Buyer-XX/XX/XXXX <br>Counter-Thank you for the information. An Exception is required. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller rebuttal, LOX and Inc WS uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Bank statements used were a combination of business bank statements and personal bank statements. Business bank statements covered the period of X/XX - X/XX. There were personal bank statements from XX/XX - X/XX. XXXXXXXXXX state that a combination of personal bank business statements is not allowed. The file did not contain an Exception form. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXXX XXXXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXX XXXXXX XX XXXXXXXXX XXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXX XXXXXX XXXXXX XXXXXXXXXXX XXXXXXXXX (X).XXX_XXXXX_<br> XXXXXXXXXX_XXXXXX XXXXXX XXXXXXXXXXXX XXXXXXXXX XXXXXXX (XXXX).XXX |  | XX XXXXXX XXXXXXXX <br> XX% XXX, XXX XX XX%<br> $XXXX XXXXXXXX, XXX XX $X,XXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx4550 |  |  | Closed | 2025-12-09 01:10 | 2026-03-03 16:29 | Resolved | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Service provider list - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX XXX XX.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4550 |  |  | Closed | 2025-12-09 01:10 | 2026-03-03 16:28 | Resolved | 2 - Non-Material C B | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LEs and CDs attached-please be specific what is needed here. - Buyer-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXX XXXX XXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4550 |  |  | Closed | 2025-12-09 01:10 | 2026-03-03 16:28 | Resolved | 2 - Non-Material A B | Compliance | ComplianceEase | Initial Loan Estimate Delivery Date Test (prior to consummation) | Resolved- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-According to the XXXX provided, the loan application date was X/XX/XXXX. We have not received an LE dated w/in X business days of the application date. The earliest LE is dated XX/XX/XXXX. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. LEs and CDs attached-please be specific what is needed here. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the initial loan estimate delivery date test (prior to consummation) due to one of the following: (XX CFR §XXXX.XX(e)(X)(iii)(B))The initial loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orThe initial loan estimate delivery date is on or after consummation of the transaction.Therefore, if additional disclosures are entered into XXXXXXXXXXXXXXXX, 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 $X, regardless of the actual values on the disclosure.The creditor shall deliver or place in the mail the disclosures required under §XXXX.XX(e)(X)(e)(X)(i) (provision of loan estimate form) not later than the seventh business day before consummation of the transaction. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXX XXXX XXX XX.XXX_XXXXX_<br> XX XXXX X XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4550 |  |  | Closed | 2025-12-09 01:10 | 2026-03-03 16:27 | Resolved | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Counter-Change of Circumstance for increase in title fees was not provided. Service Provider list not provided. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-LEs and CDs attached-please be specific what is needed here. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX XXX XX.XXX_XXXXX_<br> XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4550 |  |  | Closed | 2025-12-09 01:10 | 2026-03-03 16:27 | Resolved | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC provided. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Resolved-Resolved - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see service provider list - Buyer-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Counter-A change of circumstance was not provided for an increase in Title Fees. Fees increased on the following: Title Insurance, Settlement Fee, multiple Search Fees, Title Examination Fee, Notice of Settlement, Notary fee, Email Fee, Overnight charges. A Service Provider List has not been uploaded. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX XXX XX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4550 |  |  | Closed | 2025-12-09 01:10 | 2026-01-12 16:45 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML requirements have been met and an interior appraisal was performed. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Resolved-HPML requirements have been met and an interior appraisal was performed. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Resolved-HPML meets requirements and an interior appraisal was performed. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Resolved-HPML requirements have been met and an interior appraisal was performed. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Resolved-HPML requirements have been met and an interior appraisal was performed. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Resolved-HPML requirements have been met and an interior appraisal was performed. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-We can have a higher priced mortgage loan - Buyer-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXX XXXXXXXXXXXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4550 |  |  | Closed | 2025-12-09 01:10 | 2026-01-12 10:41 | Waived | 2 - Non-Material C B | Compliance | State Reg | NJ Prohibited Fees Test | Waived-The XX Prohibited Fees Statute does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected.<br>- Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Resolved-Resolved - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Seller does not agree. Please have compliance re-run fees and escalate. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the prohibited fees test.<br> (X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXX XX XXXXXXXXXX XXXX XXXXXXX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX.<br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx4550 |  |  | Closed | 2025-12-09 01:10 | 2026-01-12 07:36 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Service provider list - Buyer-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXX XXXX XXX XX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4550 |  |  | Closed | 2025-12-09 01:10 | 2026-01-06 11:40 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-An LE dated w/in X business days of the application date of X/XX/XXXX is required. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. LEs and CDs attached-please be specific what is needed here. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR §XXXX.XX(e)(X)(iii)(A))The 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.Therefore, if additional disclosures are entered into XXXXXXXXXXXXXXXX, 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 $X, regardless of the actual values on the disclosure.This 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 §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(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 Labor Day (XX/XX/XXXX)As 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, XXXXXXXXXXXXXXXX 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.The creditor shall deliver or place in the mail the disclosures required under §XXXX.XX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXX XXXX XXX XX.XXX_XXXXX_<br> XX XXXX X XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4550 |  |  | Closed | 2025-12-09 01:10 | 2026-01-06 11:40 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Counter-Service Provider List was not uploaded. A Service Provider List dated w/in X business days of application is required. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (XX CFR §XXXX.XX(e)(X)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)This 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 §XXXX.XX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXX.X(a)(X)(vi) (which references the timing requirements for the 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:NoneAs not being open on PLEASE 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, XXXXXXXXXXXXXXXX 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.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXX.XX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXX.XX(e)(X)(e)(X)(iii). - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Open- - Xue Xiligence Xendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXX XXXX XXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4550 |  |  | Closed | 2025-11-29 00:20 | 2025-12-09 01:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Closing Disclosure Initial CD is missing in file, hence Compliance not tested - Xue Xiligence Xendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6337 |  |  | Closed | 2025-12-03 13:36 | 2025-12-16 16:51 | Resolved | 1 - Information B A | Credit | Credit | Hazard Insurance Declaration Page Does Not Show Proper Lender Payable Endorsement | Resolved-Updated insurance provided listing Xst and Xnd lienholders. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXD_<br> Counter-The hazard insurances in the file contain lienholder for XXXXXX'X XXXXXXXX listed as Xst lienholder. The subject Xnd lienholder is XXXXXX'X XXXXXXXX. We are missing the lienholder information for the Xst lien with XXXXXXXX as we need both on file. - Xue Xiligence Xendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX _xXXXD_<br> Open-Hazard Insurance Declaration Page does not show proper Lender Payable Endorsement Missing Xnd Mortgagee on Hazard Insurance. - Xue Xiligence Xendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XXX XXX XXX XXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXX.XXX_XXXXX_<br> XXXXXX XXXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6337 |  |  | Closed | 2025-12-03 13:08 | 2025-12-16 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Post close VOE dated XX/XX/XX provided, business is active. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Counter-VOE's provided dated XX/XX/XX, XX business days from this date is XX/XX/XXXX. The loan closed on XX/XX/XXXX. Provide VOE within XX days of closing date. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXX XXX XXXXX XX/XX/XX XXXXXXXX, XXXXXXXX XX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX _ XXXXXXXXXX XXXXXXXXX XX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6337 |  |  | Closed | 2025-11-28 04:25 | 2025-12-08 09:14 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-The Final CD provided XX/XX/XX as the disbursement date. This satisfies the right of recession cancel date XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Right to cancel date are XX/XX/XXXX and XX/XX/XXXX , and disbursement date is XX/XX/XXXX. The right of rescission was signed on XX/XX/XXXX and the right of rescission end date is XX/XX/XXXX. The Final CD shows it was funded on XX/XX/XXXX when it should've been funded on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX XX XXXXXXXX XX/XX/XX XX XXX XXXXXXXXXXXX XXXX. XXXX XXXXXXXXX XXX XXXXX XX XXXXXXXXX XXXXXX XXXX XX/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX XXXX XXXX XX XX-XX.XXX_XXXXX_<br> XXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7844 |  |  | Closed | 2025-12-04 19:36 | 2025-12-10 10:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Lender provided updated DOT confirming loan is not balloon. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-There is no balloon payment - Buyer-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete DOT is marked as balloon rider is to be included with DOT however per Final CD in file, loan is not a balloon loan. Provide Balloon Rider and updated docs confirming loan is balloon or provide updated DOT. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXX XXXXXXXXXX XXXX XX XXX XXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7844 |  |  | Closed | 2025-12-04 19:21 | 2025-12-10 10:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-Lender provided updated DOT confirming loan is not a balloon loan. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Balloon rider is not checked - Buyer-XX/XX/XXXX <br>Open-DOT is marked as balloon rider is to be included with DOT however per Final CD in file, loan is not a balloon loan. Provide Balloon Rider and updated docs confirming loan is balloon or provide updated DOT. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXX XXXXXXXXXX XXXX XX XXX X XXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX - XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7844 |  |  | Closed | 2025-11-28 08:59 | 2025-11-28 09:03 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX." - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7844 |  |  | Closed | 2025-11-28 08:58 | 2025-11-28 09:03 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX." <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9773 |  |  | Closed | 2025-11-28 00:49 | 2025-12-04 06:51 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Confirmation the appraisal was delivered to the borrower uploaded. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Provide Borrower certification of Appraisal delivery document which is missing from loan file.<br> This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX-XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower is missing.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9773 |  |  | Closed | 2025-11-28 00:49 | 2025-12-04 06:51 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Confirmation the appraisal was delivered to the borrower uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Provide Borrower certification of Appraisal delivery document which is missing from loan file.<br> This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX-XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower is missing.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7645 |  |  | Closed | 2025-11-28 07:26 | 2025-11-28 07:38 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _XX___ and the Final Closing disclosure on Pg#'s _XX___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __XXX___ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__XX_ , and copy of the appraisal was given to the borrower – see Pg#'s __XX___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X _XX___ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X _XX___ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X __XXX___ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX _XX___ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X__XX_ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X __XX___ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7645 |  |  | Closed | 2025-11-28 07:26 | 2025-11-28 07:38 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _XX___ and the Final Closing disclosure on Pg#'s _XX___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __XXX___ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__XX_ , and copy of the appraisal was given to the borrower – see Pg#'s __XX___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X _XX___ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X _XX___ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X __XXX___ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX _XX___ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X__XX_ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X __XX___ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7696 |  |  | Closed | 2025-11-28 07:08 | 2025-12-12 00:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested income calculator with correct income provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender worksheet is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXX XXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2688 |  |  | Closed | 2025-11-27 22:47 | 2025-12-17 02:13 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested gap credit report that is within the XX business days from closing provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). BX Gap Credit Report is Expired - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXXXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2688 |  |  | Closed | 2025-11-27 22:47 | 2025-12-17 02:13 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested gap credit report that is within the XX business days from closing provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). BX Gap Credit Report is Expired - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXX XXXXXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8293 |  |  | Closed | 2025-12-01 03:13 | 2025-12-04 15:29 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx7638 |  |  | Closed | 2025-12-17 10:22 | 2025-12-17 11:21 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test | Resolved-Updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7638 |  |  | Closed | 2025-11-30 20:49 | 2025-12-17 11:09 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-The Closing protection letter fee $XX was combined with Closing Fee $XXX= $XXX. Updated line items, separated fees. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The closing protection letter fee is $XX on the final and initial closing disclosure. Please see attached final closing disclosure and a screen shot highlighting that fee amount. After review of the compliance report already uploaded it also validates that fee is $XX. Please advise. - Seller-XX/XX/XXXX <br>Counter-The closing protection letter fee went from $XX to $XXX. Missing Change in Circumstance disclosure. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller states: "Not seeing we need a cure! please advise, I uploaded the good faith" - Seller-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). Missing Change in Circumstance disclosure. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The closing protection letter fee is $XX on the final and initial closing disclosure. Please see attached final closing disclosure and a screen shot highlighting that fee amount. After review of the compliance report already uploaded it also validates that fee is $XX. Please advise. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller states: "Not seeing we need a cure! please advise, I uploaded the good faith" - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXX XXXXXXXXXX XXXXXX XXX $XX XXX XXXXXXXX XXXX XXXXXXX XXX $XXX= $XXX. XXXXXXX XXXX XXXXX, XXXXXXXXX XXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX-XXXX.XXX_XXXXX_<br> XXXXXXXXXX-XXXX.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX_XXXXX_<br> XXXX XXXXXXX - XXXXXXXX XXXXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7638 |  |  | Closed | 2025-12-10 08:34 | 2025-12-17 10:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please waive this condition. The closing protection letter fee did not go up. - Seller-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please waive this condition. The closing protection letter fee did not go up. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX - XXXXXXXX XXXXXXX XXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7638 |  |  | Closed | 2025-12-01 03:28 | 2025-12-10 08:35 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller states "Not seeing we need a cure! please advise, I uploaded the good faith" - Buyer-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Missing Change in Circumstance disclosure. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX-XXXX.XXX_XXXXX_<br> XXXXXXXXXX-XXXX.XXX_XXXXX_<br> XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8701 |  |  | Closed | 2025-11-30 23:52 | 2025-12-17 08:39 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Lender provided fully executed Initial XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Counter-Fully executed initial XXXX is missing from file, document requested was incorrect. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Loan Originator signature is missing on Initial LE. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXX - XXXXXX.XXX_XXXXX_<br> XXXXX XXXXX XXXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8701 |  |  | Closed | 2025-12-01 03:02 | 2025-12-10 02:25 | Resolved | 1 - Information C A | Property | Data | Property State does not meet eligibility requirement(s) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Property State does not meet eligibility requirement(s) Per XX Correspondent Equity Matrix, XX state is Ineligible for Primary and Secondary, but Property is Investment which is eligible per matrix - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. review upload - Buyer-XX/XX/XXXX <br>Open-Property State does not meet eligibility requirement(s) As per Matrix XX/XX/XXXX XX is Ineligible States. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXX XXXX XXX XXXX XXXXXXXXXXX XXXXXXXXXXX(X) XXX XX XXXXXXXXXXXXX XXXXXX XXXXXX, XX XXXXX XX XXXXXXXXXX XXX XXXXXXX XXX XXXXXXXXX, XXX XXXXXXXX XX XXXXXXXXXX XXXXX XX XXXXXXXX XXX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX - XX XXXX XXXXXXXXXX XX.XX.XXXX XXXXX.XXX_XXXXX_<br> XXXXXXX - XX XXXX XXXXXXXXXX XX.XX.XXXX XXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9495 |  |  | Closed | 2025-12-01 03:25 | 2025-12-15 02:42 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UPDATED XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX provided does not match the Qualifying FICO updated per lender guidelines. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXXXX XXXX XX XXX XXXX XXXXXXX XXX XXXXXXXXXX XXXX XXXX XXX XXXXXX XXXXXXXXXXX, XXXXXXXX - XXXXXXXX <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9495 |  |  | Closed | 2025-12-05 17:15 | 2025-12-08 18:44 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-HUNTER HOC - Due Diligence Vendor-XX/XX/XXXX <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9495 |  |  | Closed | 2025-12-01 02:14 | 2025-12-08 18:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-PROP RPT - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Document is missing Missing evidence of title. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6225 |  |  | Closed | 2025-12-06 17:48 | 2026-01-07 09:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD with correct P&I payment provided. PC CE is elevated, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD attached - Buyer-XX/XX/XXXX <br>Counter-Corrected note was updated to the note page. Final CD has the incorrect P&I payment amount. Provide PCCD with corrected P&I payment. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. correct note attached - Buyer-XX/XX/XXXX <br>Counter-Monthly P&I payment on Note provided is $X,XXX.XX. Per audit monthly P&I payment should be $XXXX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Note uploaded - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Per Note Monthly Principal & Interest payment is $X,XXX.XX. Monthly Principal & Interest payment on final CD provided is $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXXX X&X XXXXXXX XXXXXXXX. XX XX XX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXX XXXX XX XXX XX $XXXX_XX.XXX_XXXXX_<br> XXXXXXX XXXX XXXX XXXXX XXXXXXXX.XXX_XXXXX_<br> XXXX XXXX XX XXX XX $XXXX.XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6225 |  |  | Closed | 2025-12-12 15:37 | 2026-01-04 15:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded note with correct payment - Buyer-XX/XX/XXXX <br>Open-The Note is Missing Monthly P&I payment on Note provided is $X,XXX.XX. Per audit monthly P&I payment should be $XXXX.XX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX XXXX XXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7217 |  |  | Closed | 2025-12-02 00:42 | 2025-12-10 03:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-The Initial XXXX is Missing in file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7217 |  |  | Closed | 2025-12-08 09:30 | 2025-12-09 07:24 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX provided with FICO of XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on XXXX does not match Qualifying FICO per Guidelines. Please confirm the correct Qualifying FICO. XXXX did not contain a FICO score. Provide updated XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXX XXXX XX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7217 |  |  | Closed | 2025-12-02 04:20 | 2025-12-02 05:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are me.TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, confirmed from the Final Closing disclosure on Pg#XXX. Rate lock date was entered correctly see Pg#'s XXX An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX, XX-XX the appraisal disclosure was provided to the borrower(s) Pg# XX, XXX, XXX and copy of the appraisal was given to the borrower see Pg XX, XXX, XXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XX.XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXXXXX XXXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX, XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XX# XX, XXX, XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX XX, XXX, XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7217 |  |  | Closed | 2025-12-02 04:20 | 2025-12-02 05:34 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are me.TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, confirmed from the Final Closing disclosure on Pg#XXX. Rate lock date was entered correctly see Pg#'s XXX An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX, XX-XX the appraisal disclosure was provided to the borrower(s) Pg# XX, XXX, XXX and copy of the appraisal was given to the borrower see Pg XX, XXX, XXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XX.XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXXXXX XXXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX, XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XX# XX, XXX, XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX XX, XXX, XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8420 |  |  | Closed | 2025-12-02 02:24 | 2025-12-10 07:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Xrd Party VOE is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing VOE within XX Business Days Missing in File - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8420 |  |  | Closed | 2025-12-06 09:54 | 2025-12-10 07:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing VOE within XX Business Days Missing in File - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8420 |  |  | Closed | 2025-12-02 02:54 | 2025-12-10 02:15 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mismatch from XXXX to Credit report, Provided updated XXXX, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. credit score is XXX see updated XXXX - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Audited FICO as per Latest Credit Report on Page No XX is XXX Whereas XXXX Reflects FICO as XXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXX XXXX XX XXXXXX XXXXXX, XXXXXXXX XXXXXXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9492 |  |  | Closed | 2025-12-02 02:19 | 2025-12-23 16:26 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-XX Acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors: XX mos reserves, XXX FICO, XxXX mtg history - Buyer-XX/XX/XXXX <br>Escalated-Escalating For XX Visibility - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Internal exception provided by lender. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-AFC INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI Exceeds Guideline DTI Audited DTI of XX.XX% exceeds Guideline DTI of XX%<br>- Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXXX XXX XXXXXXXXX XXXXXXX XXX<br> XXXX XX.XX XXXX XXXXXXX XX<br> XX XXXXXX XXXXXXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx5712 |  |  | Closed | 2025-12-02 02:56 | 2025-12-08 17:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-CIC form provided and updated to TRID header page. XX is minimal. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC attached - Seller-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). This loan failed the charges that cannot increase test due to the points fee added to the revised LE dated XX/XX/XX without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Provide COC, or to cure upload refund check, PCCD, LOE, and shipping envelope.<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COC attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XXXXXXXX XXX XXXXXXX XX XXXX XXXXXX XXXX. XX XX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5712 |  |  | Closed | 2025-12-02 02:56 | 2025-12-08 17:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-CIC form provided and updated to TRID header page. XX is minimal. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC attached - Buyer-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. This loan failed the reimbursement amount validation test due to the points fee added to the revised LE dated XX/XX/XX without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Provide COC, or to cure upload refund check, PCCD, LOE, and shipping envelope.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX XXX XXXXXXX XX XXXX XXXXXX XXXX. XX XX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5712 |  |  | Closed | 2025-12-02 02:56 | 2025-12-08 17:49 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-CIC form provided and updated to TRID header page. XX is minimal. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC attached - Buyer-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test due to the points fee added to the revised LE dated XX/XX/XX without a valid Change of Circumstance Form. There is no evidence of reimbursement in file. Provide COC, or to cure upload refund check, PCCD, LOE, and shipping envelope.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX XXX XXXXXXX XX XXXX XXXXXX XXXX. XX XX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4424 |  |  | Closed | 2025-12-11 09:26 | 2025-12-17 09:58 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Open-After receiving the initial CD, we need the COC dated XX/XX/XX showing the increase in discount points ($XXX.) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX XXXXXXXXXXXXX - XXXXXX (XX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4424 |  |  | Closed | 2025-12-09 14:35 | 2025-12-11 09:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received the Initial CD - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing the initial Closing Disclosure - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXX XXXXXXX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXX - XXXXXX (X).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6739 |  |  | Closed | 2025-12-02 23:15 | 2025-12-10 01:34 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mismatch from XXXX to Credit report, Provided updated XXXX, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page does not match entry selected per guideline requirements. Provide a XXXX with the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXX XXXX XX XXXXXX XXXXXX, XXXXXXXX XXXXXXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9252 |  |  | Closed | 2025-12-08 13:23 | 2025-12-11 16:40 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Explanation Provided, Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please be advised that the $X,XXX.XX for the first mortgage P&I is $XXX.XX and also $XXX.XX for MI for the FHA first mortgage. This is shown on the mortgage statement provided. Please clear this condition as reverting the first mortgage payment for $XXX.XX would make the DTI inaccurate. Thank you - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The XXXX on p XXX reflects the First Mortgage P&I of $X,XXX.XX however the Xst lien Note and Mortgage Statements reflect the First Mortgage P&I of $XXX.XX. This affects the HTI and DTI. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXX XXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9252 |  |  | Closed | 2025-12-02 23:29 | 2025-12-08 13:11 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Waived-The loan's (X.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan junior lien threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(iii)) Per External Counsel Appropriate to Waive as a B Grade. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXX XXXXXXXX XXXX XXXXXX XXXX XXXX XXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXXXX XXX XXXX XXXXXXX XX X X-X XXXX XXXXXXXX XX (X.XX%).(X.X. XXX. XXXX. XX-X.XX(XX); XX XXX XXXXX(X)(X)(X)(XX); XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXXXXXX XXXXXXX XXXXXXXXXXX XX XXXXX XX X X XXXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | Originator Post-Close | No |
| XXXX | xxxxxx9252 |  |  | Closed | 2025-12-02 23:29 | 2025-12-08 13:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Final Closing disclosure on Pg#'s XXX reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXX, XXX, XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx8964 |  |  | Closed | 2025-12-05 04:26 | 2025-12-10 10:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not escrowed . Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8464 |  |  | Closed | 2025-12-05 05:54 | 2025-12-19 04:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet is missing in file, Provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Calculated Income Sheet Missing in File. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXX XXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8464 |  |  | Closed | 2025-12-05 05:51 | 2025-12-19 04:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business Narrative is missing in file, Provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Provide Business Narrative Missing in File. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8464 |  |  | Closed | 2025-12-05 07:44 | 2025-12-05 07:55 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8464 |  |  | Closed | 2025-12-05 07:44 | 2025-12-05 07:55 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8441 |  |  | Closed | 2025-12-06 21:10 | 2025-12-09 04:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Resolved, received CPA letter. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded CPA Letter - Seller-XX/XX/XXXX <br>Open-BX evidence of self employment is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded CPA Letter - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX_XXX_XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8441 |  |  | Closed | 2025-12-06 21:11 | 2025-12-09 04:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Resolved, received CPA letter. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX, XXXXXXXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8441 |  |  | Closed | 2025-12-07 01:16 | 2025-12-08 06:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Resolved,<br> This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Final Closing disclosure on page XXX Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXXXXXX,<br> XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXX XXXXXXX XXXXXXXXXX XX XXXX XXX XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9824 |  |  | Closed | 2025-12-10 12:35 | 2025-12-14 10:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-ROR provided and entered into XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Right of Rescission is Missing Missing from the file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX XXX XXXXXXX XXXX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXX XX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9824 |  |  | Closed | 2025-12-14 10:39 | 2025-12-14 10:42 | Resolved | 1 - Information C A | Compliance | State Reg | NJ Prohibited Fees Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the prohibited fees test.<br> (N.J.S.A. §XX:XXC-XX, N.J.A.C. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9824 |  |  | Closed | 2025-12-14 10:39 | 2025-12-14 10:42 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX.XX(e)(X))The loan amount is $XXX,XXX.XX or more, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XXX,XXX.XX; orThe loan amount is less than $XXX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $X,XXX.XX, which exceeds $X,XXX.XX; orThe loan amount is less than $XX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XXX,XXX.XX; orThe loan amount is less than $XX,XXX.XX but at least $XX,XXX.XX, and the transaction's total points and fees is $X,XXX.XX, which exceeds $X,XXX.XX; orThe loan amount is less than $XX,XXX.XX and the transaction's total points and fees is $X,XXX.XX, which exceeds X percent of the total loan amount of $XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3714 |  |  | Closed | 2025-12-08 02:29 | 2025-12-08 08:43 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx1430 |  |  | Closed | 2025-12-10 11:00 | 2025-12-11 03:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved received LE dated XX/XX/XXXX and corresponding COC. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing loan estimate dated XX/XX/XXXX and corresponding COC if applicable. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX XX XXXXX XX/XX/XXXX XXX XXXXXXXXXXXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9485 |  |  | Closed | 2025-12-05 12:21 | 2025-12-30 17:50 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX with corrected FICO provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Pls see updated XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Counter-XXXX with the incorrect qualifying FICO score was provided. Provide XXXX with correct qualifying FICO method selected as per lender guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UPDATED XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page does not match qualifying FICO value selected per lender guideline requirements. Provide XXXX with correct qualifying FICO. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9485 |  |  | Closed | 2025-12-05 13:01 | 2025-12-30 15:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors: XXX FICO, XX mos reserves, $XXXX residual income. - Buyer-XX/XX/XXXX <br>Escalated-Escalating For XX Visibility - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Internal exception provided by lender. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-INTERNAL EXCEPTION - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI Exceeds Guideline DTI of XX%<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXX XXXX<br> XX XXXXXX XXXXXXXX<br> $X,XXX XXXXXXXX XXXXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9485 |  |  | Closed | 2025-12-05 12:02 | 2025-12-18 02:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-VOES - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing borrower X Xrd party VOE dated within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2936 |  |  | Closed | 2025-12-06 03:37 | 2025-12-14 10:02 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Requested Race selection provided for BX, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Race Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Borrower X Race Selection is Not Provided Provide updated XXXX with demographic information. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXX XXXXXXXXX XXXXXXXX XXX XX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXX XXXXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXX XXXX (XXXX_XX) - XXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2936 |  |  | Closed | 2025-12-11 12:43 | 2025-12-14 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VOE uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing VOE dated w/in XX business days of closing is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XX XXX XXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXX, XX - XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3661 |  |  | Closed | 2025-12-07 23:43 | 2025-12-12 08:06 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Resolved. PCCD received and entered with compliance pass for disburse date. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Under the California Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in California prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX.X) Loan failed CA state interest rate accrual test. PCCD in file indicates the loan disbursed on XX/X/XXXX. Provide revised PCCD. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX. XXXX XXXXXXXX XXX XXXXXXX XXXX XXXXXXXXXX XXXX XXX XXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5927 |  |  | Closed | 2025-12-07 04:01 | 2025-12-17 08:22 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD dated XX/XX/XXXX provided and entered into LM. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. please review upload - Seller-XX/XX/XXXX _xXXXX_<br> Counter-The funds were disbursed on XX/XX/XXXX, however according to the ROR provided borrower had until XX/XX/XXXX to rescind. Funds were disbursed prior to the expiration date on the ROR. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Loan closed XX/XX. XX/XX,XX/XX,XX/XX is three business day window. therefore XX/XX is an acceptable funding date. Saturday can be considered a business day. Please waive this condition. - Seller-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Disbursement date of XX/XX/XXXX per Final CD, however borrower had until XX/XX/XXXX to cancel per Right to Cancel in file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. please review upload - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Loan closed XX/XX. XX/XX,XX/XX,XX/XX is three business day window. therefore XX/XX is an acceptable funding date. Saturday can be considered a business day. Please waive this condition. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXX XXXXX XX/XX/XXXX XXXXXXXX XXX XXXXXXX XXXX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5927 |  |  | Closed | 2025-12-07 02:13 | 2025-12-14 10:15 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX provided and updated in LM - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per the credit report, the qualifying FICO score is XXX; however, XXXX has a FICO score of XXX. Provide updated XXXX. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXX XXXXXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9258 |  |  | Closed | 2025-12-10 16:59 | 2025-12-12 15:09 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Please find a letter confirming the RCE from the insurer. It is their policy not to release the actual calculator. Thank you - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' RCE is not provided for sub prop. Per review Hazard Insurance Coverage Amount is less than Required Coverage Amount for combined first and second lien amounts. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XXX') - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9343 |  |  | Closed | 2025-12-08 00:29 | 2026-01-07 17:10 | Waived | 2 - Non-Material C B | Compliance | Mavent | Fees: Limited | Waived-Per Counsel, appropriate to waive as a B - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Counter-Tenn. Comp. R. & Regs. XXXX-XX-.XX - DEFINITIONS (X) "Brokerage Fee" means a fee charged by a mortgage loan broker or residential mortgage lender that is paid by or charged to a loan applicant for mortgage loan origination in which no part of the fee is for service rendered by a third party provider. The total of all section A fees paid by the borrower to the lender ($X,XXX.XX) exceeds X% of the loan amount ($X,XXX.XX). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-"Brokerage Fee" means a fee charged by a mortgage loan broker or residential mortgage lender that is paid by or charged to a loan applicant for mortgage loan origination in which no part of the fee is for service rendered by a third party provider. The total of all section A fees paid by the borrower to the lender ($X,XXX.XX) exceeds X% of the loan amount ($X,XXX.XX). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Fees being charged are lender fees. Reliance does not charge brokerage fees and not be subject to X% - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-The total of all fees paid by the borrower to the lender ($X,XXX.XX) exceeds X% of the loan amount ($X,XXX.XX). The Tennessee Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to X% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. (Tenn. Code Ann. XX-XX-XXX(c); TN ADC XXXX-XX-.XX(X)) The Tennessee Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to X%. The total of all section A fees paid by the borrower to the lender ($X,XXX.XX) exceeds X% of the loan amount ($X,XXX.XX). - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXX-XXX XXXXXXX, XXXXXXXXXXX XX XXXXX XX X X - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | Investor Post-Close | No |
| XXXX | xxxxxx9343 |  |  | Closed | 2025-12-08 05:00 | 2025-12-12 02:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Requested Notice of Right to cancel provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Please find the RTC's for both the borrower and non-borrowing spouse attached. Thank you - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Right of Rescission is Missing Missing Right of Rescission disclosure. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXX XXXXXX XX XXXXX XX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx9343 |  |  | Closed | 2025-12-11 08:43 | 2025-12-12 02:32 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form or Not Applicable (Occupancy is Primary Residence, Loan Purpose is Refinance, and Title Vested by NonBorrower is true) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Please find the RTC's for both the borrower and non-borrowing spouse attached. Thank you - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form (Occupancy is Primary Residence, Loan Purpose is Refinance, and Title Vested by NonBorrower is true) Missing evidence of Right of Rescission Form signed by Non-Borrower Title Holder - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX-XXXXXXXX XXXXX XXXXXX XXXXXXXX XXXXX XX XXXXXXXXXX XXXX XX XXX XXXXXXXXXX (XXXXXXXXX XX XXXXXXX XXXXXXXXX, XXXX XXXXXXX XX XXXXXXXXX, XXX XXXXX XXXXXX XX XXXXXXXXXXX XX XXXX) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx9343 |  |  | Closed | 2025-12-08 00:29 | 2026-01-07 17:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Meets HPML standards - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX. confirmation the appraisal was delivered to the borrower on page #XXX. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX. confirmation the appraisal was delivered to the borrower on page #XXX. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX #XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX #XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx5674 |  |  | Closed | 2025-12-11 13:09 | 2025-12-17 07:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing VOE provided was not dated w/in XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5674 |  |  | Closed | 2025-12-05 22:37 | 2025-12-16 03:28 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title with updated coverage amount provided that covers loan amount, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXXXXX is Less than Loan Amount #XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXX XXXXXXX XXXXX XXXX XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXXX XXXXXX XXXX XXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5674 |  |  | Closed | 2025-12-06 00:59 | 2025-12-14 10:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Provided and updated in XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing XXXX having different income, Required updated XXXX document - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXX XXXXXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX (XXXX_XX) - XXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5674 |  |  | Closed | 2025-12-06 00:38 | 2025-12-06 01:25 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are me.TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX. Rate lock date was entered correctly see Pg#'s XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX, XX-XX the appraisal disclosure was provided to the borrower(s) Pg# XX and copy of the appraisal was given to the borrower see Pg XX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XX.XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XX, XX-XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XX# XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0466 |  |  | Closed | 2025-12-09 05:47 | 2025-12-15 08:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credits decreased from Initial LE($XXX) to Initial CD($X) but COC for the same is not provided. Provide COC for the Lender Credits decrease. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9143 |  |  | Closed | 2025-12-05 00:41 | 2025-12-05 17:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX. confirmation the appraisal was delivered to the borrower on page #XX. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX #XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9840 |  |  | Closed | 2025-12-09 04:01 | 2025-12-17 00:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Updated Final XXXX with corrected citizenship uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Hi, borrower is US Citizen. - Seller-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower is a permanent resident alien, whereas non-US citizen Identification document is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi, borrower is US Citizen. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX XXXX XXXXXXXXX XXXXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXX XXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7245 |  |  | Closed | 2025-12-08 00:15 | 2025-12-18 13:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower X Paystubs Less Than X Month Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Counter-Per guidelines in file pay stub(s) covering the most recent XX-day period providing year-to-date earnings are required. Paystubs in file are for X week time frame. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. There is a full WVOE along with the X paystub. Please clear this condition. - Buyer-XX/XX/XXXX <br>Open-Borrower X Paystubs Less Than X Month Provided Paystubs provided less than X month - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXX X XXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX.XXX_XXXXX_<br> XXXXXXXX XXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7245 |  |  | Closed | 2025-12-12 08:02 | 2025-12-17 08:51 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Lender provided most recent UDM. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Gap credit report in file issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXX XXXXXX XXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7245 |  |  | Closed | 2025-12-07 23:22 | 2025-12-17 08:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Lender provided fully executed Final XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Final XXXX is missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9541 |  |  | Closed | 2025-12-12 05:17 | 2025-12-12 05:19 | Resolved | 1 - Information A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the revised closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9535 |  |  | Closed | 2025-12-12 04:18 | 2025-12-23 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender's income calculator is in Findings: XXXXXXXXXXXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-income WS - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Requesting clarification on how the lender arrived at the income of $X,XXX.XX for BX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Income WS - Due Diligence Vendor-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The income calculator for BX's self-employment income with Personal Tax Service is missing. Clarification on calculation requested for the $XXXX.XX income calculation. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX'X XXXXXX XXXXXXXXXX XX XX XXXXXXXX: XXXXXXX_X.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9300 |  |  | Closed | 2025-12-08 21:55 | 2025-12-17 03:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lo Sign in Initial XXXX is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Initial XXXX is available in file but Loan Originator signature is missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX XXXX XX XXXXXXX XXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX XXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9551 |  |  | Closed | 2025-12-12 02:49 | 2025-12-16 06:40 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-coc - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Lender credit credit reduced to $X on Revised CD dated XX/XX/XXXX without a valid COC - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9551 |  |  | Closed | 2025-12-12 02:17 | 2025-12-16 02:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-drive report - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Third party fraud report is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXX XXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9392 |  |  | Closed | 2025-12-12 12:00 | 2025-12-16 06:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Schedule A attached - Buyer-XX/XX/XXXX <br>Open-Title Document is Incomplete Title provided is missing "Schedule A" page - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX - XXXXXXXX X (XX).XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9392 |  |  | Closed | 2025-12-08 23:26 | 2025-12-16 02:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX provided with loan originator sign. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. signed XXXX attached - Buyer-XX/XX/XXXX <br>Open-The Initial XXXX is Missing The Initial XXXX provided is not signed by loan originator. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9532 |  |  | Closed | 2025-12-12 01:59 | 2025-12-12 10:39 | Resolved | 1 - Information A | Compliance | TRID | TRID Total of Payments Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $X,XXX,XXX.XX. The disclosed total of payments of $X,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. This loan failed the TRID total of payments test. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9532 |  |  | Closed | 2025-12-12 01:59 | 2025-12-12 10:39 | Resolved | 1 - Information A | Compliance | TRID | TRID Rescission Total of Payments Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID rescission total of payments test. (XX CFR §XXXX.XX(g)(X)(ii))The total of payments is $X,XXX,XXX.XX. The disclosed total of payments of $X,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than X/X of X percent of the face amount of the note or $XXX, whichever is greater. This loan failed the TRID total of payments test. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5875 |  |  | Closed | 2025-12-08 10:04 | 2025-12-17 16:48 | Waived | 2 - Non-Material C B | Property | Appraisal | Collateral Documentation | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Lender acknowledged exception. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-acknowledged - Buyer-XX/XX/XXXX <br>Open-Exception on page#XXXX:<br> Manager Notes: Exception reviewed - approved. Comps all reflect larger lots, though subject is the only one over X acres (in sold comps) but does have larger acreage listing in the same town. Appears typical for area/neighborhood consisting of larger square footage home. Comp factors: XX+ months reserves with cash out from transactions, low CLTV (XX% vs. XX% max), low DTI (XX% vs. XX% max) - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XX XX.X%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx6691 |  |  | Closed | 2025-12-08 21:35 | 2025-12-16 06:27 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached. - Buyer-XX/XX/XXXX <br>Open-The Note is Not Executed Signature page is missing from note - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6691 |  |  | Closed | 2025-12-12 13:11 | 2025-12-16 06:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached XXXX that matches income correctly. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Income per final XXXX reflects $XX,XXX.XX however per supportive income documents in file reflects income as $XXXXX.XX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX (XXXX_XX) - XXX XXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6691 |  |  | Closed | 2025-12-08 21:51 | 2025-12-16 03:34 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title with updated coverage amount provided that covers loan amount, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXXX XXXX XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXXX XXXXXX XXXX XXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4415 |  |  | Closed | 2025-12-15 20:01 | 2025-12-19 15:22 | Resolved | 1 - Information C A | Property | Property | Property Condition Rating Does Not Meet Program Requirements | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Property Report from seller uploaded. - Buyer-XX/XX/XXXX <br>Open-Per Matrix, when AVM is being used as primary valuation for loans less than or equal to $XXXk also require a Property condition report. Currently there is not one in file. - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | XXXXXXXXXX_XXXXX XXXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4415 |  |  | Closed | 2025-12-09 03:35 | 2025-12-09 03:42 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg# XX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX , and copy of the appraisal was given to the borrower see Pg#XX for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" <br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8453 |  |  | Closed | 2025-12-10 08:59 | 2025-12-14 03:36 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Resolved, received supplemental title report. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount XXX,XXX. Provide updated document with correct loan amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXX XXXXXXXXXXXX XXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX_XXXXXXX_XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8740 |  |  | Closed | 2025-12-11 04:22 | 2026-01-29 12:42 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Exception provided for DSCR not meeting guideline requirements. using market rents of XXXX, DSCR is.XX, which is only .XX below min requirement. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Xst mortgage is $XXXX.XX <br> CES subject loan is $XXX.XX<br> Total PITI= $XXXX.XX <br> Market rents $XXXX /$XXXX.XX=X.XX<br>Exception is valid, thank you! - Seller-XX/XX/XXXX <br>Counter-using market rents of XXXX, the DSCR is .XX (XXXX/XXXX.XX) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-File only consists of X of the X leases shown in the screen shots for this SFR property. Please provide all X leases as using market rents does not meet minimum guideline requirements. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Showing total of XXXX for the subject property and market rents XXXX Revised worksheet has it at X,XXX - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Showing total of XXXX for the subject property and market rents XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-As per Lease agreement page #XXX rent is XXX$ a month. The appraisal states the rents are are $X,XXX and the Lender Approval Form #XXX considered Rent amount as $X,XXX. Provide clarification on the Rent amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Xst mortgage is $XXXX.XX <br> CES subject loan is $XXX.XX<br> Total PITI= $XXXX.XX <br> Market rents $XXXX /$XXXX.XX=X.XX<br>Exception is valid, thank you! - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX XXX XXXX XXX XXXXXXX XXXXXXXXX XXXXXXXXXXXX. XXXXX XXXXXX XXXXX XX XXXX, XXXX XX.XX, XXXXX XX XXXX .XX XXXXX XXX XXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXX XXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXX XXXXXXXXXX.XXX_XXXXX_<br> XXXXXX XX.XXX_XXXXX_<br> XXXXXX XX XXXXXXXXX.XXX |  | XXX/XXXX XX.XXX/XX.XXX XX XX.XXX XXXXX XXX XXXXXXX. XXXX XX XXX XX XX XXXXX XXXXX XXX XXXXXXX, XXXX XX XXX XXXXXXXXX XXXX X XX XXXX XXXXXXXXX XXXX XX XXXXXX. XXXXXXXXXXX XXXXXXXX. | XX | Investment | Refinance | Cash Out - Other | XX | Originator Post-Close | Yes |
| XXXX | xxxxxx5333 |  |  | Closed | 2025-12-09 04:58 | 2025-12-16 18:44 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Status changed back to resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-??? Condition says it was resolved. - Buyer-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX. confirmation the appraisal was delivered to the borrower on page #XXX. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXX XXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8246 |  |  | Closed | 2025-12-12 05:23 | 2025-12-26 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8246 |  |  | Closed | 2025-12-15 08:00 | 2025-12-26 11:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% per Matrix loan amount of XXXk and score between XXX and XXX max LTV is XX% for alt docs - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX.XXX |  | XXXXXXXX XXX $XX,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX.<br> XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX XXXXX. <br> XXXXXXXX XXX XXXX XXXXXXXX XX XXXX XXXXXX XXX XX XXXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx8246 |  |  | Closed | 2025-12-12 04:51 | 2025-12-26 14:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX, HPML on page #XXX,The loan Meets HPML guideline, resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX, XXXX XX XXXX #XXX,XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8246 |  |  | Closed | 2025-12-12 04:51 | 2025-12-26 14:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX, HPML on page #XXX,The loan Meets HPML guideline, resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX, XXXX XX XXXX #XXX,XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9545 |  |  | Closed | 2025-12-12 12:51 | 2025-12-23 07:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Formal exception provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Exception provided for LTV of XX.X% where XX% is the maximum. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Exception form - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Audited CLTV Exceeds Guideline CLTV Based on qualifying FICO score of XXX, the max CLTV for bank statement program is XX%. The qualifying CLTV is XX.X%. There was not an Exception in the file. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXX-XXXXXX XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXXXXXXXXXXX XXXXXXX: <br> XXX XX XX.XX% XXXXX XX% XX XXX XXXXXXX<br> XXXX XX XXX X XXXXXXX XXXXXXXXXXX XX XXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx9545 |  |  | Closed | 2025-12-12 13:17 | 2025-12-16 07:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX- XX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX- XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9545 |  |  | Closed | 2025-12-12 13:17 | 2025-12-12 14:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX- XX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX- XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8089 |  |  | Closed | 2025-12-09 23:44 | 2025-12-18 17:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Rate Lock Document is Missing | Resolved-Corrected Lock Confirmation reflecting Income Doc Type as Business Bank Statement: XX Mos was provided in Findings: XX XXXX XXXXXXXXXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. please see attached lock updated to business bank statements - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Income doc type incorrectly given as personal bank statement XX months in lock confirmation on page #XXX but borrower is qualifying with XX months business bank statements, Provide updated lock confirmation with correct income doc type. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXXXXX XXXX XXXXXXXXXXXX XXXXXXXXXX XXXXXX XXX XXXX XX XXXXXXXX XXXX XXXXXXXXX: XX XXX XXX XXXXXXXX XX XXXXXXXX: XX XXXX XXXXXXXXXXXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXX XXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8089 |  |  | Closed | 2025-12-09 23:41 | 2025-12-18 17:28 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed provided in Findings: X XXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXX XX XXXXXXX XXXXXXXX XX XXXXXXXX: X XXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9311 |  |  | Closed | 2025-12-10 03:38 | 2026-01-15 09:30 | Resolved | 1 - Information C A | Compliance | State Reg | NJ Prohibited Fees Test | Resolved-Lender provided PC CD placing payoff in correct section. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-Per Compliance leadership, The Payoff to IRS should be listed on Section J "Payoffs and Payments" section of the closing disclosure and not on section H. XXX XXXXXX has a strict list of allowable fees that can be charged, and any fee that is not allowable will fail the Prohibited Fees Test. Finding countered. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Counter-Payoff fee listed on Final CD is considered a prohibited fee it must be refunded. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the prohibited fees test.<br> (N.J.S.A. §XX:XXC-XX, N.J.A.C. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. Per XX report, Payoff fee listed on Final CD is considered a prohibited fee. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XX XX XXXXXXX XXXXXX XX XXXXXXX XXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XXXXXXXX (XX).XXX_XXXXX_<br> XXXXX XXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9549 |  |  | Closed | 2025-12-12 06:00 | 2025-12-12 07:52 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9549 |  |  | Closed | 2025-12-12 06:00 | 2025-12-12 07:52 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9542 |  |  | Closed | 2025-12-15 12:28 | 2025-12-18 08:08 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-title supp - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage per preliminary commitment is $XXX,XXX and loan amt is $XXX,XXX. Provide updated title. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9542 |  |  | Closed | 2025-12-12 11:48 | 2025-12-18 03:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested final CD page X provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-CD - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Final Closing Disclosure Final CD page X of X is missing - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXX-XXXXXXXXX XXXXX XX XXXX X XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9533 |  |  | Closed | 2025-12-12 11:01 | 2025-12-12 11:02 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9533 |  |  | Closed | 2025-12-12 11:01 | 2025-12-12 11:02 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9533 |  |  | Closed | 2025-12-12 11:01 | 2025-12-12 11:02 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7219 |  |  | Closed | 2025-12-11 06:10 | 2025-12-18 13:30 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX agrees - Seller-XX/XX/XXXX <br>Open-Cash Out is not completed according to the XXXXXXXXX requirements Manager Notes: Exception for seasoning between cash out transactions is approved. Borrower refinanced on X/XX/XX and will have approx. nX moths seasoning at close. PG - XXX - Due Diligence Vendor-XX/XX/XXXX | Unable to Resolve-Unable to Resolve-XX agrees - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXX XXXXXXXXX XX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXXXXXX XXXXXX XX $XX,XXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $XXXX.<br> XXXXXXXX(X) XXXX XX.X XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX<br> XXXXXXXXX XXX XXXXXXXXXXX XX XX% X. XXXXXXXXXX XXX XX XX.XX% | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx7219 |  |  | Closed | 2025-12-10 23:56 | 2025-12-18 07:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD dated XX/XX/XXXX provided by lender. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. The loan was consummated on XX/X/XXXX per the notarization date on the DOT. Disbursement date of XX/XX/XXXX is not X business days from the consummation date. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXX XX/XX/XXXX XXXXXXXX XX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7219 |  |  | Closed | 2025-12-10 23:56 | 2025-12-18 07:58 | Resolved | 1 - Information A | Compliance | Points & Fees | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the MA XXX CMR XX.XX higher-priced mortgage loan test. (MA XXX CMR XX.XX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.While the Code of Massachusetts Regulations provisions specify that lenders may lawfully 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XXX for the copy of the disclosure. The loan does not meet HPML XXXXXXXXX.<br>Duplicate - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XX XXX XXX XX.XX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX XXX XX.XX)XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXX XX XXXXXXXXXXXXX XXXXXXXXXXX.XXXXX XXX XXXX XX XXXXXXXXXXXXX XXXXXXXXXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXX XXX XXXX XXXX XXXXXXXXXX.<br>XXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7219 |  |  | Closed | 2025-12-10 23:56 | 2025-12-18 07:58 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XXX for the copy of the disclosure. The loan does not meet HPML XXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXX XXX XXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4510 |  |  | Closed | 2025-12-10 23:26 | 2025-12-17 16:47 | Waived | 2 - Non-Material C B | Property | Appraisal | Collateral Documentation | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Unable to Resolve-XX agrees with exception approved in the file<br> - Buyer-XX/XX/XXXX <br>Open-Exception pg no: XXX, XXX<br> Exception approved for X.X acres vs X max on EA. Subject is zoned residential and purely residential in use. No commercial or agricultural influence. Comps of similar acreage from immediate X mile radius. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXXXXXXX(X) XXXX XX.XX XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX.<br> XXXXXXXX XXXXXX XX $XXXXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $XXXX.  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx4510 |  |  | Closed | 2025-12-10 23:08 | 2025-12-10 23:19 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A doc and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg#XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg#XX for the copy of the disclosure. The loan meets HPML XXXXXXXXX" <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# X/X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9948 |  |  | Closed | 2025-12-15 18:14 | 2025-12-22 07:55 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - RCE provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX.XX and Guaranteed Replacement Coverage indicator is 'No' RCE was not provided for the sub prop. Current hazard insurance coverage is not sufficient to cover combined Xst and Xnd lien amounts. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XXX') - XXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXX XXXXX XXX% XXXXXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9948 |  |  | Closed | 2025-12-15 17:53 | 2025-12-18 08:25 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Corrected XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached XXXX showing correct credit score of XXX. - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page does noXt match qualifying FICO entry selected per lender guideline requirements. Provide corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7350 |  |  | Closed | 2025-12-14 23:21 | 2025-12-19 15:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC form updated to TRID header page. XX report is minimal, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). This loan failed the charges that cannot increase test due to the points fee that increased when the initial CD was issued on XX/XX/XX without a valid Change of Circumstance Form. The reimbursement in file is sufficient to cover the transfer taxes added to the final CD. Provide COC form, or to cure upload refund check, PCCD, LOE, and shipping envelope. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXX XX XXXX XXXXXX XXXX. XX XXXXXX XX XXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7350 |  |  | Closed | 2025-12-15 02:44 | 2025-12-19 15:39 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-COC form updated to TRID header page. XX report is minimal, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC attached - Buyer-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test due to the points fee that increased when the initial CD was issued on XX/XX/XX without a valid Change of Circumstance Form. The reimbursement in file is sufficient to cover the transfer taxes added to the final CD. Provide COC form, or to cure upload refund check, PCCD, LOE, and shipping envelope. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXX XX XXXX XXXXXX XXXX. XX XXXXXX XX XXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0826 |  |  | Closed | 2025-12-16 13:01 | 2025-12-29 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement is not required due to LTV is less than XX% and loan amount is less than $Xmillion. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The GL's provided still stand and are valid for subject property. Please advise, thank you! - Seller-XX/XX/XXXX <br>Counter-most recent leases for subject property not primary residence - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Lease(s) missing from file. Per guidelines on refi transactions "The most recent leases/rental agreements are to be used". - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The GL's provided still stand and are valid for subject property. Please advise, thank you! - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXXX XX XXX XXXXXXXX XXX XX XXX XX XXXX XXXX XX% XXX XXXX XXXXXX XX XXXX XXXX $XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0826 |  |  | Closed | 2025-12-15 03:34 | 2025-12-23 01:51 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Primary Housing is verified to be Free & Clear, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements No VoM or docs that can confirm housing history in file for primary address. No account number on loan app to confirm with credit report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXX XX XXXXXXXX XX XX XXXX & XXXXX, XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1622 |  |  | Closed | 2025-12-15 22:00 | 2025-12-26 10:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Received exception for LTV - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% The audited CLTV is XX.XX%, whereas per XX/XX/XXXX guideline maximum allowable CLTV for investment type loan is XX%. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% The audited CLTV is XX.XX%, whereas per XX/XX/XXXX guideline maximum allowable CLTV for investment type loan is XX%. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXX XXXXXXXXX XXX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX.XXX |  | XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX XXXXX. <br> XXXXXXXX XXX $X,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX.<br>| XX | Investment | Refinance | Cash Out - Home Improvement/Reno | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx1622 |  |  | Closed | 2025-12-15 22:03 | 2025-12-23 02:49 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated XXXX document uploaded with corrected P&I, DTI within the variance limit, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-As per the recent mortgage statement and credit report the current or primary residence PITI is $X,XXX.XX, whereas XXXX is showing $X,XXX and for REO property XXXX Princess Garden the total of net rental loss is $XXXX ($XXXX+$XXX), whereas final XXXX is showing $X,XXX.XX as rental loss and Due to changes in monthly payments on liabilities, the calculated DTI to show XX.XX%, whereas DTI on XXXX is XX.XX%. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXX X&X, XXX XXXXXX XXX XXXXXXXX XXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx1622 |  |  | Closed | 2025-12-15 22:01 | 2025-12-23 02:48 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document uploaded with corrected P&I, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. As per the recent mortgage statement pg#XXX and credit report pg#XXX the current or primary residence PITI is $X,XXX.XX, whereas XXXX is showing $X,XXX, and Due to changes in monthly payments on liabilities, the calculated DTI to show XX.XX%%, whereas DTI on XXXX is XX.XX%. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXX X&X, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx6272 |  |  | Closed | 2025-12-15 22:52 | 2025-12-23 05:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Points - Loan Discount Fee of $XXXX.XX added in final cd page XX, Provide COC to cure this fee. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| _XXXXX_ | XXXXXXXXXX XXXXXXX XXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8470 |  |  | Closed | 2025-12-15 06:04 | 2025-12-19 03:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX with corrected income provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing As Per final XXXX income was $ XXX,XXX where as Final XXXX and Income worksheet is $ XXXXXX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXX XXXX XXXXXXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8470 |  |  | Closed | 2025-12-15 07:54 | 2025-12-18 07:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'sXXXThe loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX X, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX , XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXXXXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XXXXXXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxx8470 |  |  | Closed | 2025-12-15 07:54 | 2025-12-18 07:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'sXXXThe loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX X, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX , XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXXXXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XXXXXXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5410 |  |  | Closed | 2025-12-15 01:02 | 2025-12-23 20:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD reflecting the correct Disbursement Date and Per Diem Date provided. XX is minimal, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. uploaded - XXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. This loan failed the TILA right of rescission test. because the per the ROR dated XX/X/XX the cancellation date is XX/XX/XX and the disbursement date per final CD is XX/XX/XX. The funding date is before the third business day following consummation. Borrower did not get the full recession period. Provide a corrected PCCD reflecting the correct Disbursement Date and Per Diem Date.<br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XXXXXXXXXX XXX XXXXXXX XXXXXXXXXXXX XXXX XXX XXX XXXX XXXX XXXXXXXX. XX XX XXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8622 |  |  | Closed | 2025-12-22 05:48 | 2026-01-05 07:32 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_<br> Counter-Discount points and courier fee increased without a valid COC or lender credit - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Missing LE dated within X business days of application date XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXX XXXX.XXX_XXXXX_<br> XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8622 |  |  | Closed | 2025-12-22 05:48 | 2026-01-05 07:32 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXX XXXX.XXX_XXXXX_<br> XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8622 |  |  | Closed | 2025-12-22 05:48 | 2026-01-05 07:32 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXX XXXX.XXX_XXXXX_<br> XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8622 |  |  | Closed | 2025-12-16 22:55 | 2025-12-29 10:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX _xXXXX_<br> Counter-Le provided is not dated within X business days of application date XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Initial LE Missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX _xXXXX_<br> Open-initial loan estimate missing in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX XXXXXXX.XXX_XXXXX_<br> XXXXXXX XX XXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8622 |  |  | Closed | 2025-12-22 05:48 | 2025-12-29 10:23 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Missing LE dated within X business days of application date XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8622 |  |  | Closed | 2025-12-22 05:48 | 2025-12-29 10:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX _xXXXX_<br> Open-Missing LE dated within X business days of application date XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8622 |  |  | Closed | 2025-12-22 05:48 | 2025-12-29 10:23 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX _xXXXX_<br> Open-Missing LE dated within X business days of application date XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR §XXXX.XX(e)(X)(iii)(A))The 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.Therefore, if additional disclosures are entered into XXXXXXXXXXXXXXXXXX, 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 $X, regardless of the actual values on the disclosure.This 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 §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(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, XXXXXXXXXXXXXXXXXX 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.The creditor shall deliver or place in the mail the disclosures required under §XXXX.XX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8622 |  |  | Closed | 2025-12-22 05:48 | 2025-12-29 10:23 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Missing SPL dated within X business days of application date XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (XX CFR §XXXX.XX(e)(X)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)This 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 §XXXX.XX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXX.XX(a)(X)(vi) (which references the timing requirements for the 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:NoneAs not being open on PLEASE 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.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXX.XX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXX.XX(e)(X)(e)(X)(iii). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8622 |  |  | Closed | 2025-12-16 22:53 | 2025-12-22 06:06 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. missing intent tot proceed document - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | XXXXXX XX XXXXXXX.XXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8622 |  |  | Closed | 2025-12-16 22:53 | 2025-12-22 06:00 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Document attached is the homeowner counseling disclosure, still missing Service providers List - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Service provider list missing in file - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | XXXXXXX XXXXXXXXX.XXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8622 |  |  | Closed | 2025-12-16 22:55 | 2025-12-22 05:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure initial CD missing in loan file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9418 |  |  | Closed | 2025-12-16 02:26 | 2025-12-23 23:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Updated Mortgage current balance updated from the credit supplement, Audited CLTV of XX% is less than or equal to XXXXXXXXX CLTV of XX%, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited CLTV of XX% is less than or equal to XXXXXXXXX CLTV of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please read "response on condition" showing the mortgages current balance and credit supplement verifying the balance - Buyer-XX/XX/XXXX <br>Open-Audited CLTV of XX.XX% exceeds XXXXXXXXX CLTV of XX%. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXX XXX XXXXXX XXXXXXXXXX, XXXXXXX XXXX XX XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXXX XX XX%, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXX XX XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XX XXXXXXXXX.XXX_XXXXX_<br> XXXXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9418 |  |  | Closed | 2025-12-16 02:55 | 2025-12-17 08:37 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This Xnd lien loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s XXXAn interior and exterior appraisal was completed for this property – see pg XX, per the other considerations section of Initial LE issued within X business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s XX The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXX XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXXXX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXX XXXXX XXXXXXXXXXXXXX XXXXXXX XX XXXXXXX XX XXXXXX XXXXXX X XXXXXXXX XXXX XXXX XXX XXXXXXXXXXX XXXX, X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9441 |  |  | Closed | 2025-12-16 01:53 | 2026-01-14 14:01 | Acknowledged | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Acknowledged-XX Acknowledged XXXX is not final - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. XXXX is present in file on page #XXX but LTV & HLTV details are incorrect, missingXXXX with LTV of XX.XX% & HLTV of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XX XXXXXXXXXXXX XXXX XX XXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8959 |  |  | Closed | 2025-12-17 06:12 | 2026-01-21 22:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Senior Lien Legal documents missing in file, provided Previous Note document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Xst Mortgage Note uploaded. - Seller-XX/XX/XXXX <br>Open-Senior Lien Docs missing, Need Note document for Xst lien. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Xst Mortgage Note uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXX XXXXX XXXXXXXXX XXXXXXX XX XXXX, XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXX XXXXXXXXXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8959 |  |  | Closed | 2025-12-16 23:42 | 2025-12-29 07:10 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Updated XXXX provided w/ FICO of XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. B X is primary wage earner & B X's middle fico is XXX but in final XXXX FICO given as XXX, need updated XXXX with fico of XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXX XXXXXXXX X/ XXXX XX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8959 |  |  | Closed | 2025-12-22 08:36 | 2025-12-29 07:10 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8959 |  |  | Closed | 2025-12-22 08:36 | 2025-12-29 07:10 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3073 |  |  | Closed | 2025-12-17 01:17 | 2025-12-19 01:38 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX with corrected Xst lien mortgage payment provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Xst lien mortgage payment is $X,XXX.XX per mortgage statement and CBR page#XXX, XXX whereas XXXX reflecting $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXX XXXXXXXXX XXX XXXX XXXXXXXX XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8289 |  |  | Closed | 2025-12-17 22:01 | 2025-12-23 08:56 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved-Resolved, Disclosure Tracking updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached. - Seller-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. This loan contains either: A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXXXX XXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXX XXXX XXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8289 |  |  | Closed | 2025-12-17 04:49 | 2025-12-23 01:45 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached updated title - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title is not covering loan amount. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8289 |  |  | Closed | 2025-12-17 05:15 | 2025-12-22 04:38 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mis match from XXXX to Credit report, provided updated XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached XXX is fico - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Provide updated XXXX. The XXXX in the service file do not have a credit score. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX attached XXX is fico - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXX XXXXX XXXX XXXX XX XXXXXX XXXXXX, XXXXXXXX XXXXXXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx9950 |  |  | Closed | 2025-12-24 23:35 | 2025-12-29 10:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg# XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower see Pg#XXX. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX.'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX#XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0669 |  |  | Closed | 2025-12-18 05:52 | 2026-01-16 07:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-As per XX's, Leases are not required if the loan amount is less than $X million and the LTV/CLTV is - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Lease agreement for Subject property UnitX which is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XX XXX XX'X, XXXXXX XXX XXX XXXXXXXX XX XXX XXXX XXXXXX XX XXXX XXXX $X XXXXXXX XXX XXX XXX/XXXX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0669 |  |  | Closed | 2025-12-19 10:46 | 2026-01-16 07:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Revised loan approval received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Variance due to taxes and insurance which obtained from the documentation in the file. PITI figures ($X,XXX.XX Xst, $XXX.XX Tax, $XXX.XX Ins, $XXX.XX Xnd-subject loan). First lien PITI is $X,XXX.XX per the documentation in the file. Provide a revised LA. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The subject PITI payment is lumped as one sum into the Neg. Cash Flow section which shows the correct amount of $XXXX.XX: Xst mortgage impounded $XXXX.XX and Xnd mortgage $XXX.XX). Please advise, thank you! - Seller-XX/XX/XXXX <br>Counter-DSCR variance due to PITI figures ($X,XXX.XX Xst, $XXX.XX Tax, $XXX.XX Ins, $XXX.XX Xnd). Provide a revised Credit Approval. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide a revised LA due to a variance in DSCR where audited calculation is X.XXX and lender calculation is X.XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-The subject PITI payment is lumped as one sum into the Neg. Cash Flow section which shows the correct amount of $XXXX.XX: Xst mortgage impounded $XXXX.XX and Xnd mortgage $XXX.XX). Please advise, thank you! - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9510 |  |  | Closed | 2025-12-17 21:25 | 2025-12-30 15:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Asset X Not Expired Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-received the most recent bank statement prior to closing - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Asset X Expired. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX X XXX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXX XXXX XXXXXX XXXX XXXXXXXXX XXXXX XX XXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9510 |  |  | Closed | 2025-12-18 10:48 | 2025-12-30 15:49 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-confirmed XXXXX has escrow included - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Note uploaded shows as transferred or sold to XXXX XXX. statement from XXXX servicing for XX/XX/XXXX shows P&I of XXXX.XX and total with escrow is XXXXX.XX. Next mortgage statement is from XXXXXXXXXX for XX/XX/XXXX. Statement Shows what was paid for previous X months. whereas for DTI calculation going forward the projected P&I which is $XX,XXX.XX is required in the calculation. XX,XXX.XX and escrow X,XXX.XX. audited front end - XX.XX% audited back end - XX.XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Note uploaded shows as transferred or sold to XXXX XXX. statement from XXXX servicing for XX/XX/XXXX shows P&I of XXXX.XX and total with escrow is XXXXX.XX. Next mortgage statement is from XXXXXXXXXX for XX/XX/XXXX. Statement Shows what was paid for previous X months. whereas for DTI calculation going forward the projected P&I which is $XX,XXX.XX is required in the calculation. XX,XXX.XX and escrow X,XXX.XX. audited front end - XX.XX% audited back end - XX.XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Difference due to monthly principal and interest payment on first lien is stated as XX,XXX from XX/XX/XX and XX/XX/XX. looks like servicing has change a few times this year.<br> most recent monthly statement XX/X/XX shows principal as X,XXX.XX and interest XX,XXX.XX = XX,XXX.XX and escrow X,XXX.XX.<br> audited front end - XX.XX%<br> audited back end - XX.XX%<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXX XXX XXXXXX XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXX XX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9510 |  |  | Closed | 2025-12-18 10:55 | 2025-12-26 11:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-uploaded Note does not clear this condition.<br> Audited CLTV of XX.X% exceeds XXXXXXXXX CLTV of XX% per XX/X/XX Matrix X-X unit max CLTV for credit score of XXX-XXX is XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited CLTV of XX.X% exceeds XXXXXXXXX CLTV of XX% per XX/X/XX Matrix X-X unit max CLTV for credit score of XXX-XXX is XX% - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXX XXXXXXXXX.XXX |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> XXXXXXXX XXX $XX,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX.<br> XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX XXXXX. <br> XXXXXXXX XXX XXXXX XX XXXXXXX XXXXXXXX X XXXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx9510 |  |  | Closed | 2025-12-17 22:13 | 2025-12-22 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-received first lien note - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Xst lien Note not in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXX XXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXX XXXX XXXX.XXX_XXXXX_<br> XXXXXXXX XXX XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9510 |  |  | Closed | 2025-12-17 21:52 | 2025-12-30 15:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX, HPML on page #XXX. The loan Meets HPML guideline, resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX, XXXX XX XXXX #XXX. XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9510 |  |  | Closed | 2025-12-17 21:52 | 2025-12-30 15:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX, HPML on page #XXX. The loan Meets HPML guideline, resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX, XXXX XX XXXX #XXX. XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7724 |  |  | Closed | 2025-12-22 07:31 | 2025-12-29 10:40 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Revised CD and COC provided, Compliance re-run and condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CD and COC uploaded - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. There is no reimbursement amount present in the TRID - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. CD and COC uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XX XXX XXX XXXXXXXX, XXXXXXXXXX XX-XXX XXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7724 |  |  | Closed | 2025-12-22 07:31 | 2025-12-29 10:40 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Revised CD and COC provided, Compliance re-run and condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CD and COC provided - Buyer-XX/XX/XXXX <br>Open-the verification docs fee increased on the final CD, provide a COC for the increase.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). COC is not available for the increase in the fees. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXX XXX XXXXXXXX, XXXXXXXXXX XX-XXX XXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7724 |  |  | Closed | 2025-12-22 06:49 | 2025-12-26 01:36 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX with correct FICO score provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. correct credit score is XXX - see updated XXXX - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXX', but the Qualifying FICO from the Credit Liabilities Page is 'XXX'. Qualifying FICO entries do not match. Primary Wage Earner Mid Score selected per GLs. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXX XXXXXXX XXXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7724 |  |  | Closed | 2025-12-23 18:02 | 2025-12-24 09:07 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. (XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i))The revised loan estimate delivery date is either: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 receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This 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 §XXXX.XX(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure). 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 SundayPLEASE 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.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9543 |  |  | Closed | 2025-12-24 10:09 | 2025-12-29 14:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap report dated XX/X/XXXX received within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UDN - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within XX days of the Note date. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXX XX/X/XXXX XXXXXXXX XXXXXX XX XXXX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9543 |  |  | Closed | 2025-12-21 03:11 | 2025-12-24 10:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9543 |  |  | Closed | 2025-12-21 03:11 | 2025-12-24 10:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9857 |  |  | Closed | 2025-12-21 11:37 | 2025-12-29 02:30 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mis match from XXXX to Credit Report, provided Updated XXXX, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page does not match Qualifying FICO value on XXXX . Provide a XXXX with the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXX XXXXX XXXX XXXX XX XXXXXX XXXXXX, XXXXXXXX XXXXXXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9857 |  |  | Closed | 2025-12-21 11:37 | 2025-12-29 02:30 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-BX Credit Report is expired, provided UDM , changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Credit Report is not Expired. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Credit Report is Expired (Greater than XXX days from the Closing Date). Borrower X Credit Report provided is Expired (Greater than XXX days from the Closing Date). - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XX XXXXXX XXXXXX XX XXXXXXX, XXXXXXXX XXX , XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXX (X).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8654 |  |  | Closed | 2025-12-19 02:29 | 2026-01-21 10:08 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Deephaven's broker agreement contractually obligates the broker to comply with anti-steering. Finding resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-It's our Compliance and legal teams understanding that this disclosure is required of the broker, not the lender and therefore we do not expect Selene Incenter to test for the presence of this disclosure and would not expect to have a finding for a lack thereof. Please rescind this finding, thank you.<br>- Buyer-XX/XX/XXXX _xXXXD_<br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Provide Anti Steering Disclosure for Broker Fee paid by Lender in A Section in Final Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX'X XXXXXX XXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXX XXXXXX XX XXXXXX XXXX XXXX-XXXXXXXX. XXXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8202 |  |  | Closed | 2026-01-03 06:17 | 2026-01-13 05:13 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. COC attached. - Seller-XX/XX/XXXX _xXXXD_<br> Open-Provide COC for increase in fees from Le to CD. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COC attached. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX XXXXXXXXXXXXX - XXXXXX (XX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8202 |  |  | Closed | 2025-12-22 08:23 | 2026-01-03 06:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, Updated disclosure. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. cd attached - Buyer-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Closing Disclosure Provide the initial Closing Disclosure and any associated COC. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX, XXXXXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXX - XXXXXX (XX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8202 |  |  | Closed | 2025-12-20 04:33 | 2026-01-03 06:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. VOE attached - Seller-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Xrd party VOE doc with in XX business days closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. VOE attached - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8896 |  |  | Closed | 2025-12-20 06:09 | 2025-12-29 02:50 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Requested previous policy with effective date that is within the note date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Provide prior HOI policy confirming sub prop was insured at close. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXXXXXXX XXXXXX XXXX XXXXXXXXX XXXX XXXX XX XXXXXX XXX XXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XX XXX XXXX XXXX XX XX-XX-XXXX XX XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8896 |  |  | Closed | 2025-12-20 23:04 | 2025-12-26 05:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Notice of Right To Cancel Provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX _xXXXD_<br> Open-Right of Rescission is Missing Missing right to cancel disclosure.. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXX XX XXXXX XX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8896 |  |  | Closed | 2025-12-20 22:58 | 2025-12-26 05:02 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX. confirmation the appraisal was delivered to the borrower on page #XXX. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX #XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxx0237 |  |  | Closed | 2025-12-29 05:18 | 2025-12-31 11:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXXX Exception page XXX<br> Loan Amount - Loan File $XXX,XXX, GL Requirement $XXX,XXX <br> Client elects to waive with the following compensating factors - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXX XXXX XXXXXX XX $XXXXXX XX XXXX XXXX XXX XXXXXXXXX XXXXXXX XXXX XXXXXX XX $XXXXXX XXXXXXXXX XXXX XXX<br> XXXX XXXXXX - XXXX XXXX $XXX,XXX, XX XXXXXXXXXXX $XXX,XXX <br> XXXXXX XXXXXX XX XXXXX XXXX XXX XXXXXXXXX XXXXXXXXXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX.XXX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.X%.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> $X,XXX.XX XXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXX $XXXX<br> XX XXXXXXXXXX XXXXX XXXX<br> XXXXXXX XXXXXXX XXXXXXX X XXX X XX XXXXXX, XX XXXXXXXXXXX XXXXXXX XXXXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx8118 |  |  | Closed | 2025-12-22 00:22 | 2026-01-07 15:48 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-See comp factors - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Acknowledged. - Buyer-XX/XX/XXXX <br>Open-Exception Approved on page XXXX for less than X years self-employed. Borrowers business<br> was formed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX <br> XX.XX XXXXXXXX XXX XXXX XX % XXXXXXXX XXX XXX XXXXXXXXX.<br> XXX XXXX XXXXX XXXX XXX XXXX XXXXX XX XXX XXXXXXX.<br>| XX | Investment | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx1228 |  |  | Closed | 2025-12-21 21:49 | 2025-12-23 07:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXthe appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XX, HPML on page# XXX.The loan Meets HPML guideline, resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXXXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XX, XXXX XX XXXX# XXX.XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1228 |  |  | Closed | 2025-12-21 21:49 | 2025-12-23 07:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXthe appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XX, HPML on page# XXX.The loan Meets HPML guideline, resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXXXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XX, XXXX XX XXXX# XXX.XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0360 |  |  | Closed | 2025-12-22 02:49 | 2026-01-07 04:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Finding added for Escrow Waiver is missing in file, which is not required as we can verify from Final Cd Xth Pg for Escrows, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Not required on Xnd liens - Buyer-XX/XX/XXXX <br>Open-Escrow Waiver is Missing in file.<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX XXX XXXXXX XXXXXX XX XXXXXXX XX XXXX, XXXXX XX XXX XXXXXXXX XX XX XXX XXXXXX XXXX XXXXX XX XXX XX XXX XXXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXXX XXXXX XXXXXXX XXXXXX XXX XXX XXXX.XXX_XXXXX_<br> XXXXXX XXXXXXXXXXX XXXXX XXXX XX XX XXXXXXXXXX XX XX XXXXXXX.XXX_XXXXX_<br> XXXXXX XXXXXXXXXX XX XXXXXXXX XXXXXX XX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0360 |  |  | Closed | 2025-12-22 01:15 | 2026-01-07 03:34 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Verified qualify FICO is XXX but XXXX shows XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX (X).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9329 |  |  | Closed | 2025-12-22 04:47 | 2025-12-26 08:33 | Resolved | 1 - Information C A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Resolve Document Uploaded. XX per diem disclosure. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX per diem disclosure - Buyer-XX/XX/XXXX <br>Open-The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX). - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXXX XXXXXXXX. XX XXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXX XXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9329 |  |  | Closed | 2025-12-22 02:22 | 2025-12-23 23:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Borrower X Gap credit report. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX-XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9329 |  |  | Closed | 2025-12-22 02:22 | 2025-12-23 23:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Borrower X Gap credit report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX-XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8609 |  |  | Closed | 2025-12-21 23:36 | 2026-01-02 13:14 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | Late Fees Test | Acknowledged-XX Acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX Acknowledged; please downgrade to a Non-Material Grade X - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8609 |  |  | Closed | 2025-12-21 23:36 | 2025-12-23 08:34 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX, XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX, XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2930 |  |  | Closed | 2025-12-22 02:14 | 2026-01-07 15:15 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Flood Insurance Expiration Date of XX-XX-XXXX is equal to or after the Note Date of XX-XX-XXXX Or Flood Insurance Expiration Date Is Not Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Flood Insurance Expiration Date of XX-XX-XXXX is prior to the Note Date of XX-XX-XXXX Flood insurance is expired provided updated flood insurance covering note date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXX XXXXXXXXX XXXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XXX XXXX XXXX XX XX-XX-XXXX XX XXXXX XXXXXXXXX XXXXXXXXXX XXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXX XXXXXX XX-XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2930 |  |  | Closed | 2026-01-05 01:48 | 2026-01-05 11:17 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-fee were corrected - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Total of Payments updated as per Final Cd - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the XXXX total of payments test. (XX CFR §XXXX.XX(o)(X))The total of payments is $X,XXX,XXX.XX. The disclosed total of payments of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $X.XX is not sufficient to cure the inaccuracy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX XXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2930 |  |  | Closed | 2026-01-05 01:48 | 2026-01-05 10:50 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-this is resolved because the fees were correctly captured - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XX XXXXXXXX XXXXXXX XXX XXXX XXXX XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2930 |  |  | Closed | 2026-01-05 01:48 | 2026-01-05 10:50 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-this is resolved because the fees were correctly captured - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XX XXXXXXXX XXXXXXX XXX XXXX XXXX XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2930 |  |  | Closed | 2026-01-05 01:48 | 2026-01-05 10:50 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-this is resolved because the fees were correctly captured - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XX XXXXXXXX XXXXXXX XXX XXXX XXXX XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2930 |  |  | Closed | 2025-12-22 03:32 | 2026-01-05 02:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD is missing in file, provided the same, changes made in system, Finding Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. cd attached - XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-XXXX: Missing Closing Disclosure Initial CD missing from file, thus unable to run compliance - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cd attached - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXX XX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXXX - XXXXXX (XX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2930 |  |  | Closed | 2026-01-05 01:48 | 2026-01-05 02:01 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the XXXX disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2930 |  |  | Closed | 2026-01-05 01:48 | 2026-01-05 02:01 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the XXXX "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2930 |  |  | Closed | 2026-01-05 01:48 | 2026-01-05 01:51 | Resolved | 1 - Information C A | Compliance | TRID | TRID Lender's and Owner's Title Insurance Policy Amounts Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-This loan failed the XXXX Lender's and Owner's Title Insurance Policy Amounts validation test.This loan contains a value for one, but not both of the following fields:As Disclosed Lender's Title Insurance Policy and Actual Lender's Title Insurance Policy; orAs Disclosed Owner's Title Insurance Policy and Actual Owner's Title Insurance Policy.The XXXX's Official Interpretations to the XXXX (XXXX) XXXXX XXXX requires the use of a specific calculation to arrive at the value to be provided on the disclosure forms. The Lender's Title Insurance Policy is always disclosed as the full policy amount, even if a simultaneous issue of the Owner's Title Insurance Policy is present. The Owner's Title Insurance Policy is calculated by taking the full owner's title insurance premium, adding the simultaneous issuance premium for the lender's coverage (if any), and then deducting the full premium for the lender's coverage. The value derived from this calculation is required for accurate tolerance testing under XXXX, and should be entered in the "as disclosed" field in ComplianceAnalyzer.The "as disclosed" value derived from the above calculation, however, generally will not be representative of the actual value paid for the title insurance. Therefore it cannot be used for testing state and federal fee thresholds, as it will likely yield incorrect results for such tests. Accordingly, the actual value paid for the title insurance must be entered in the corresponding "actual" title insurance policy field(s). If there is no difference between the actual and disclosed values for either the owner's or lender's title insurance, please enter the same value in the "actual" and "as disclosed" fields. For more information on how these fields are used, please refer to the glossary. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8004 |  |  | Closed | 2025-12-22 22:43 | 2026-01-07 14:31 | Resolved | 1 - Information C A | Compliance | State Reg | MI Lender Retained Fees Test | Resolved-the undiscounted rate was provided for the discount points paid - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please specify which fee you are referring to. A satisfactory compliance report has been provided. - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the Lender Retained Fees Test. (Mich. Comp. Laws Ann. §XXX.XX(X)(b))The loan charged one or more fees prohibited under the Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction. The Department of Insurance and Financial Services has taken the position that only reasonable and necessary charges that are the actual expenses incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage can be charged in a secondary mortgage loan transaction. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXXXXXX XXXX XXX XXXXXXXX XXX XXX XXXXXXXX XXXXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9386 |  |  | Closed | 2025-12-22 23:11 | 2026-01-05 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Bank statements provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. bank statements attached. - Buyer-XX/XX/XXXX <br>Counter-Income documents to be attached - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Missing XX months bank statements - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX XXXX.XXX_XXXXX_<br> XX XXX XXX XXXX XXXXXXXXXX - XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9386 |  |  | Closed | 2025-12-22 23:11 | 2026-01-05 16:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income calculation Worksheet provided, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Income calculation Worksheet - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7604 |  |  | Closed | 2025-12-22 22:19 | 2025-12-23 13:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XX<br> Rate lock date was entered correctly – see Pg#'s XX<br> An interior and exterior appraisal was completed for this property – see pg#XX, <br> ECOA Appraisal Disclosure OR the LE's page as the page#XXX, XXX<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XX.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX.<br> XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. <br> XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. <br> XXXXX XXXXXXX XXXXXXXXXX XX XX#'XX<br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX<br> XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, <br> XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX, XXX<br> XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx7604 |  |  | Closed | 2025-12-22 22:19 | 2025-12-23 13:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XX<br> Rate lock date was entered correctly – see Pg#'s XX<br> An interior and exterior appraisal was completed for this property – see pg#XX, <br> ECOA Appraisal Disclosure OR the LE's page as the page#XXX, XXX<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XX.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX.<br> XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. <br> XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. <br> XXXXX XXXXXXX XXXXXXXXXX XX XX#'XX<br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX<br> XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, <br> XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX, XXX<br> XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx0185 |  |  | Closed | 2026-01-13 15:41 | 2026-01-13 15:49 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Updates in XX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0185 |  |  | Closed | 2025-12-23 00:23 | 2026-01-13 15:44 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. per the client: The issue appears to be the inclusion of the $XXXX Loan Origination Fee, which was not paid by the borrower and should be excluded from the Finance Charge calculation. They appear to exclude it correctly on their Initial CD audit, but then they include it on subsequent CDs. If they can re-run their testing based on this, our numbers should show a pass. - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Looking at the Mavent report provided, the Loan Origination fee was not include in the fees that are part of Finance Charges. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD uploaded - Buyer-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. Loan failed TILA finance charge of more than $XXX compared to finance charge of $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX XX.XX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXXXXXXXX XXXXXX XX.XX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX XXXX XXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0185 |  |  | Closed | 2026-01-07 08:29 | 2026-01-13 15:44 | Resolved | 1 - Information A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Duplicate finding - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X))The finance charge is $XX,XXX.XX. The disclosed finance charge of $XX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0185 |  |  | Closed | 2026-01-07 08:49 | 2026-01-13 15:44 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(XX CFR §XXXX.XX(f)(X)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXXX.XX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXXX.XX(o)(X) becomes inaccurate, as defined in §XXXX.XX.(B) The loan product is changed, causing the information disclosed under §XXXX.XX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXXX.XX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXXX.XX(f)(X)(i) no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0185 |  |  | Closed | 2026-01-07 08:49 | 2026-01-13 15:44 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA APR Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA APR test. (XX CFR §XXXX.XX(a)(X), (X) , transferred from XX CFR §XXX.XX(a)(X), (X))The annual percentage rate (APR) is XX.XXX%. The disclosed APR of XX.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0185 |  |  | Closed | 2025-12-23 00:23 | 2026-01-06 08:42 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the XXXX right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. The funding date is before the third business day following consummation - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX XX.XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0185 |  |  | Closed | 2025-12-23 00:23 | 2026-01-13 15:49 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0185 |  |  | Closed | 2025-12-23 00:23 | 2026-01-13 15:49 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXX requirements have been met and an interior appraisal was performed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XX. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXXXXXXXXXX XXXX XXXX XXX XXX XX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0185 |  |  | Closed | 2026-01-06 15:36 | 2026-01-13 15:44 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 489/344 Covered Loan Points and Fees Threshold Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the points and fees threshold test.<br> (XX XX XXX §X [XX XX §XXXX(b)(X)(X)])The total points and fees, as defined in California Financial Code § XXXX, exceed X% of the total loan amount, as defined in XXXXXX (Section XX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0185 |  |  | Closed | 2026-01-06 15:36 | 2026-01-07 15:41 | Resolved | 1 - Information A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure APR Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the XXXX XXX test. (XX CFR §XXXX.XX(a)(X), (X) , transferred from XX CFR §XXX.XX(a)(X), (X))The annual percentage rate (XXX) is XX.XXX%. The disclosed XXX of XX.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the XXX as determined in accordance with the actuarial method. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7176 |  |  | Closed | 2025-12-24 04:16 | 2026-01-07 10:21 | Resolved | 1 - Information C A | Compliance | State Reg | NJ Prohibited Fees Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see rebuttal from the XXXXX XXXXXXX on the NJ fees - XXXXXX-XX/XX/XXXX <br>Open-This loan failed the prohibited fees test.<br> (N.J.S.A. §XX:XXC-XX, N.J.A.C. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. Provide the discounted rate. It is not in the service file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see rebuttal from the XXXXX XXXXXXX on the NJ fees - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXXXXX XX XX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7176 |  |  | Closed | 2025-12-24 02:35 | 2026-01-03 05:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Document is Provided And Complete - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Title Document is Incomplete Provide an updated and complete Title, The title document in file is Incomplete. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXX XXXX XXXXX XXX XXXXXXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> X XXXXXXXXX XXXX X+X XXXXXX XXXX X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0429 |  |  | Closed | 2025-12-26 00:39 | 2026-01-08 11:08 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Waived-Exception provided for not having a copy of the senior note in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Waived-Exception provided for not having a copy of the senior note in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-No document attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-First lien note document is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX XXX XXX XXXXXX X XXXX XX XXX XXXXXX XXXX XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXXXXXXX XXXXXXXX XXX XXX XXXXXX X XXXX XX XXX XXXXXX XXXX XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XX XXXXXXXXX XXXXXX.XXX |  | XX.X% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.X%. XX.X% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.X%. XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Post-Close | Yes |
| XXXX | xxxxxx1333 |  |  | Closed | 2025-12-26 05:55 | 2026-01-12 07:59 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-received updated XXXX/XXXX - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-DTI discrepancy is due to tax and insurance, no taxes and insurance calculated/considered in senior lien. front end should be: XX.XX% back end should be: XX.XX% <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXX/XXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXXX XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1333 |  |  | Closed | 2025-12-26 05:01 | 2026-01-12 07:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX document uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Provided BX final XXXX pg-XXX is missing with Loan Originator page section - X page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9496 |  |  | Closed | 2025-12-23 23:14 | 2026-01-07 06:36 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Updated per Right to Cancel document. Provide PCCD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9496 |  |  | Closed | 2025-12-23 22:17 | 2026-01-02 07:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Approval for LTV over GL requirements of XX%. LTV is XX%. - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Approval for LTV over GL requirements of XX%. LTV is XX%. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited CLTV of XX% exceeds XXXXXXXXX CLTV of XX% Audited CLTV XX% exceeds XXXXXXXXX CLTV XX% per available guideline matrix XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXX XXX XXX XXXX XX XXXXXXXXXXXX XX XX%. XXX XX XX%. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXXXXXX XXX XXX XXXX XX XXXXXXXXXXXX XX XX%. XXX XX XX%. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXX.XXX |  | X. XXX XX XXXXX XXXXXXX XXX. <br> X. XXXXXXXX XXX XXX XXXX XX XXXXXXXXXXXX XX XX%. XXX XX XX%. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Post-Close | Yes |
| XXXX | xxxxxx9496 |  |  | Closed | 2025-12-23 22:17 | 2026-01-02 07:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Approval for LTV is XX and GL is XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited HLTV of XX% exceeds XXXXXXXXX HCLTV of XX% Audited HLTV of XX% exceeds XXXXXXXXX HLTV of XX% per available guideline matrix XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXX XXX XXX XX XX XXX XX XX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXX.XXX |  | X. XXX XX XX% XX XXXXX XXXXXXX XXX XX%. <br> X. XXXX XXXXXX XXXXX XX XXX XX XXXXXX XXXX XX XXXXX XX XXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Post-Close | Yes |
| XXXX | xxxxxx9496 |  |  | Closed | 2025-12-23 23:14 | 2026-01-07 06:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX, the appraisal disclosure was provided to the borrower pg. #XXXX confirmation the appraisal was delivered to the borrower in file page #XXX-XXX. The loan Meets HPML guideline, resolved <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX-XXX. XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0064 |  |  | Closed | 2025-12-24 04:42 | 2026-01-02 00:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-As per the matrix, XXXXXXXXX CLTV XX% is greater the Qualifying CLTV XX.X%, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited CLTV Exceeds XXXXXXXXX CLTV loan CLTV in more than the qualifying CLTV of XX% per guideline if primary residence and FICO between XXX to XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XX XXX XXX XXXXXX, XXXXXXXXX XXXX XX% XX XXXXXXX XXX XXXXXXXXXX XXXX XX.X%, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx8161 |  |  | Closed | 2025-12-24 00:45 | 2026-01-06 23:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-As per the uploaded lox, borrower paying his debt outside of escrow, LOX not required, Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provided LOX on pg - XXX states cash out is for Debt consolidation, but in file as per final CD no liabilities and no mtg payment is getting paid off. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XX XXX XXX XXXXXXXX XXX, XXXXXXXX XXXXXX XXX XXXX XXXXXXX XX XXXXXX, XXX XXX XXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx8161 |  |  | Closed | 2025-12-23 21:17 | 2026-01-01 23:53 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provided income of both borrowers in XXXX as $X,XXX.XX, whereas calculated income both borrowers is $X,XXX.XX(as per provided supporting documents to verify income). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx0306 |  |  | Closed | 2025-12-26 05:18 | 2025-12-30 01:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete As per CPA letter page #XXX, BX has XXX% ownership in business whereas Final XXXX Self-Employment marked as borrower have an ownership share of less than XX%. Provide updated Final XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0306 |  |  | Closed | 2025-12-26 07:21 | 2025-12-30 01:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Updated Final XXXX uploaded with other new mortgage lien removed , Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final XXXX page #XXX reflects other new mortgage loan XXXXXXX XXXXXXXX with monthly payment of $X,XXX but there are no documents to verify the lien but the monthly payment is included with the First lien in XXXX and lender loan information. Provide documents to verify the lien or updated document with lien removed. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXXX XXXX XXXXX XXX XXXXXXXX XXXX XXXXXXX , XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX_XXXXX_<br> XXXXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8231 |  |  | Closed | 2025-12-31 13:53 | 2026-01-06 14:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement provided. Utilized the most recent balance from the CR, p XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Xst lien Note is in file however the mortgage statement for the Xst lien is missing to verify the balance. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXXX XXXXXXXX. XXXXXXXX XXX XXXX XXXXXX XXXXXXX XXXX XXX XX, X XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX_XXXXXXXXX_XXXX XXXX XXXX XX .XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8231 |  |  | Closed | 2025-12-26 00:34 | 2026-01-06 03:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX with REO section showing subject property provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Refinance transaction, the subject property is missing from the REO section. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX XXXX XXXX XXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8231 |  |  | Closed | 2025-12-26 00:19 | 2026-01-06 01:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE provided for BX, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing VOE Missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXXXXXX XXX XX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX, XXXXX XXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2064 |  |  | Closed | 2025-12-29 00:22 | 2026-01-02 01:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Senior lien note document for subject property uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide senior/Xst lien note document for subject property missing in file.<br> (Loan has previous note in file but it is not for subject property) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXX XXXX XXXXXXXX XXX XXXXXXX XXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXX XXXXX XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7706 |  |  | Closed | 2025-12-27 08:11 | 2026-01-13 09:48 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The middle score of the primary wage earner is XXX. See screenshot of credit report. Please clear this condition - Buyer-XX/XX/XXXX <br>Counter-The Qualifying FICO on the XXXX provided is not the correct Representative Credit Score per the credit report in file. Per lender GLs the qualifying FICO is determined by selecting the Representative Credit Score for the primary wage-earner - the middle score on the credit report when X agency scores are provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. correct score is XXX. See updated XXXX. - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX provided does not match Qualifying FICO value selected per lender guideline requirements. Provide corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. correct score is XXX. See updated XXXX. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXX XXXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7706 |  |  | Closed | 2025-12-27 09:11 | 2026-01-06 07:11 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC form provided along with revised CD issued XX/XX/XX. XX report is minimal, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached last page specifies COC for Credit report fee - Buyer-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). This loan failed the charges that cannot increase test due to the Credit Report Fee that increased on the Final Closing Disclosure. There is no evidence of reimbursement in file. Upload COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX XXXXX XXXX XXXXXXX XX XXXXXX XX/XX/XX. XX XXXXXX XX XXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7706 |  |  | Closed | 2025-12-27 09:11 | 2026-01-06 07:11 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC form provided along with revised CD issued XX/XX/XX. XX report is minimal, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached last page specifies COC for Credit report fee - Seller-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. This loan failed the reimbursement amount validation test due to the Credit Report Fee that increased on the Final Closing Disclosure. There is no evidence of reimbursement in file. Upload COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached last page specifies COC for Credit report fee - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XXXXXXXX XXXXX XXXX XXXXXXX XX XXXXXX XX/XX/XX. XX XXXXXX XX XXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7706 |  |  | Closed | 2025-12-27 09:11 | 2026-01-06 07:11 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC form provided along with revised CD issued XX/XX/XX. XX report is minimal, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached last page specifies COC for Credit report fee - Seller-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test due to the Credit Report Fee that increased on the Final Closing Disclosure. There is no evidence of reimbursement in file. Upload COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached last page specifies COC for Credit report fee - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XXXXXXXX XXXXX XXXX XXXXXXX XX XXXXXX XX/XX/XX. XX XXXXXX XX XXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2371 |  |  | Closed | 2025-12-28 22:34 | 2026-01-15 10:05 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided. Update Compliance Clear - Due Diligence Vendor-XX/XX/XXXX <br>Counter- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Document is not executed and dated by Borrowers - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) As per final CD pg-XX disbursement date is on XX/XX whereas provided right to cancel document pg- XXX-XXX reflects cancel date as XX/XX (which is re-written). Disbursement date should be after cancel date. Require PCCD/final CD with corrected disbursement date after cancel date. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX. XXXXXX XXXXXXXXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9845 |  |  | Closed | 2025-12-28 22:47 | 2026-01-02 09:38 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s missing and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXXXXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9141 |  |  | Closed | 2025-12-28 23:31 | 2026-01-07 03:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-Texas T-XX Form is Missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Texas T-XX Form is misisng in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Receipt of docs doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX <br>Open-Texas Home Equity Receipt Of Documents is Missing Missing Texas Home Equity Receipt Of Documents - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX X-XX XXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX X-XX XXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XX XXXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9141 |  |  | Closed | 2025-12-28 23:31 | 2026-01-07 03:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Premium Pricing Disclosure T64 Form is Missing | Resolved-Validation resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Premium Pricing Disclosure TXX Form is Missing Missing Premium Pricing Disclosure or TXX Form - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX (X).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9840 |  |  | Closed | 2025-12-29 07:13 | 2026-01-15 17:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Escalated-XXXXXXXXX approves exception. Comp Factors: $XXXX residual income, XxXX for over XX mos on mortgage - Buyer-XX/XX/XXXX <br>Escalated-Escalating for XX Visibility - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Exception provided for CLTV of XX% where XX% is the maximum based upon FICO score.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Pls see XXX exception approval - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Audited CLTV of XX% exceeds XXXXXXXXX CLTV of XX% MAX LTV for FICO score less than XXX is XX%. Qualifying LTV is XX%. Loan file did not contain an Exception. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | $X,XXX XXXXXXXX XXXXXX, XXX XX $X,XXX<br> XXXX XXX XXXX XX XXX XX XXXXXXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9840 |  |  | Closed | 2025-12-29 01:24 | 2026-01-03 10:27 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9842 |  |  | Closed | 2025-12-29 03:01 | 2026-01-15 17:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors: XX mos reserves, $Xk residual income. - Seller-XX/XX/XXXX <br>Escalated-Escalating for XX visbility - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Pls see XXX exception approval - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The FICO is XXX. As per matrix dated XX/XX/XXXX, maximum CLTV allowed is XX% for FICO less than XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Audited CLTV of XX.XX% exceeds XXXXXXXXX CLTV of XX% As per matrix dated XX/XX/XXXX maximum CLTV allowed is XX% for fico less than XXX, where as in file qualifying fico is XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Escalated-XX approves exception. Comp Factors: XX mos reserves, $Xk residual income. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XX XXXXXX XXXXXXXX<br> $XX XXXXXXXX XXXXXX, XXX XX $X,XXX<br> XXXX XXX XXXXXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9842 |  |  | Closed | 2026-01-05 12:16 | 2026-01-15 17:04 | Waived | 2 - Non-Material A B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors: XX mos reserves, $Xk residual income, XxXX mtg history. - Seller-XX/XX/XXXX <br>Escalated-Escalating for XX visibility - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Pls see XXX exception approval. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-This finding is rescinded to avoid duplication and the finding for Audited CLTV Exceeds XXXXXXXXX CLTV Requirements is left open. Rescinded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Audited CLTV Exceeds XXXXXXXXX CLTV The FICO is XXX. As per matrix dated XX/XX/XXXX, maximum CLTV allowed is XX% for FICO less than XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Escalated-XX approves exception. Comp Factors: XX mos reserves, $Xk residual income, XxXX mtg history. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXXXXX XX XXXXXXXXX XX XXXXX XXXXXXXXXXX XXX XXX XXXXXXX XXX XXXXXXX XXXX XXXXXXX XXXXXXXXX XXXX XXXXXXXXXXXX XX XXXX XXXX. XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XX XXXXXX XXXXXXXX<br> $XX XXXXXXXX XXXXXX, XXX XX $X,XXX<br> XXXX XXX XXXXXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9842 |  |  | Closed | 2025-12-29 00:59 | 2026-01-06 01:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report is not required as per guidelines hence condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-This is not required per XXX guidelines, pls waive - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Gap Credit Report is missing in file, require gap report with in XX days of closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXX XX XXX XXXXXXXX XX XXX XXXXXXXXXX XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9842 |  |  | Closed | 2025-12-29 01:45 | 2026-01-05 12:08 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly.All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'XX. Rate lock date was entered correctly – see Pg#'s XX. An interior and exterior appraisal was completed for this property – see pg#XX. ECOA Appraisal Disclosure - see page#XXX. Confirmation the appraisal was delivered to the borrower – see Pg#'s XX, XXX. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX.XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#'XX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX. XXXX XXXXXXXXX XXXXXXXXXX - XXX XXXX#XXX. XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX, XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9846 |  |  | Closed | 2025-12-28 23:45 | 2026-01-03 12:44 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9843 |  |  | Closed | 2025-12-29 00:44 | 2026-01-04 19:46 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9849 |  |  | Closed | 2025-12-30 00:25 | 2026-01-11 14:38 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX with corrected qualifying FICO provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-UPDATED XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO from the Credit Liabilities Page does not match Qualifying FICO entries on XXXX provided. Provide XXXX with the correct Qualifying FICO value. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXXXXX XXXXXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9572 |  |  | Closed | 2025-12-30 00:47 | 2026-01-08 13:37 | Resolved | 1 - Information C A | Compliance | Mavent | VA Fee Not Allowed- Electronic Document Delivery Fee (Fee ID: 127) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Does not apply to Xnd mortgages: § X.X-XXX. Charges allowed on loan secured by subordinate mortgage.<br>A. Any lender making a loan secured by a subordinate mortgage or deed of trust may require the borrower to pay, in addition to the loan fee and interest permitted by § X.X-XXX, the actual cost of a credit report, title examination, title insurance, mortgage guaranty insurance, recording fees, surveys, attorney fees, appraisal fees, and a fee to determine if the property securing the loan is located in a special flood hazard area. No other charges of any kind shall be imposed on or be payable by the borrower either to the lender or any other party in connection with such loan other than:<br>X. A fee charged by the settlement agent as defined in § XX.X-XXXX<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Section X.X-XXX of the Virginia Interest and Usury Provisions does not allow Electronic Document Delivery Fee (Fee ID: XXX) to be charged to the Borrower in VA. VA State not allowed Electronic Document Delivery Fee - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9572 |  |  | Closed | 2025-12-30 00:47 | 2026-01-08 13:37 | Resolved | 1 - Information C A | Compliance | Mavent | VA Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Does not apply to Xnd mortgages: § X.X-XXX. Charges allowed on loan secured by subordinate mortgage.<br>A. Any lender making a loan secured by a subordinate mortgage or deed of trust may require the borrower to pay, in addition to the loan fee and interest permitted by § X.X-XXX, the actual cost of a credit report, title examination, title insurance, mortgage guaranty insurance, recording fees, surveys, attorney fees, appraisal fees, and a fee to determine if the property securing the loan is located in a special flood hazard area. No other charges of any kind shall be imposed on or be payable by the borrower either to the lender or any other party in connection with such loan other than:<br>X. A fee charged by the settlement agent as defined in § XX.X-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Section X.X-XXX of the Virginia Interest and Usury Provisions does not allow Flood Certification Fee (Fee ID: XXX) to be charged to the Borrower in VA. VA State not allowed Flood Certification Fee - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9560 |  |  | Closed | 2025-12-30 01:30 | 2026-01-14 07:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Condo questionnaire provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-HOA Questionnaire is Missing or Partial. Missing Condo Questionnaire - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXXXXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXX XXXX (X).XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0968 |  |  | Closed | 2025-12-30 04:45 | 2026-01-08 07:29 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX provided w/ updated FICO score. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached. - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. FICO per XXXX is XXX, however the qualifying FICO was XXX. Provide updated XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX X/ XXXXXXX XXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0968 |  |  | Closed | 2026-01-06 13:47 | 2026-01-06 13:51 | Resolved | 1 - Information A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (XX CFR §XXXX.XX(f)(X)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than 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; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXX.XX(f)(X)(ii), if the disclosures provided under §XXXX.XX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0968 |  |  | Closed | 2025-12-30 06:04 | 2026-01-06 13:47 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0968 |  |  | Closed | 2025-12-30 06:04 | 2026-01-06 13:47 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0968 |  |  | Closed | 2025-12-30 06:04 | 2026-01-06 13:47 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0968 |  |  | Closed | 2025-12-30 06:04 | 2025-12-30 06:20 | Resolved | 1 - Information A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. With in X business days. Rescinded - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXX XXXXXX XXX XXXX XXXXX XX XXXXXXXXXX XXXX.XXXXXX-XXX (XX XXX §XXXX.XX(X)(X) , XXXXXXXXXXX XXXX XX XXX §XXX.XX(X)(X)), XXXX-XXX (XX XXX §XXXX.XX(X)(X) , XXXXXXXXXXX XXXX XX XXX §XXX.XX(X)(X))XXX XXXXXXX XXXX XX XXXXXX XXX XXXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXXXX.XXX XXXXXXXX XXX XXXXXXXX XXX XXXXX XX XXXXXXX XXXXX XXXXXXXX XX XXX XXXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXXXX, XXXXXXXX XX XXX XXXXXX XXXXXXXX XX XX XXX §XXXX.XX XX §XXXX.XX, XX XXXXXXXX XX XXX XXXXXXXX XXXXXXXXXXX, XXXXXXXXX XXXXXX XXXX. XXXX XX X XXXXXXXX XXXX. XXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0525 |  |  | Closed | 2026-01-06 06:37 | 2026-01-09 12:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Lender provided fully executed NRTC. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Right of Rescission is Missing Missing Right of Rescission disclosure. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0525 |  |  | Closed | 2025-12-31 07:54 | 2026-01-09 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-XXXX confirms borrower's qualifying income. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see UW comments on the attached. - Buyer-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX XXXXXXXX'X XXXXXXXXXX XXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0525 |  |  | Closed | 2025-12-31 08:10 | 2026-01-08 03:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Gap report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1542 |  |  | Closed | 2025-12-30 23:47 | 2026-01-08 07:35 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved. Updated liability line items including auto payments which factors in the DTI. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X. All monthly liabilities add up to $XXXX + $XXX from rent loss on XXX XXXX XX. We used XX% rental income of $XXXX- $XXXX-= -$XXX.<br> X. The monthly liabilities include all debts= $XXX+$XXX+$XX+$XX+$XXX+$XXX+$XX+$XX+$XX+$X= $XXXX<br> X. $XXXX+ $XXX= $XXXX. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The calculated Total All Monthly Payments is $X,XXX (Other REO Net Rental Loss $XXX + Total Other Monthly Debt $XXXX) in which the tradelines "XXXXXX XXXXXXXXX & XXXXX XXXXXX" have been excluded due to less than XX installment payments but the XXXX reflects Total All Monthly Payments as $X,XXX. Also, due to the revised XXXX Finding, updated net rental income may be a factor for the investment property. Provide updated XXXX document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-X. All monthly liabilities add up to $XXXX + $XXX from rent loss on XXX XXXX XX. We used XX% rental income of $XXXX- $XXXX-= -$XXX.<br> X. The monthly liabilities include all debts= $XXX+$XXX+$XX+$XX+$XXX+$XXX+$XX+$XX+$XX+$X= $XXXX<br> X. $XXXX+ $XXX= $XXXX. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXXX XXXXXXXXX XXXX XXXXX XXXXXXXXX XXXX XXXXXXXX XXXXX XXXXXXX XX XXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1542 |  |  | Closed | 2025-12-31 00:30 | 2026-01-08 07:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Resolved. Updated liability line items including auto payments which factors in the DTI. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please check again. The XXX XXXX XXXXXX is listed on the REO of the XXXX. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete The mortgage statement page #XXX for the Investment property at XXX XXXX XX is financed with XX/XXX/XX #XXXX $X,XXX.XX which is not reflected on the REO section of the Final XXXX. Provide an updated Final XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please check again. The XXX XXXX XXXXXX is listed on the REO of the XXXX. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX. XXXXXXX XXXXXXXXX XXXX XXXXX XXXXXXXXX XXXX XXXXXXXX XXXXX XXXXXXX XX XXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX_XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9198 |  |  | Closed | 2025-12-31 00:17 | 2026-01-09 04:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested final XXXX with XX%+ ownership selection in business provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Borrower Having XXX% Ownership as per CPA on Page No XXX But XXXX Reflects Ownership as less than XX% Provide Updated XXXX Final with correct information. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXX XXXX XXXX XX%+ XXXXXXXXX XXXXXXXXX XX XXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6500 |  |  | Closed | 2026-01-07 13:04 | 2026-01-21 10:52 | Resolved | 1 - Information A | Credit | Missing Doc | Missing income documentation | Resolved-Final XX provided verifying $X,XXX.XX net rental loss. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached final XX for XX XXXXXX with XXXXXXXXX. - Buyer-XX/XX/XXXX <br>Open-Missing payment letter or Final XX to verify PITIA for net rental loss for new Other REO XX XXXXXX with XXXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXX XX XXXXXXXX XXXXXXXXX $X,XXX.XX XXX XXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX_XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7651 |  |  | Closed | 2026-01-02 01:12 | 2026-01-22 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see the attached VOE - Buyer-XX/XX/XXXX <br> Counter-the income for XXXX was used to qualify the borrower. If you look at the XXXX provided you will see XXXX in the income section. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. This item is not listed on either the initial or final XXXX. It appears to have been uploaded in error, and the income reflected was not used to approve the borrower. As such, this documentation is not required. - Buyer-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing Given WVOE page #XXXX for the company XXXXX XXXXX is of XX days, per guidelines required VOE within XX days. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX_XXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7651 |  |  | Closed | 2026-01-06 17:44 | 2026-01-22 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached Profit and Loss (P&L) statement. This documentation satisfies the requirement; no additional documentation is needed when a P&L is provided. - Buyer-XX/XX/XXXX <br>Open-Missing the lender's income worksheet for Realtor - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X &X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7651 |  |  | Closed | 2026-01-02 04:22 | 2026-01-06 17:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX- XX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX, XX- XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7390 |  |  | Closed | 2026-01-02 05:24 | 2026-01-22 06:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Buyer-XX/XX/XXXX <br>Counter-Worksheet provided does not match the bank account # or statements in file for XXXX XXXXXXX XXXX (XXXXX XXXXX XXXXX)., per final XXXX monthly income of $XXXX.XX does not match the worksheet provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the blue diamond worksheet - Buyer-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide income calc worksheet for borrower Xrd employer - XXXX XXXXXXX XXXX (XXXXX XXXXX XXXXX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX XXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0619 |  |  | Closed | 2026-01-02 10:47 | 2026-01-12 02:42 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Provided XXXX shows corrected FICO. Updated & Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXX , but the Qualifying FICO from the credit liabilities page is 'XXX'. Qualifying FICO method Considered as Primary Wage Earner Mid Score per GLs. BX is the Primary Wage Earner with a mid score of XXX. BX's mid score is XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXX XXXXX XXXXXXXXX XXXX. XXXXXXX & XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9975 |  |  | Closed | 2026-01-02 03:43 | 2026-01-07 07:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Loan Amount of $XXXXXX is less than or equal to the XXXXXXXXX Maximum Loan Amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-As per XX/XX/XXXX XXXXXXXXX matrix allowable Maximum loan amount is $XXX,XXX, however the audited loan amount is $XXX,XXX, which meets XXXXXXXXX requirements. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXX XX $XXXXXX XX XXXX XXXX XX XXXXX XX XXX XXXXXXXXX XXXXXXX XXXX XXXXXX XX $XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XX XXX XX/XX/XXXX XXXXXXXXX XXXXXX XXXXXXXXX XXXXXXX XXXX XXXXXX XX $XXX,XXX, XXXXXXX XXX XXXXXXX XXXX XXXXXX XX $XXX,XXX, XXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9143 |  |  | Closed | 2026-01-02 12:16 | 2026-01-15 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX and final XXXX do not have to match. See XXXX with correct income figures we used. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Borrower X bonus income of $X,XXX is reflected on the Final XXXX but is missing in XXXX.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX and final XXXX do not have to match. See XXXX with correct income figures we used. - Seller-XX/XX/XXXX<br>| _XXXXX_ | XXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9143 |  |  | Closed | 2026-01-02 08:36 | 2026-01-12 21:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing The Borrower X Xrd Party VOE within XX days Prior to Close is Missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX, XXXXX XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9143 |  |  | Closed | 2026-01-02 08:36 | 2026-01-12 21:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Xrd Party VOE prior to close is missing in file for borrower X and borrower X. As per latest XXXXXXXXXX version XX/XX/XXXX and page #XX we need VVOE with in XX business days of closing but for both borrowers VVOE is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9143 |  |  | Closed | 2026-01-02 09:14 | 2026-01-12 02:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Requested RCE provided for hazard insurance policy with XXX% RCE, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXX% Replacement cost cov-legally cannot share that. Please see email and clear. - Buyer-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Hazard insurance coverage amount is $XXX,XXX in hazard insurance and we per page #XXX we XXX% RCE, it comes as total of $XXX,XXX only but loan amount is $XXX,XXX and Xst lien amount is $XXX,XXX, total amount is $X,XXX,XXX, we need updated hazard insurance policy. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXXXXX XXX XXXXXX XXXXXXXXX XXXXXX XXXX XXX% XXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9618 |  |  | Closed | 2026-01-05 22:25 | 2026-01-12 09:59 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Provided XXXX shows corrected FICO. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. FICO per XXXX is XXX v qualifying FICO of XXX. Provide updated XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXX XXXXX XXXXXXXXX XXXX. XXXXXXX & XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9618 |  |  | Closed | 2026-01-05 23:04 | 2026-01-12 03:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-XXXXX Home Equity Receipt Of Documents provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXX disclosures uploaded for review. - Buyer-XX/XX/XXXX <br>Open-XXXXX Home Equity Receipt Of Documents is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXXXXX XXXXXXX XX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9618 |  |  | Closed | 2026-01-05 23:04 | 2026-01-12 03:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Discount Point Acknowledgment is Missing | Resolved-XXXXX Home Equity Discount Point Acknowledgment provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXX disclosures uploaded for review. - Buyer-XX/XX/XXXX <br>Open-XXXXX Home Equity Discount Point Acknowledgment is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXXXXX XXXXXXXX XXXXX XXXXXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9479 |  |  | Closed | 2026-01-06 00:13 | 2026-01-27 09:34 | Resolved | 1 - Information C A | Compliance | Interest:DaysInYear | South Carolina - Days Used For Interest Calculation | Resolved-Compliance details updated as Periodic XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Days in Year Number used to calculate the interim interest is (XXX.X). The XXXXX XXXXXXXXXX Consumer Protection Code requires XXX days, or XXX in a leap year, used for the interest calculation. (X.X. Code Ann. XX-X-XXX(X)) Compliance details updated as Periodic XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXX XXXXXXX XX XXXXXXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9479 |  |  | Closed | 2026-01-06 00:13 | 2026-01-08 14:04 | Resolved | 1 - Information A | Compliance | Mavent | License: Loan Originator | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-A relationship between XXXXXXXX XXXXXX (NMLS ID: XXXXXXX) and the company (Company NMLS ID: XXXXXXX) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. Entered - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-X XXXXXXXXXXXX XXXXXXX XXXXXXX XXXXXX (XXXX XX: XXXXXXX) XXX XXX XXXXXXX (XXXXXXX XXXX XX: XXXXXXX) XXXX XXX XXXXX XX XXX XXXX XXXXXXXX XXXXXX XX XX XXXX-XX-XX. XXXXXXX, XXXXX XXXXXXXXXXXX(X) XXXX XXXXX XX XXX XXXX XXXXXXXX XXXXXX XXX XXXX XXXXXXXXXX XXX XXX XX XXXXX XX XXX XXXX XXXX XXXXXXX. XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9479 |  |  | Closed | 2026-01-06 00:13 | 2026-01-08 14:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Re-ran mavent- resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-re ran compliance- resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX-XXX XXXXXX- XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XX XXX XXXXXXXXXX- XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9440 |  |  | Closed | 2026-01-05 23:41 | 2026-01-08 12:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is escrowing first lien, first lien loan information is on Pg#XXX and the Final Closing disclosure on Pg# XX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XX for delivery confirmation. The loan meets HPML guidelines<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX XXXXX XXXX, XXXXX XXXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX# XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8772 |  |  | Closed | 2026-01-05 23:55 | 2026-01-21 15:48 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-We do not require COCS for lender credit INCREASES...please clear this - Seller-XX/XX/XXXX <br>Counter-Provide COC for Lender credit increase at Initial CD. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X,XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Provide COC for Lender credit increase at Initial CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-We do not require COCS for lender credit INCREASES...please clear this - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXX XXX XX.XX.XX XXX XX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8772 |  |  | Closed | 2026-01-05 23:58 | 2026-01-21 10:26 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. exception granted - Buyer-XX/XX/XXXX <br>Open-Cash Out is not completed according to the XXXXXXXXX requirements Max. cash out is $XXX,XXX as per X/X, but Borrower is exceeding Cash out amount and no Exception for it. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXX.XXX |  | \*X.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> \*XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX XXXXX. <br> \*XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX | XX | Second Home | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx8772 |  |  | Closed | 2026-01-05 23:11 | 2026-01-13 11:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Formal exception in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX agrees with this exception - Seller-XX/XX/XXXX <br>Open-Audited Loan Amount of $XXXXXXX is greater than the XXXXXXXXX Maximum Loan Amount of $XXXXXX Lender provided approved exception in file, p. XXX, approved for loan amount $X M vs $XXXK per scenario desk email. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-XX agrees with this exception - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXX XXXXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | \*X.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> \*XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX XXXXX. <br> \*XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX | XX | Second Home | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx9766 |  |  | Closed | 2026-01-05 22:45 | 2026-01-14 00:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business Narrative document provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached Business narrative - Buyer-XX/XX/XXXX <br>Open-Provide Business Narrative Missing in File. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXX XXXXXX X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9766 |  |  | Closed | 2026-01-06 00:39 | 2026-01-06 01:27 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s N/A and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg X, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX X, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9766 |  |  | Closed | 2026-01-06 00:39 | 2026-01-06 01:27 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s N/A and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg X, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX X, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9502 |  |  | Closed | 2026-01-04 20:57 | 2026-01-12 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please find the monthly tax calculation broken down from the Xst mortgage statement to show where the figure is calculated from. Thank you - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax As per lender loan information sheet and Final CD monthly tax amount is $XXX.XX but as per provided tax certificate monthly tax amount is $XXX.XX which is not matching. Provide updated tax document. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XX XXXXXXXX XXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9502 |  |  | Closed | 2026-01-04 23:05 | 2026-01-12 10:52 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-disclosure tracking provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please find the initial CD with proof of electronic receipt on the last page of the pdf. Thank you - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The Initial Closing Disclosure was provided on (XXXX-XX-XX) via (Other). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XXXX-XX-XX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XXXX-XX-XX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XXXXXXXX), for consummation to occur on (XXXX-XX-XX). (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) Initial CD is not signed by borrower and no required document provided to verify. Finding created for the same. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9502 |  |  | Closed | 2026-01-06 02:12 | 2026-01-12 02:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested executed initial CD provided, updated & condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please find initial cd with proof of electronic receipt attached. Thank you - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD is in file but not signed by the borrower. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXXX XXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0176 |  |  | Closed | 2026-01-08 07:20 | 2026-01-16 13:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-XXXXXXXXX Self-Employed Business Narrative Form (or equivalent) is required of each business. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | _XXXXX_ | XXXXXXX XXXXX- XXX XXXXXXXX- X-X XXXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0176 |  |  | Closed | 2026-01-05 23:28 | 2026-01-08 07:16 | Resolved | 1 - Information A | Compliance | Points & Fees | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX XXX XX.XX higher-priced mortgage loan test. (XX XXX XX.XX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.While the Code of Massachusetts Regulations provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page X, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XXX XXX XX.XX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX XXX XX.XX)XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXX XX XXXXXXXXXXXXX XXXXXXXXXXX.XXXXX XXX XXXX XX XXXXXXXXXXXXX XXXXXXXXXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX X, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0176 |  |  | Closed | 2026-01-05 23:28 | 2026-01-08 07:16 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page X, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX X, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1224 |  |  | Closed | 2026-01-23 10:28 | 2026-01-23 14:19 | Waived | 2 - Non-Material C B | Compliance | State Reg | NJ Second Lien Prohibited Fees Test | Waived-Although the Title - Admin / Processing Fee appears to violate the XX Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. Appropriate to Waive as a B Grade - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the second lien prohibited fees test.<br> (X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXXXXXX XXX XXXXX - XXXXX / XXXXXXXXXX XXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX. XXXXXXXXXXX XX XXXXX XX X X XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx1224 |  |  | Closed | 2026-01-06 06:29 | 2026-01-23 10:28 | Resolved | 1 - Information C A | Compliance | State Reg | NJ Prohibited Fees Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded lox from lender and compliance report - XXXXXX-XX/XX/XXXX <br>Open-This loan failed the prohibited fees test.<br> (X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. Per XX statute (X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X) admin/processing fee in section C is not allowed to be charged to the borrower. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded lox from lender and compliance report - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1224 |  |  | Closed | 2026-01-09 06:56 | 2026-01-23 08:15 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Initial XXXX executed by the LO original provided, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX <br>Open-Section X of the initial XXXX is not executed by the LO individual. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XX XXX XX XXXXXXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXX XXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8180 |  |  | Closed | 2026-01-07 02:25 | 2026-01-14 12:45 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). On Final CD the title charges - section C has been moved to section B and Section E.Taxes and Other Government Fees has been increased to $XXX from $XXX Initial CD. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX_XXXXX_<br> X XXXXX XX X.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> X XXXXX XX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8180 |  |  | Closed | 2026-01-14 09:27 | 2026-01-14 12:45 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8180 |  |  | Closed | 2026-01-14 09:27 | 2026-01-14 12:45 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8180 |  |  | Closed | 2026-01-07 02:25 | 2026-01-14 12:33 | Resolved | 1 - Information C A | Compliance | State Reg | NJ Prohibited Fees Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-WE do not see any prohibited fees here. If there is one, please specify which. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the prohibited fees test.<br> (X.X.X.X. §XX:XXC-XX, X.X.X.X. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. Compliance failed for XX PROHIBITED FEES TEST - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-WE do not see any prohibited fees here. If there is one, please specify which. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8180 |  |  | Closed | 2026-01-07 02:47 | 2026-01-14 09:27 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Compliance failed for REIMBURSEMENT AMOUNT TEST for insufficient tolerance cure. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX_XXXXX_<br> X XXXXX XX X.XXX_XXXXX_<br> XXX.XXX_XXXXX_<br> X XXXXX XX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8180 |  |  | Closed | 2026-01-07 02:25 | 2026-01-14 09:13 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Initial LE is on pg#XXX is showing Point discount fee of $X,XXX, whereas on initial CD pg#XXX and Final CD pg#XXX the discount fee has been increased to $X,XXX. without a valid change of circumstances. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> X XXXXX XX X.XXX_XXXXX_<br> X XXXXX XX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8180 |  |  | Closed | 2026-01-07 02:25 | 2026-01-14 12:45 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XXX, ECOA Appraisal Disclosure OR the LE's page as the page#XXX, XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XXX, ECOA Appraisal Disclosure OR the LE's page as the page#XXX, XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX-XXX, XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX, XXX, XXX, XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX . XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX-XXX, XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX, XXX, XXX, XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX . XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2598 |  |  | Closed | 2026-01-06 04:18 | 2026-01-09 01:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX uploaded with corrected qualifying income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Provided final XXXX pg-XXX reflecting borrower's base income as $X,XXX.XX , Commission income as $XX,XXX.XX and Asset utilization as $X,XXX.XX, whereas calculated base income as $X,XXX.XX, Commission income as $XX,XXX.XX and Asset utilization as $X,XXX.XX. Require updated final XXXX with corrected income values. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXXX XXXX XXXXXXXXX XXXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx1667 |  |  | Closed | 2026-01-08 10:37 | 2026-01-10 09:18 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved-Received Post CD with partial payment completed Updated TRID and Post CD page and reran compliance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Partial Payment box on page XX is not checked off - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXX XX XXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXXXX XXXX XXX XXXX XX XXXX XXX XXXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9403 |  |  | Closed | 2026-01-07 05:15 | 2026-01-14 05:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Resolved, Updated with statement provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please find the real estate tax calculation attached. Thank you - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Provide updated Tax Cert. Discrepancy in Tax amount from tax cert $XX.XX to XXXX $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX, XXXXXXX XXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXXXXXX XXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9403 |  |  | Closed | 2026-01-07 03:42 | 2026-01-14 04:38 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Undisclosed debt monitoring uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please find the undisclosed debt monitoring to address the gap credit report attached. Thank you - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Provided updated Borrower X Gap Credit Report is Expired. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXX XXXX XXXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7533 |  |  | Closed | 2026-01-12 14:00 | 2026-01-27 16:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Only one signature needed, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Counter-Updated: The business entity search provided for VVOE condition shows XX. Therefore, we need XXXX signature on the business narrative. - Due Diligence Vendor-XX/XX/XXXX <br> Counter-We do not have the operating agreement and/or other partnership document to verify the managing member. If the signature is from the managing member. Provide copy with Borrower X's signature on the business narrative as income for XXXX is used in the transaction as well OR business entity documentation that verifies XXXX is the XX. <br> - Due Diligence Vendor-XX/XX/XXXX <br> Counter-Provide copy with Borrower X's signature on the business narrative as income for XXXX is used in the transaction as well. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Per UW: XXXX/XXXX own the company XX%/XX% so only need one in this case. Please clear. - Seller-XX/XX/XXXX <br> Open-Missing executed Business Narrative for Borrower X. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Per UW: XXXX own the company XX%/XX% so only need one in this case. Please clear. - Seller-XX/XX/XXXX | XXXXXXXX-XXXX XXX XXXXXXXXX XXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7533 |  |  | Closed | 2026-01-12 14:24 | 2026-01-21 10:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline requirements | Resolved-XXX FICO confirmed, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXX is fico used - Seller-XX/XX/XXXX <br>Open-Audited FICO of XXX is less than XXXXXXXXX FICO of XXX Qualifying FICO: Mid score of primary wage earner. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXX is fico used - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7533 |  |  | Closed | 2026-01-12 13:23 | 2026-01-21 10:28 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXX is the correct score - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO: Mid score of primary wage earner per matrix. The mid score is XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXX is the correct score - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7533 |  |  | Closed | 2026-01-12 14:00 | 2026-01-21 10:06 | Resolved | 1 - Information C A | Credit | Credit | Missing verbal verification of employment | Resolved-Business entity search dated XX/XX/XX provided within X day of closing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Verification of business existence required within XX business days of closing for borrower X and borrower X. <br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXX XXXXXX XXXXX XX/XX/XX XXXXXXXX XXXXXX X XXX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7533 |  |  | Closed | 2026-01-07 02:23 | 2026-01-12 14:18 | Resolved | 1 - Information A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.(XXXXXX XXXXXX XX XXX XXXXXXXXX XX XXXXX XXX XXXXXXXXX XXX XXXXXXX XXXXXXXX XXXX XXXXX XXXX) | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7533 |  |  | Closed | 2026-01-07 02:23 | 2026-01-12 14:18 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not escrowing (Xnd lien), escrow disclosures and loan information is on N/A and the Final Closing disclosure on Pg#'s XXX,. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.(Escrow waiver is not mandatory as taxes and insurance are already escrowed with first lien) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXX XXXXXXXXX (XXX XXXX), XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX,. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.(XXXXXX XXXXXX XX XXX XXXXXXXXX XX XXXXX XXX XXXXXXXXX XXX XXXXXXX XXXXXXXX XXXX XXXXX XXXX) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0275 |  |  | Closed | 2026-01-10 04:48 | 2026-01-13 12:48 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page N/A and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0275 |  |  | Closed | 2026-01-10 04:48 | 2026-01-13 12:48 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page N/A and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9885 |  |  | Closed | 2026-01-14 00:15 | 2026-01-15 07:55 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX and copy of the appraisal was given to the borrower – see Pg XXX for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX XXX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9885 |  |  | Closed | 2026-01-14 00:15 | 2026-01-15 07:55 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, California Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX and copy of the appraisal was given to the borrower – see Pg XXX for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX . XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX XXX XXX XXXXXXXX XXXXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9890 |  |  | Closed | 2026-01-13 06:16 | 2026-01-26 16:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors:<br> Credit Score is XXX. Minimum required per guidelines is XXX.<br> Residual Income is $X,XXX.XX. Minimum Residual Income required per guidelines is $X,XXX. <br> Reserves XX mos - Seller-XX/XX/XXXX <br>Escalated-Escalating for XX Visibility - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Lender exception provided. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Audited CLTV Exceeds XXXXXXXXX CLTV Unpaid bal considered from mortgage statement. CLTV calc : previous Xst lien bal $XXX,XXX.XX+ current loan amount $XXX,XXX/appraisal $XXX,XXX\*XXX. = XX.XX%, whereas per g/ls dated XX.XX.XXXX max CLTV is XX%. <br> Duplicate rescinded.<br> - Due Diligence Vendor-XX/XX/XXXX | Escalated-XX approves exception. Comp Factors:<br> Credit Score is XXX. Minimum required per guidelines is XXX.<br> Residual Income is $X,XXX.XX. Minimum Residual Income required per guidelines is $X,XXX. <br> Reserves XX mos - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXX XXXX XXXXXXX XXXXXXXXX XXXX XXXXXX XXX XXXXXXXXXX XXXX XXXXXXXX XXXXXXXXX. XXXX XXXX : XXXXXXXX XXX XXXX XXX $XXX,XXX.XX+ XXXXXXX XXXX XXXXXX $XXX,XXX/XXXXXXXXX $XXX,XXX\*XXX. = XX.XX%, XXXXXXX XXX X/XX XXXXX XX.XX.XXXX XXX XXXX XX XX%. <br> XXXXXXXXX XXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> XXXXXXXX XXXXXX XX $X,XXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $X,XXX. | XX | Investment | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9890 |  |  | Closed | 2026-01-13 03:54 | 2026-01-26 16:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors:<br> Credit Score is XXX. Minimum required per guidelines is XXX.<br> Residual Income is $X,XXX.XX. Minimum Residual Income required per guidelines is $X,XXX. <br> Reserves XX mos - Buyer-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors:<br> Credit Score is XXX. Minimum required per guidelines is XXX.<br> Residual Income is $X,XXX.XX. Minimum Residual Income required per guidelines is $X,XXX. <br> Reserves XX mos - Buyer-XX/XX/XXXX <br>Escalated-Escalating for XX Visibility - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Lender exception provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-exception form - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% Audited CLTV of XX.XX% exceeds Guideline max CLTV of XX%<br> Unpaid bal updated from Xst lien UPB - VOM pg XXX<br> $XXX,XXX.XX + $XXX,XXX(sub loan amount)/ $XXX,XXX(appraised value) = X.XXXX - XX.XX%, - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  | XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> XXXXXXXX XXXXXX XX $X,XXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $X,XXX. | XX | Investment | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9890 |  |  | Closed | 2026-01-13 03:54 | 2026-01-26 16:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-XX approves exception. Comp Factors:<br> Credit Score is XXX. Minimum required per guidelines is XXX.<br> Residual Income is $X,XXX.XX. Minimum Residual Income required per guidelines is $X,XXX. <br> Reserves XX mos - Buyer-XX/XX/XXXX <br>Escalated-Escalating for XX Visibility - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Lender exception provided. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Audited HLTV of XX.XX% exceeds Guideline HCLTV of XX% Audited CLTV of XX.XX% exceeds Guideline CLTV of XX%<br> Duplicate rescinded - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXX XXXX XX XX.XX% XXXXXXX XXXXXXXXX XXXXX XX XX% XXXXXXX XXXX XX XX.XX% XXXXXXX XXXXXXXXX XXXX XX XX%<br> XXXXXXXXX XXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> XXXXXXXX XXXXXX XX $X,XXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $X,XXX. | XX | Investment | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9881 |  |  | Closed | 2026-01-13 07:25 | 2026-01-20 00:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-As per the GL's, there is no requirement of the Lease agreement, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please waive. Our guidelines do not require lease agreement. XXXXXXXXX reviews based on our guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open-For XXXXXXXXX Equity Advantage Loans Lease in Place can't be blank, No or NA Per appraisal sub prop is tenant occupied. Provide a copy of the lease - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX XXX XXX XX'X, XXXXX XX XX XXXXXXXXXXX XX XXX XXXXX XXXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9881 |  |  | Closed | 2026-01-13 07:49 | 2026-01-20 00:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower X YTD Profit & Loss uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X YTD Profit & Loss Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-P & L - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X YTD Profit & Loss Missing Missing Borrower X YTD Profit & Loss - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX X XXX XXXXXX & XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX & XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9898 |  |  | Closed | 2026-01-13 02:35 | 2026-01-20 08:02 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The Xst lien P&I as per Note pg#XXX is $XXXX.XX, whereas XXXX is showing $X,XXX.XX. Due to the calculated DTI is XX.XX% ,whereas DTI on XXXX is XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9900 |  |  | Closed | 2026-01-13 06:52 | 2026-01-23 05:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-The explanation received stated the initial CD date XX/XX was an error. The document was executed by borrowers XX/X. Included the initial CD with dates XX/X. Ran compliance, result "minimal". Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-LOE attached - Due Diligence Vendor-XX/XX/XXXX <br>Counter-The initial CD provided is a duplicate dated XX/XX/XX (post close). The CD receipt date is XX/X/XXXX. The CD date issued should be prior to or the same as receipt date. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-ICD - Due Diligence Vendor-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXXXXX XXXXXXXX XXXXXX XXX XXXXXXX XX XXXX XX/XX XXX XX XXXXX. XXX XXXXXXXX XXX XXXXXXXX XX XXXXXXXXX XX/X. XXXXXXXX XXX XXXXXXX XX XXXX XXXXX XX/X. XXX XXXXXXXXXX, XXXXXX "XXXXXXX". XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9888 |  |  | Closed | 2026-01-13 02:11 | 2026-01-13 02:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XX<br> Rate lock date was entered correctly – see Pg#'s XXX<br> An interior and exterior appraisal was completed for this property – see pg#XX, <br> ECOA Appraisal Disclosure OR the LE's page as the page#XXX.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXX<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX.<br> XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. <br> XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. <br> XXXXX XXXXXXX XXXXXXXXXX XX XX#'XX<br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX<br> XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, <br> XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX.<br> XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9888 |  |  | Closed | 2026-01-13 02:11 | 2026-01-13 02:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX XXX higher-priced mortgage loan test. (XX XXX XXX, XXXXXXXXXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX Financial Code.While the XXXXXXXXXX Financial Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'XX<br> Rate lock date was entered correctly – see Pg#'s XXX<br> An interior and exterior appraisal was completed for this property – see pg#XX, <br> ECOA Appraisal Disclosure OR the LE's page as the page#XXX.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXX<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX.<br> XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. <br> XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. <br> XXXXX XXXXXXX XXXXXXXXXX XX XX#'XX<br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX<br> XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, <br> XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX.<br> XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1893 |  |  | Closed | 2026-01-15 17:08 | 2026-01-28 10:23 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal missing from loan file. | Resolved-There was a appraisal report providing the XXXX along with property information. The finding is resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Both a full appraisal and AVM were uploaded in the initial package. Is the property condition report something else?<br>Please advise.<br> - Buyer-XX/XX/XXXX <br>Counter-We already have the AVM but the guidelines ask for a property condition report also. Provide the Property Condition report. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Missing the property condition report - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXX X XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXX XXXXX XXXX XXXXXXXX XXXXXXXXXXX. XXX XXXXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1893 |  |  | Closed | 2026-01-11 21:00 | 2026-01-26 02:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lo Sign missing in Initial XXXX, Provided updated Initial XXXX with Lo sign, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Initial XXXX was marked as missing as the initial XXXX provided is not signed by the originator - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX XXXX XXXXXXX XX XXXXXXX XXXX, XXXXXXXX XXXXXXX XXXXXXX XXXX XXXX XX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXXX XXXXXXX XXXXXXXX, XXXXXXX (X).XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9901 |  |  | Closed | 2026-01-13 05:55 | 2026-01-27 12:27 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CD - we provided inital CD dated XX/XX. Closing docs XX/XX. We meet cooling off period<br>TILA - $XX threshold are for loans in foreclosre - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(XX XXX §XXXX.XX(f)(X)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXXX.XX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXXX.XX(o)(X) becomes inaccurate, as defined in §XXXX.XX.(B) The loan product is changed, causing the information disclosed under §XXXX.XX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXXX.XX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXXX.XX(f)(X)(i) no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9901 |  |  | Closed | 2026-01-13 05:55 | 2026-01-27 12:27 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX XXX §XXXX.XX(h) , transferred from XX XXX §XXX.XX(h))The finance charge is $X,XXX,XXX.XX. The disclosed finance charge of $X,XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9901 |  |  | Closed | 2026-01-21 13:10 | 2026-01-21 13:13 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (XX XXX §XXXX.XX(e)(X)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i). The consumer must receive a revised version of the disclosures required under §XXXX.XX(e)(X)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §XXXX.XX(e)(X)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9901 |  |  | Closed | 2026-01-21 13:10 | 2026-01-21 13:13 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the revised closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9901 |  |  | Closed | 2026-01-15 18:38 | 2026-01-21 12:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XX.XX% is less than or equal to XXXXXXXX DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided LOX and revised XXXX removing future potential debt. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UW notes borrower is using funds from this transaction for the purchase of XXXX Xth XXXXXX XXXXXX XX XXXXX - XXXXXXXX. UW has qualified with the payment from XXXXXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited DTI of XX.X% exceeds XXXXXXXX DTI of XX%. Per XXXX (pg XXX), borrower has a revolving account with XXXXXXXXXX indicating a monthly payment of $XXXXX.XX. Debt not reflected on credit report. Provide LOX and updated XXXX removing debt if in error. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXX XX XX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXX XXX XXXXXXX XXXX XXXXXXXX XXXXXX XXXXXXXXX XXXX. XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  | XXX XXXX. XXX XXX.<br> XX.XXX% XXXX. XXX XXXX XX XX% | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9899 |  |  | Closed | 2026-01-13 06:49 | 2026-01-21 00:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Primary mortgage "XXXXXXX XXXX XXXXX #XXXX" is verified as per the Credit Report , Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-seller rebuttal attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Mortgage statement is missing to verify monthly payments for XXXXXXX XXXX XXXXX & X - XXXX mortgage which is with primary residence, as the final XXXX and initial credit report are showing monthly payments are $XXX, whereas GAP credit report is showing $XXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXXX "XXXXXXX XXXX XXXXX #XXXX" XX XXXXXXXX XX XXX XXX XXXXXX XXXXXX , XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9899 |  |  | Closed | 2026-01-15 14:29 | 2026-01-20 02:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-cOC and locked LE - this should suffice - Due Diligence Vendor-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9899 |  |  | Closed | 2026-01-13 03:52 | 2026-01-20 00:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Commitment uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-prelim - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Document is missing Missing Title document - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9899 |  |  | Closed | 2026-01-13 04:07 | 2026-01-20 00:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Third Party Market Rent Source (XXXX) uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-See page XX for operating income statememt - Due Diligence Vendor-XX/XX/XXXX <br>Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Missing XXXX third party market rent estimator to review rental income. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXX XXXXXX XXXX XXXXXX (XXXX) XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9899 |  |  | Closed | 2026-01-13 04:43 | 2026-01-20 00:57 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Primary Appraisal | Resolved-Primary Appraisal uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CDA - Due Diligence Vendor-XX/XX/XXXX <br>Open-Primary Value has not been selected Missing primary appraisal or AVM with a XX% confidence factor and Property condition Inspection - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx9891 |  |  | Closed | 2026-01-15 09:52 | 2026-01-20 08:05 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Updated prelim - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Short form title policy provided reflects coverage of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9922 |  |  | Closed | 2026-01-12 23:54 | 2026-01-22 03:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM dated XX/XX/XXXX which is within the XX business days from closing date XX/XX/XXXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XX/XX/XXXX XXXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXX XX/XX/XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9922 |  |  | Closed | 2026-01-12 23:42 | 2026-01-22 00:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Xrd Party VOE is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9922 |  |  | Closed | 2026-01-13 00:50 | 2026-01-13 00:55 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9833 |  |  | Closed | 2026-01-13 01:34 | 2026-01-21 11:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Lender provided approved exception in file, p. XXX, for entity vesting on EA loan. Comp Factors: CLTV XX% vs max XX%, residual income > $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX XXXXXXXXX XXXXXXX (XXXX).XXX |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X.XX%.<br> $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX.<br> XXXXXXXX XXX $XX,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX. | XX | Investment | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9833 |  |  | Closed | 2026-01-13 01:46 | 2026-01-21 05:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure Missing in File - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXXXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9833 |  |  | Closed | 2026-01-12 22:58 | 2026-01-21 03:16 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title Covering Loan Amount $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX XXXXXXXXXX XXXXXXXX, XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X), XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX-XX-XX XXXXX XXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2108 |  |  | Closed | 2026-01-12 00:52 | 2026-01-14 06:33 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD-X Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Signing/closing date XX/XX and funding/disbursement date XX/XX. final settlement statement attached. - Seller-XX/XX/XXXX <br>Open-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. Closing date is XX/XX/XXXX and Disbursement date - XX/XX/XXXX is before notary date-XX/XX/XX. provide updated document - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Signing/closing date XX/XX and funding/disbursement date XX/XX. final settlement statement attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXX XXXX XXXXXXX XXX XXXXXX XXXXXXXXXXXXXXX XXXX XX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9883 |  |  | Closed | 2026-01-14 07:42 | 2026-01-21 07:34 | Resolved | 1 - Information C A | Compliance | Closing | Property County is Missing | Resolved-appraisal updated with correct county name. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Updated appraisal - Due Diligence Vendor-XX/XX/XXXX <br>Open-The county name on DOT and legal description is XXX XXXXXXX, whereas Appraisal report is showing county name as XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXXXXX XXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XX | N/A | N/A |
| XXXX | xxxxxx9894 |  |  | Closed | 2026-01-16 13:17 | 2026-01-20 02:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The rate was locked with ICD and not LE - Due Diligence Vendor-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9878 |  |  | Closed | 2026-01-15 00:37 | 2026-01-16 16:18 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Per diem amounts were decreased on the PCCD. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XX.XX) exceeds the per diem interest charge or credit threshold ($-XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXX XXXX XXXXXXXXX XX XXX XXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9878 |  |  | Closed | 2026-01-15 00:37 | 2026-01-16 16:18 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-Per diem amounts were decreased on the PCCD. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Per diem amounts were decreased on the PCCD. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XX.XX) exceeds the per diem interest charge or credit threshold ($-XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXX XXXX XXXXXXXXX XX XXX XXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXX XXXX XXXXXXXXX XX XXX XXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0520 |  |  | Closed | 2026-01-12 01:09 | 2026-01-21 01:27 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated lender approval screen attached. - Seller-XX/XX/XXXX <br>Open-Loan purpose is reflecting as cash out in provided Lender Approval Form pg-XXX, whereas per final CD cash to close amount $XXX.XX which is less than $XXXX and X% LA, hence it should be considered as No cash-out/Rate and term. LOX related loan purpose on pg-XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated lender approval screen attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx0520 |  |  | Closed | 2026-01-12 01:08 | 2026-01-21 01:27 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document with corrected loan purpose uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated XXXX attached. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Loan purpose is reflecting as cash out in provided XXXX, whereas per final CD cash to close amount $XXX.XX which is less than $XXXX and X% LA, hence it should be considered as No cash-out/Rate and term. LOX related loan purpose on pg-XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated XXXX attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXX XXXX XXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX-XXXXX XXXX-.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| XXXX | xxxxxx2978 |  |  | Closed | 2026-01-12 05:54 | 2026-02-10 07:09 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The final SS provided does not include the two Amex accounts being paid off. Provide a revised XXXX & XXXX including in the liabilities revising the DTI. Also, provide net rental income detail as the XXXX has $X,XXX.XX and audit calculation is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-DTI variance of X.XX%. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. u/w updated liabilities/rental income/ and note rate. The cash to close now matches the Final settlement statement, also attached. Please clear - Seller-XX/XX/XXXX <br>Counter-XXXX provided has the incorrect interest rate per the Note and the funds to the borrower do not match the settlement statement. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Underwriter updated XXXX and XXXX and I have attached. TY - Seller-XX/XX/XXXX <br>Open-The calculated Subject net rental income is $X,XXX.XX, whereas XXXX is showing as $XXX.XX and All Other Monthly Payments Used in Qualifying per the XXXX is $XXX, but the credit report on pg #XXX shows accounts with $X.XX outstanding balance and the Amex-#XXXX with $X,XXX balance and Amex - #XXXX with $X,XXX balance are paid at closing. The calculated DTI is XX.XX%, whereas DTI as per U/W calculation is XX.XX%. The XXXX on pg #XXX is dated on XX/XX/XXXX which is after closing. Provide a revised XXXX & XXXX with revised net rental income and total all monthly payments to reflect accurately per the transaction. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. u/w updated liabilities/rental income/ and note rate. The cash to close now matches the Final settlement statement, also attached. Please clear - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Underwriter updated XXXX and XXXX and I have attached. TY - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXX XX X.XX%. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX XXXXX.XXX_XXXXX_<br> XXXXX XXX.XXX_XXXXX_<br> XXXX XXXXX XXX.XXX_XXXXX_<br> XXXX XXXXX XXX.XXX_XXXXX_<br> XXXXX XXXX-XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2978 |  |  | Closed | 2026-01-12 11:08 | 2026-02-10 07:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. New XXXX/XXXX uploaded - Seller-XX/XX/XXXX <br>Counter-The final XXXX shows the Amex as paid at closing, however the final SS provided does not indicate the accounts were paid off. Section Xa and X rental income details and net rental income are either blank or are not in line with the provided XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. u/w updated liabilities/rental income/ and note rate. The cash to close now matches the Final settlement statement, also attached. Please clear - Seller-XX/XX/XXXX <br>Counter-The XXXX provided does not take into account the rental income factor for the net rental income (market rent was used) and the liabilities section shows the Amex accounts as not paid at closing. Also, the credit report provided shows the two revolving accounts (XXX & XXXXXXXX) with zero monthly payments. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please be specific to what is not matching. The u/w updated, and feels it is correct. If something is wrong, please advise what it is exactly and the amount. - Seller-XX/XX/XXXX <br>Counter-The XXXX provided does not have the liabilities matching up to the transaction & the XXXX and the net rental income in Xa is not accurate. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated and attached. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete The final XXXX on page #XXX Self-Employment Flag % of ownership is not checked. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. New XXXX/XXXX uploaded - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. u/w updated liabilities/rental income/ and note rate. The cash to close now matches the Final settlement statement, also attached. Please clear - Seller-XX/XX/XXXX <br>Ready for Review-Please be specific to what is not matching. The u/w updated, and feels it is correct. If something is wrong, please advise what it is exactly and the amount. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated and attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXX.XXX_XXXXX_<br> XXXX XXXXX XXX.XXX_XXXXX_<br> XXXXX XXX.XXX_XXXXX_<br> XXXX XXXXX XXX.XXX_XXXXX_<br> XXXXX XXXX-XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2978 |  |  | Closed | 2026-01-12 06:01 | 2026-02-05 07:50 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Updated tax payment inquiry reflects no delinquent history, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached. taxes not delinquent<br> - Seller-XX/XX/XXXX <br>Open-Property Title Issue Provide evidence taxes are not delinquent per the title prelim on page XXX (XX/XX). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached. taxes not delinquent<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXX XXXXXXX XXXXXXX XXXXXXXX XX XXXXXXXXXX XXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXX XXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXX XXXXXXX XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9882 |  |  | Closed | 2026-01-18 21:15 | 2026-01-22 02:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Updated recorded DOT with PUD checked uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-recorded DOT with PUD checked - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Sub prop is a PUD. PUD Rider Pg# XXX, PUD rider box is not selected on Deed of trust provided. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXXX XXX XXXX XXX XXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6039 |  |  | Closed | 2026-01-16 02:49 | 2026-02-02 13:16 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Lender provided updated gap credit report within XX business days. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Sorry about that, I uploaded the VOE document to the wrong condition. Thanks for correcting that. Gap Report has now been uploaded. - Buyer-XX/XX/XXXX <br>Counter-Document provided is VOE, gap credit report within XX business days is required. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. SE VOE uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Borrower X Gap Credit Report is greater than XX days from Closing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXX XXXXXX XXXXXX XXXXXX XX XXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XX XXX XX XXX XXX XXXX XX XXXXXXXXXX XX - XXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6039 |  |  | Closed | 2026-01-16 02:06 | 2026-01-29 20:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Lender provided Xrd party VOE. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Voe is not with in XX days of closing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXX XXXXX XXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0210 |  |  | Closed | 2026-01-18 05:53 | 2026-01-22 00:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-As per the matrix, Guideline CLTV XX% is equal to the Qualifying CLTV of XX%, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited CLTV Exceeds Guideline CLTV Refinance cash out transaction, Audited LTV XX.XX%, FICO XXX - Per guideline matrix dated XX/XX/XXXX max allowable CLTV XX% audited CLTV XX.XX % exceeding guideline LTV XX% - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XX XXX XXX XXXXXX, XXXXXXXXX XXXX XX% XX XXXXX XX XXX XXXXXXXXXX XXXX XX XX%, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0210 |  |  | Closed | 2026-01-18 04:05 | 2026-01-22 00:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Final XXXX, XXXX & Income worksheet uploaded with updated qualifying income, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X CPA Letter Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X CPA Letter Missing Provide clarification on BX ownership percentage, per CPA borrower X having XX% & BX XX% ownership, however calculated income in XXXX, XXXX & Income calculation worksheet reflecting with XXX% ownership for borrowerX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXX, XXXX & XXXXXX XXXXXXXXX XXXXXXXX XXXX XXXXXXX XXXXXXXXXX XXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX XXX.XXX_XXXXX_<br> XXXXXX XXXX.XXX_XXXXX_<br> XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0210 |  |  | Closed | 2026-01-18 05:52 | 2026-01-18 05:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg#XX, Appraisal Disclosure provided on page#XXX. The copy of appraisal sent to borrower confirmation page#XXX-XXX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX#XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX#XXX-XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0210 |  |  | Closed | 2026-01-18 05:52 | 2026-01-18 05:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XX.XXX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg#XX, Appraisal Disclosure provided on page#XXX. The copy of appraisal sent to borrower confirmation page#XXX-XXX. The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXX XXXXXXXXXXX XXXXXXX XX XXX XXXXXXXX XXXXXXXXXXXX XX XXXXXXXXX XXXXXXXXXX, XX XXXXXXXXXX XX XXXXXXXX XXXXXXX, XXXX XX X XXXXXX-XXXXXX XXXXXXXX. XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%). (XXXXX XX.XX.XX.XX(X)(XX); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX#XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX#XXX-XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4151 |  |  | Closed | 2026-01-16 05:20 | 2026-01-16 05:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page N/A and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page #XXX. An interior and exterior appraisal was completed for this property – see page #XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX #XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX #XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6856 |  |  | Closed | 2026-01-15 21:29 | 2026-01-26 00:59 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. title attached. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $X is Less than Loan Amount Title coverage is not provided in Title policy.<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXX XXXXXX XXXXXXXX, XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X), XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX - XXXX-XX-XXXXXXXXX.XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6856 |  |  | Closed | 2026-01-15 23:50 | 2026-01-22 09:57 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved, The Intent to proceed was provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed in file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXX XXXXXX XX XXXXXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6856 |  |  | Closed | 2026-01-15 23:49 | 2026-01-22 09:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Owner Counseling disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Home Owner Counseling Notice is Missing is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXX XXX XXXX XXXXX XXXXXXXXXX XXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6856 |  |  | Closed | 2026-01-20 17:11 | 2026-01-22 09:56 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6856 |  |  | Closed | 2026-01-15 23:11 | 2026-01-20 17:05 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page N/A and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page X, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX X, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX X/X XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX X, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XX. XXX XXXX XXXXX XXXX XXXXXXXXXX | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3057 |  |  | Closed | 2026-02-02 12:29 | 2026-02-05 13:23 | Resolved | 1 - Information C A | Compliance | Mavent | Rescission: Variance | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-ROR is not correct dated XX/XX signed XX/XX and cancel is XX/XX needs to be updated to XX/XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-.. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Have finding in place - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Reg Z, funds may not be disbursed to the borrower until the expiration of the rescission period. The Last Closing Disclosure (XXXX-XX-XX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX-XX-XX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the Xrd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX.XX(c) and (d) and XXXX.XX(g) (if applicable). (XX CFR XXXX.XX) . - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-.. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXX XXXXXXX XX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3057 |  |  | Closed | 2026-01-18 08:41 | 2026-04-16 09:45 | Resolved | 1 - Information A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Received documents and finding has been cleared. Compliance is passing. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XX CFR XXXX.XX(c) and Official Staff Commentary) . - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XX CFR XXXX.XX(c) and Official Staff Commentary) The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Provide updated Right to Cancel document. Duplicate finding - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXXX XXX XXXXXXX XXX XXXX XXXXXXX. XXXXXXXXXX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXX XXXXXXXXX "XXXXX XX XXXXXX XXXXXX XXXX" (XXXX-XX-XX) XX XXXXXXX XXXX XXX XXXXXX XXXXXXXXXX "XXXXX XX XXXXXX XXXXXX XXXX" (XXXX-XX-XX). XXXXX XXXXXXXXXX X, XXXXX XXX XXX XX XXXXXXXXX XX XXX XXXXXXXX XXXXX XXX XXXXXXXXXX XX XXX XXXXXXXXXX XXXXXX. (XX XXX XXXX.XX(X) XXX XXXXXXXX XXXXX XXXXXXXXXX) XXX XXXXXXXXX "XXXXX XX XXXXXX XXXXXX XXXX" (XXXX-XX-XX) XX XXXXXXX XXXX XXXXXX XXXXXXXXXX "XXXXX XX XXXXXX XXXXXX XXXX" (XXXX-XX-XX). XXXXXXX XXXXXXX XXXXX XX XXXXXX XXXXXXXX. XXXXXXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3057 |  |  | Closed | 2026-01-18 08:41 | 2026-02-02 17:13 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) is after the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Provide updated Right to Cancel Document. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3057 |  |  | Closed | 2026-01-18 08:25 | 2026-02-02 12:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Post CD - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Partial Payments selection is not made in Final CD. Provide updated Final Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3057 |  |  | Closed | 2026-01-18 08:41 | 2026-01-28 17:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC updated TRID and reran all clear - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Points - Loan Discount Fee increased from Initial CD($XXX.XX) to Revised CD($X,XXX.XX) but COC for the same is not available in file. Provide COC for Points - Loan Discount Fee increase. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXX XXXXXXX XXXX XXX XXXXX XXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXXXX XXX XX.XX.XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3057 |  |  | Closed | 2026-01-18 08:14 | 2026-01-23 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Provide Third Party Fraud Report which is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXXXX XXX, XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9675 |  |  | Closed | 2026-01-16 02:26 | 2026-02-03 07:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XX.XX% is less than or equal to XXXXXXXXX DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Received gap report updated credit page DTI is below XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached gap report to show $X on most cc that were not counted in DTI. OUr DTI is correct. XX.XXX - Seller-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% Front End DTI is at X,XXX.XX/X,XXX.XX= XX.XX for the front end and back end with outstanding liabilities in the amount of XXX gives back end DTI at X,XXX.XX+XXX=X,XXX.XX/XXXX.XX=XX.XX. Need gap report that shows all liabilities have been paid off as there are still some with low payments that are outstanding - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. please see attached gap report to show $X on most cc that were not counted in DTI. OUr DTI is correct. XX.XXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXX XX XX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXX XXXXXX XXXXXXX XXXXXX XXXX XXX XX XXXXX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1425 |  |  | Closed | 2026-01-18 11:46 | 2026-01-22 08:37 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-MEETS HPML GLS - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Acknowledgment of appraisal is missing from the file. Have the receipt of appraisal <br>This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, XXX, An interior and exterior appraisal was completed for this property – see pg. #XX , Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXXconfirmation the appraisal was delivered to the borrower in file page #XXX-XXX<br> . The loan Meets HPML XXXXXXXXX.<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx1425 |  |  | Closed | 2026-01-18 11:46 | 2026-01-20 09:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, XXX, An interior and exterior appraisal was completed for this property – see pg. #XX , Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXXconfirmation the appraisal was delivered to the borrower in file page #XXX-XXX<br> . The loan Meets HPML XXXXXXXXX.<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX , XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXXXXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX-XXX<br> . XXX XXXX XXXXX XXXX XXXXXXXXX.<br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx2015 |  |  | Closed | 2026-01-18 23:39 | 2026-01-22 00:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-The interim driver's license uploaded with extension of expiration date to XX/XX/XXXX, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The interim driver's license that accompanies their previous one, is confirming the expiration date of XX/XX/XXXX - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per XXXXXXXXX requirements. Borrower Photo ID expired before the Note Date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The interim driver's license that accompanies their previous one, is confirming the expiration date of XX/XX/XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXX XXXXXX'X XXXXXXX XXXXXXXX XXXX XXXXXXXXX XX XXXXXXXXXX XXXX XX XX/XX/XXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9484 |  |  | Closed | 2026-01-19 03:37 | 2026-02-02 06:13 | Waived | 2 - Non-Material C B | Compliance | State Reg | NJ Prohibited Fees Test | Waived-Although the wire fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Finding re-opened due to running Mavent. Status changed back to RXR. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-RXR - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Escalated-Finding re-opened due to running XX. Condition changed back to prior status. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Escalated- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Our compliance report is passing. Your conditions also states "it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected." So there should be no issue here. - Seller-XX/XX/XXXX <br>Open-"Although the wire fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected."<br>- Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the prohibited fees test.<br> (N.J.S.A. §XX:XXC-XX, N.J.A.C. §§X:XX-X.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(X) no more than three discount points;(X) reasonable attorney fees at the time the execution of the loan;(X) title examination, abstract of title, survey, and title insurance;(X) credit report fee;(X) appraisal fee;(X) recording fees;(X) application fee;(X) returned check fee not to exceed $XX, a late charge not to exceed X% of the late payment, and(X) on open-end loans, the lesser of an annual fee of $XX or X% or the line of credit. State specific finding. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Our compliance report is passing. Your conditions also states "it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected." So there should be no issue here. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXX XXX XXXX XXX XXXXXXX XX XXXXXXX XXX XX XXXXXXXXXX XXXX XXXXXXX, XX XXXX XXX XXXXXX XX XXXX XXX XXXXXXXXX XX XXXXXXXXX XXX XX XXX XXXXXXXX XX XXXXXXXXXXXXXX XX XXX XXXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| XXXX | xxxxxx9484 |  |  | Closed | 2026-01-19 03:37 | 2026-02-02 05:11 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved Updated RTC. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Provide the signed and dated Right to cancel document its missing from the service file. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Provide the signed and dated Right to cancel document its missing from the service file. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XX XXXXX XX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2937 |  |  | Closed | 2026-01-17 22:21 | 2026-01-27 02:04 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated XXXX & Lender approval form document uploaded, DTI is within the variance limit, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-DTI Discrepancy due to Xst lien monthly payment discrepancy between XXXX & actual payment from documents in file, actual calculation validating as follows - Xst lien P&I $XXXX.XX+Xnd lien P&I $XXXX.XX+ TIA($XXX.X+XXX.XX+XX)+Monthly payment from CBR $XXX.XX=$X,XXX.XX/XX,XXX.XX=XX.XX% not matching with XXXX DTI XX.XX% - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX & XXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX, XXX XX XXXXXX XXX XXXXXXXX XXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2937 |  |  | Closed | 2026-01-17 21:55 | 2026-01-22 08:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) The loan meets HPML Guidelines and is a Compliant HPML loan.<br>This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg#XX, Appraisal Disclosure provided on page#XXX. The copy of appraisal sent to borrower confirmation page#XXX, XX-XX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br>XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX#XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX#XXX, XX-XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0957 |  |  | Closed | 2026-01-19 20:53 | 2026-02-02 05:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Requested initial XXXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial XXXX uploaded - Buyer-XX/XX/XXXX <br>Open-The Initial XXXX is Missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9173 |  |  | Closed | 2026-01-18 23:54 | 2026-01-30 12:06 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Change of circumstance provided and updated. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-It appears PCCD reflects $XXXXXX as opposed to $X,XXX.XX as reflected on COC. Will you please confirm amount or update COC? - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Points - Loan Discount Fee increased from Initial CD($X,XXX.XX) to Revised CD($X,XXX.XX) but COC for the same is not available in file. Provide COC for Points - Loan Discount Fee increase. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XX XXXXXXXXXXXX XXXXXXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX_XXXXX_<br> XXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9173 |  |  | Closed | 2026-01-18 23:54 | 2026-01-26 11:14 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) is earlier than the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Provide PCCD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9173 |  |  | Closed | 2026-01-18 23:07 | 2026-01-25 23:58 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Updated Hazard Insurance policy uploaded, Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Provide Hazard Insurance policy with Effective Date covering the Note Date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XX XXX XXXX XXXX XX XX-XX-XXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XX XXX XXXX XXXX XX XX-XX-XXXX XX XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX_XXXXX_<br> XXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9173 |  |  | Closed | 2026-01-30 07:58 | 2026-01-30 11:28 | Resolved | 1 - Information A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-PCCD provided & updated<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX & XXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9173 |  |  | Closed | 2026-01-30 07:58 | 2026-01-30 11:28 | Resolved | 1 - Information A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-PCCD provided & updated - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXX & XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9173 |  |  | Closed | 2026-01-30 07:58 | 2026-01-30 11:28 | Resolved | 1 - Information A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-PCCD provided & updated - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XXXXXXXX & XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9173 |  |  | Closed | 2026-01-30 07:58 | 2026-01-30 11:28 | Resolved | 1 - Information A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-PCCD provided & updated - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XXXXXXXX & XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1903 |  |  | Closed | 2026-01-20 22:18 | 2026-01-28 08:22 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 489/344 Covered Loan Points and Fees Threshold Test | Resolved-COC provided from points XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-COC provided from points XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. attached coc for review - Seller-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the points and fees threshold test. (XX XX XXX §X [XX XX §XXXX(b)(X)(X)])The total points and fees, as defined in XXXXXXXXXX XXXXXXXXX Code § XXXX, exceed X% of the total loan amount, as defined in HOEPA (Section XX). State Specific finding. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the points and fees threshold test.<br> (XX XX XXX §X [XX XX §XXXX(b)(X)(X)])The total points and fees, as defined in XXXXXXXXXX XXXXXXXXX Code § XXXX, exceed X% of the total loan amount, as defined in HOEPA (Section XX). State Specific finding. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached coc for review - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXX XXXXXXXX XXXX XXXXXX XX/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXX XXXX XXXXXX XX/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XX XX-X XX-XXXXXXXXX XX XX-XX XXX XXX XX-XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1903 |  |  | Closed | 2026-01-20 22:18 | 2026-01-28 08:21 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. attached coc and le for review - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Missing the Loan Estimate dated XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX XXX §XXXX.XX(e)(X)(iv)(X))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX XXX §XXXX.XX(e)(X)(iv)(X))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Rate Lock date updated as per Lock document. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XX XX-X XX-XXXXXXXXX XX XX-XX XXX XXX XX-XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1903 |  |  | Closed | 2026-01-20 22:18 | 2026-01-28 08:22 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-his loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XX and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower – see Pg#'XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XX and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower – see Pg#'XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XX and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1903 |  |  | Closed | 2026-01-20 22:18 | 2026-01-28 08:22 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XX and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower – see Pg#'XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XX and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower – see Pg#'XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the XX XX XXX higher-priced mortgage loan test. (XX XX XXX, XXXXXXXXXX XXXXXXXXX Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXXXXXXXX XXXXXXXXX Code.While the XXXXXXXXXX XXXXXXXXX Code provisions specify that lenders may lawfully 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. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XX and the Final Closing disclosure on Pg#'s XX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower – see Pg#'XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XX XXX, XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXX X.X XXXX(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXX XXXXXXXXXX XXXXXXXXX XXXX.XXXXX XXX XXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXX XXXXXXXXXX XXXXXXXXXXX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1903 |  |  | Closed | 2026-01-20 22:18 | 2026-01-22 14:05 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXX XXXX XXXXXXXX XXXXXX XXXX. (XX XXX. XXXX. XXXX §XXXX.X)XXX XXX XXXX XXXXXXXX XXXXXX XXXXXXX XX XXX XXXX ($XXX.XX) XXXXXXX XXX XXX XXXX XXXXXXXX XXXXXX XX XXXXXX XXXXXXXXX ($XXX.XX).XXXXXX XXXX: XX XXXXXXXXXX $X XXXXXX XXX XXX XXXXXXXX XX XXX XXX XXXX XXXXXXXX XXXXXX XX XXXXXX XXXXXXXXX XXXXXXXXX XXXXX XXXXX XX XXX XXXXXX XXXXXXXXXXX XXXXXXXXXX XX XXX XXX XXXX XXXXXXXX XXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1903 |  |  | Closed | 2026-01-20 22:18 | 2026-01-22 14:05 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the per diem interest amount test. (XX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was not included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXX XXXX XXXXXXXX XXXXXX XXXX. (XX XXX. XXXX. XXXX §XXXX.X)XXX XXX XXXX XXXXXXXX XXXXXX XXXXXXX XX XXX XXXX ($XXX.XX) XXXXXXX XXX XXX XXXX XXXXXXXX XXXXXX XX XXXXXX XXXXXXXXX ($XXX.XX).XXXXXX XXXX: XX XXXXXXXXXX $X XXXXXX XXX XXX XXXXXXXX XX XXX XXX XXXX XXXXXXXX XXXXXX XX XXXXXX XXXXXXXXX XXXXXXXXX XXXXX XXXXX XX XXX XXXXXX XXXXXXXXXXX XXXXXXXXXX XX XXX XXX XXXX XXXXXXXX XXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2137 |  |  | Closed | 2026-01-21 06:45 | 2026-01-29 12:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Most recent bank statements provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Business Bank Statements Missing Page XXX has the summary, btu actual bank statements missing from file for account XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXX XXXXXX XXXX XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXXX #XXXX XXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXX_XXXX #XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2137 |  |  | Closed | 2026-01-20 22:48 | 2026-01-20 22:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2269 |  |  | Closed | 2026-01-21 04:08 | 2026-02-10 01:21 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Requested updated master policy with valid date provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Master Policy Expiration Date of XX-XX-XXXX is Prior To the Transaction Date of XX-XX-XXXX The condo master policy on pg#XXX-XXX is dated on XX/XX/XXXX-XX/XX/XXXX, which is expiring before the closing date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXXX XXXXXXX XXXXXX XXXXXX XXXX XXXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXX XXXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XXX XXXXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXXX XXXXXX XXXXXXXXXX XXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX-XXXXXXXX-XXXXX-XXXXXXXXXXX_XX-XX-XXXXXX_XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2269 |  |  | Closed | 2026-01-21 04:16 | 2026-01-27 08:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Audited CLTV of XX% exceeds XXXXXXXXX CLTV of XX% The qualifying or audited CLTV is XX%, whereas guideline CLTV is XX%<br> Exception on pg#XXX to allow a max CLTV of XX% is approved. Per guidelines max CLTV is XX% ok to proceed at XX% CLTV. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXX-XXXXXXX XXXX XX XX% XXXXXXX XXXXXXXXX XXXX XX XX% XXX XXXXXXXXXX XX XXXXXXX XXXX XX XX%, XXXXXXX XXXXXXXXX XXXX XX XX%<br> XXXXXXXXX XX XX#XXX XX XXXXX X XXX XXXX XX XX% XX XXXXXXXX. XXX XXXXXXXXXX XXX XXXX XX XX% XX XX XXXXXXX XX XX% XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | X. XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> X. XXXXXXXX XXX $XX,XXX.XX, XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX.<br>| XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx2269 |  |  | Closed | 2026-01-21 04:43 | 2026-01-21 05:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2269 |  |  | Closed | 2026-01-21 04:43 | 2026-01-21 05:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XX.XXX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXX XXX XXXXXXXXXXX XXXXXXX XX XXX XXXXXXXX XXXXXXXXXXXX XX XXXXXXXXX XXXXXXXXXX, XX XXXXXXXXXX XX XXXXXXXX XXXXXXX, XXXX XX X XXXXXX-XXXXXX XXXXXXXX. XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%). (XXXXX XX.XX.XX.XX(X)(XX); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4620 |  |  | Closed | 2026-01-21 21:01 | 2026-01-30 02:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Deed of Trust uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-The Deed of Trust is Present and Complete - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-The Deed of Trust is Incomplete In Deed of Trust, Xth page is missing in file.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXX XX XXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4620 |  |  | Closed | 2026-01-21 21:10 | 2026-01-30 00:04 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please see page X of attached, and item X.b. Loan policy $XXXXXX.XX - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see page X of attached, and item X.b. Loan policy $XXXXXX.XX - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXX XXXXXXXXXX XXXXXXXX, XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X), XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2182 |  |  | Closed | 2026-01-21 05:48 | 2026-01-29 01:15 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Updated Final XXXX and XXXX uploaded removing assets from file, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. New XXXX and XXXX uploaded removing assets from file per u/w. Please review/clear. - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-As per final XXXX pg#XXX, the verified assets of $XX,XXX is showing from Other - Other Non-Liquid Asset, but no documents are available to verify the same and no verified assets motioned on XXXX document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. New XXXX and XXXX uploaded removing assets from file per u/w. Please review/clear. - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXX XXXX XXX XXXX XXXXXXXX XXXXXXXX XXXXXX XXXX XXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2182 |  |  | Closed | 2026-01-21 01:34 | 2026-01-27 14:25 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. please see attached PCCD. Loan did not fund/disburse until X/XX/XX. - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The right to cancel expire date XX/XX/XXXX is same as loan disbursement date of XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. please see attached PCCD. Loan did not fund/disburse until X/XX/XX. - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4445 |  |  | Closed | 2026-01-22 23:04 | 2026-02-05 05:26 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Received COC updated final CD and got all clear - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender credits $X have decreased below their baseline amounts on the Final Closing disclosure. Provide COC to cure the tolerance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX XXX XXXXXXX XXXXX XX XXX XXX XXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4445 |  |  | Closed | 2026-01-22 22:39 | 2026-01-28 17:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. BX Driver's License provided on page #XXX is expired. Provide updated Driver's License - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXX XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4169 |  |  | Closed | 2026-01-28 06:41 | 2026-02-03 12:27 | Resolved | 1 - Information C A | Credit | Credit | Missing documentation evidencing borrower's identity | Resolved-BX ID updated. BX ID doesn't expire. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Hi, we just need for Borrower X - XXXXX. Please see attached. The one for Borrower X - XXXX is the old school card and it does not expire. - Seller-XX/XX/XXXX <br>Open-Are there updated non-resident IDs? BX was issued in XXXX and BX expired in XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi, we just need for Borrower X - XXXXX. Please see attached. The one for Borrower X - XXXX is the old school card and it does not expire. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XX XX XXXXXXX. XX XX XXXXX'X XXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX_XXXXX XXXXXXXXX XXXXXXXX XXXX XXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXX_XXXXX XXXXXXXXX XXXXXXXX XXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4169 |  |  | Closed | 2026-01-22 03:49 | 2026-01-22 03:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#XX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page#XXX-XXX. The copy of appraisal sent to borrower confirmation page#XX, XX. The loan meets XXXX guidelines. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX#XXX-XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX#XX, XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4169 |  |  | Closed | 2026-01-22 03:49 | 2026-01-22 03:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#XX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure provided on page#XXX-XXX. The copy of appraisal sent to borrower confirmation page#XX, XX. The loan meets XXXX guidelines. Resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX#XXX-XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX#XX, XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx7151 |  |  | Closed | 2026-01-22 00:48 | 2026-01-22 00:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX,XXXX on page# XXX, The loan Meets XXXX guideline, resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX,XXXX XX XXXX# XXX, XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx7151 |  |  | Closed | 2026-01-22 00:48 | 2026-01-22 00:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX,XXXX on page# XXX, The loan Meets XXXX guideline, resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX,XXXX XX XXXX# XXX, XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| XXXX | xxxxxx4936 |  |  | Closed | 2026-01-22 00:34 | 2026-01-27 08:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXX XXXXXXXXX XXXXXXXXXX XX XXX XX'X XXXX XX XXX XXXX#XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2460 |  |  | Closed | 2026-01-24 00:36 | 2026-02-03 09:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final settlement statement provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Disbursement Date XX/XX/XXXX which is prior to notary date XX/XX/XXXX. Require updated HUD with corrected Disbursement Date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXXX XXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8143 |  |  | Closed | 2026-01-23 06:19 | 2026-01-30 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Resolved - the income documents were provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Unable to figure out the total qualifying income. However calculated income sheet for two business's and considered income from XXXX. Provide Income documentation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXX XXXXXXXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XXXXXXX XXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8143 |  |  | Closed | 2026-01-23 04:01 | 2026-01-30 08:53 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). COC Required, there was an increase in the Loan origination fee, credit report and lender title policy - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX XXXX & XXXX XXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1756 |  |  | Closed | 2026-01-27 11:04 | 2026-02-03 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Rate Lock Document is Missing | Resolved-Lock confirmation provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated lock uploaded. - Buyer-XX/XX/XXXX <br>Open-Per Rate Lock provided indicated loan was closed under Full Doc program when bank statements were used. Provide updated Lock. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XX XXXX XXXXXXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx1756 |  |  | Closed | 2026-01-23 09:31 | 2026-01-27 10:07 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, 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 resolved<br> This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXXXX<br> XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4688 |  |  | Closed | 2026-01-24 01:08 | 2026-02-05 01:04 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provided lender approval form is missing with Xnd lien matrix date, bid tape excel also missing with second lien matrix date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX_XXX XXXX.XXXX_XXXXX_<br> XXXXXXXXXX XXXXXXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4688 |  |  | Closed | 2026-01-24 07:06 | 2026-02-02 08:41 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The true locked LE was wet signed on disclosure date of X/XX/XXXX, then initial CD was signed and dated on X/XX/XXXX. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The last Loan Estimate Received Date of (XXXX-XX-XX) is not X business days before the consummation date of (XXXX-XX-XX). Four business days before consummation is (XXXX-XX-XX). Under Regulation Z, a consumer must receive a revised Loan Estimate no later than X business days before consummation. (XX CFR XXXX.XX(e)(X)(ii)) Last LE signed dated is X/XX/XXXX is not X business days to closing date X/XX/XXXX.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The true locked LE was wet signed on disclosure date of X/XX/XXXX, then initial CD was signed and dated on X/XX/XXXX. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx9814 |  |  | Closed | 2026-01-26 01:04 | 2026-01-30 03:24 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested updated XXXX with updated fico of XXX which is matching with credit liabilities provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. XXXX Reflects FICO as XXX. Per guidelines, Mid Score of primary wage earner is used per guidelines. B1 is the primary wage earner. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXXX XX XXX XXXXX XX XXXXXXXX XXXX XXXXXX XXXXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2248 |  |  | Closed | 2026-01-27 03:25 | 2026-01-29 15:28 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. don't have any lender credit. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx2248 |  |  | Closed | 2026-01-27 03:25 | 2026-01-29 15:28 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). Provide COC for fees increased more then XX% in CD - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0787 |  |  | Closed | 2026-01-29 12:37 | 2026-02-04 05:30 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Received updated worksheet with correct DSCR - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated to rental amount XXXX.XX - Seller-XX/XX/XXXX <br>Counter-Three units are leased based on lease agreements in file Total is at X,XXX. The operating statement on page XX has the current rents at X,XXX and the market rents at X,XXXX. If this is accurate then the market rents would be what should be used as the market rents for the leased units is lower than the actual rents. Should reflect as X,XXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. u/w updated calc see attached. - Seller-XX/XX/XXXX <br>Open-Market rents being used is at XXXX. three units are leased and one vacant total lease amount is at and market rents are at XXXX and leased units are at XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated to rental amount XXXX.XX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. u/w updated calc see attached. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXXXXXXX XXXX XXXXXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX_XXXXX_<br> XXXX-XXXXXXXXXX XXXXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0787 |  |  | Closed | 2026-01-29 07:48 | 2026-01-30 05:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see final signed settlement statement - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Need executed final hud one in file is not signed by settlement agent - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. please see final signed settlement statement - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXX XX XXXXXXXX'X XXXXXXXXX XXXXX (XXX).XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3363 |  |  | Closed | 2026-01-27 05:31 | 2026-02-02 23:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplemental Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $X is Less than Loan Amount Provide Title Coverage Amount which is missing in Title document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3363 |  |  | Closed | 2026-01-27 07:41 | 2026-02-02 06:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a Xxxxxxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the Xxxxxxxxxx HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX-XXX. The loan Meets HPML guideline.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX-XXX. XXX XXXX XXXXX XXXX XXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3363 |  |  | Closed | 2026-01-27 07:41 | 2026-02-02 06:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX-XXX. The loan Meets HPML XXXXXXXXX.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX-XXX. XXX XXXX XXXXX XXXX XXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3040 |  |  | Closed | 2026-01-28 23:28 | 2026-02-05 00:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Updated Hazard Insurance policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Hazard Insurance Policy Partially Provided Provide Hazard Insurance policy with premium. HOI Premium missing in document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXXX XXX - XXXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3814 |  |  | Closed | 2026-01-29 04:37 | 2026-02-05 00:57 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated Final XXXX & XXXX document uploaded, DTI matches the XXXX document, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XX.XX% but Originator DTI is XX.XX%.Variance is due to the difference in tradelines<br> XXXXXXXX XXX XXXXXX XX #XXXX reflecting $XXX in final XXXX but in Gap credit report its reflecting $XXX updated as per Gap credit report.<br> XXXX #XXXX reflecting $XXX in final XXXX but in Gap credit report its reflecting $XX updated as per Gap credit report.<br> XXX XXXX #XXXX of $XXXX not reflecting in final XXXX but reflecting in Gap credit report added in tradelines. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXX XXXX & XXXX XXXXXXXX XXXXXXXX, XXX XXXXXXX XXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX XXXX XXX XXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5088 |  |  | Closed | 2026-01-29 23:01 | 2026-02-03 06:44 | Waived | 2 - Non-Material C B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Waived-The state anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the "XX XXX's") are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX's. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Waived-The state anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the "XX XXX's") are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX's. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-The XXXXXXXXXX Consumer Loan Act prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX; WAC XXX-XXX-XXX(X)) Loan failed for XXXXXXXXXX Fees allowed, XXXXXXXXXX Consumer Loan Act prohibits any fee other than a Loan Origination Fee to be paid by the Borrower to the Lender. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXX-XXX XXXXX XXXX-XXXXXXXXX XXXXXXXXXX XX XXX XXXXXXXXXX XXXXXXXX XXXX XXX (XXX "XX XXX'X") XXX XXXXXXXXXX XXXXX XXXXXX XX XXXXX XXXXXX XXX XX XXX XXXXXX XXXXXXXX XXXXXXXXX/XXXXXXXXX XXXXXXXXXX XXXX XXX XX XXX'X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXX XXXXX XXXX-XXXXXXXXX XXXXXXXXXX XX XXX XXXXXXXXXX XXXXXXXX XXXX XXX (XXX "XX XXX'X") XXX XXXXXXXXXX XXXXX XXXXXX XX XXXXX XXXXXX XXX XX XXX XXXXXX XXXXXXXX XXXXXXXXX/XXXXXXXXX XXXXXXXXXX XXXX XXX XX XXX'X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Post-Close | No |
| XXXX | xxxxxx5088 |  |  | Closed | 2026-01-29 23:01 | 2026-02-03 06:44 | Waived | 2 - Non-Material C B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Waived-The state anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the "XX XXX's") are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX's. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Waived-The state anti-predatory provisions in the XXXXXXXXXX Consumer Loan Act (the "XX XXX's") are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX's. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Under the XXXXXXXXXX Consumer Loan Act, a lender may not charge a "loan origination fee" exceeding X% of the first $XX,XXX and X% thereafter of the remaining loan amount. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX(X)). Loan failed for XXXXXXXXXX - Maximum Lender Fees loan origination fee exceeding X% of the first $XX,XXX and X% thereafter of the remaining loan amount. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXX-XXX XXXXX XXXX-XXXXXXXXX XXXXXXXXXX XX XXX XXXXXXXXXX XXXXXXXX XXXX XXX (XXX "XX XXX'X") XXX XXXXXXXXXX XXXXX XXXXXX XX XXXXX XXXXXX XXX XX XXX XXXXXX XXXXXXXX XXXXXXXXX/XXXXXXXXX XXXXXXXXXX XXXX XXX XX XXX'X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXX XXXXX XXXX-XXXXXXXXX XXXXXXXXXX XX XXX XXXXXXXXXX XXXXXXXX XXXX XXX (XXX "XX XXX'X") XXX XXXXXXXXXX XXXXX XXXXXX XX XXXXX XXXXXX XXX XX XXX XXXXXX XXXXXXXX XXXXXXXXX/XXXXXXXXX XXXXXXXXXX XXXX XXX XX XXX'X. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Post-Close | No |
| XXXX | xxxxxx4612 |  |  | Closed | 2026-01-29 20:32 | 2026-02-10 07:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Updated Final XXXX & XXXX uploaded with asset removed, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Asset Record X Does Not Meet G/L Requirements Provide XXXX account statement balance for $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXX XXXX & XXXX XXXXXXXX XXXX XXXXX XXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXX X XXXXX X/X XXXXXXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4612 |  |  | Closed | 2026-01-29 20:32 | 2026-02-10 07:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Updated Final XXXX & XXXX uploaded with asset removed, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Asset Record X Does Not Meet G/L Requirements Provide XXXX account statement balance for $X,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXX XXXX & XXXX XXXXXXXX XXXX XXXXX XXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXX X XXXXX X/X XXXXXXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4612 |  |  | Closed | 2026-01-29 20:32 | 2026-02-10 07:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Updated Final XXXX & XXXX uploaded with asset removed, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Asset X Does Not Meet XXXXXXXXX Requirements Provide XXXXXX XXXXX account statement balance for $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXX XXXX & XXXX XXXXXXXX XXXX XXXXX XXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX X XXXXX XXXXXXXXX XXXXXXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4612 |  |  | Closed | 2026-01-29 20:32 | 2026-02-10 07:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Updated Final XXXX & XXXX uploaded with asset removed, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Asset X Does Not Meet XXXXXXXXX Requirements Provide XXXXXX XXXXX account statement balance for $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXX XXXX & XXXX XXXXXXXX XXXX XXXXX XXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX X XXXXX XXXXXXXXX XXXXXXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4612 |  |  | Closed | 2026-01-29 22:56 | 2026-02-10 07:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-received updated XXXX/XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-There is no deposit missing, the math is incorrect total deposits for XX months is XXXXXX.XX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Hi there - Can you tell me which deposits weren't used in the audit that gives a lower total or the month of the statements with the discrepancy pls, thx! - Seller-XX/XX/XXXX _xXXXX_<br> Counter-income calculator uploaded is same as in file. The "qualifying Expense Factor monthly income" of $XX,XXX.XX more than the audited monthly income of XXXX.XX<br> in the Statement overview section, Xrd column in "Included Total" equals XXXXXX.XX not XXX,XXX.XX<br> XXXXXX.XX-XX% expense factor =XXXXXX.XX / XX = XXXX.XX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender income worksheet for income $XX,XXX.XX, Income worksheet not matching with XXXX/XXXX, calculated income $X,XXX.XX. DTI discrepancy more than X% tolerance due to Income discrepancy between lender worksheet income and calculated income.<br> UW used XXX,XXX.XX allowable deposits when the included total column totals XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Hi there - Can you tell me which deposits weren't used in the audit that gives a lower total or the month of the statements with the discrepancy pls, thx! - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX XXXXXXX XXXX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX XXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXX XXXX XXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4790 |  |  | Closed | 2026-01-29 06:53 | 2026-02-03 08:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Note & Xst payment for Xst Lien uploaded, Audited CLTV of XX% is less than or equal to XXXXXXXXX CLTV of XX%, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Audited CLTV of XX% is less than or equal to XXXXXXXXX CLTV of XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see Note & Xst payment for Xst Lien. - XXXXXX-XX/XX/XXXX <br>Open-Audited CLTV of XX.XX% exceeds XXXXXXXXX CLTV of XX% Audited CLTV XX.XX% exceeds the GL CLTV XX%. CLTV variance due to Xst Lien outstanding balance from latest credit report pg #XXX of $XXX,XXX. Provide supporting documentation to confirm the loan is within the GL for CLTV. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see Note & Xst payment for Xst Lien. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXX & XXX XXXXXXX XXX XXX XXXX XXXXXXXX, XXXXXXX XXXX XX XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXXX XX XX%, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXX XX XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX_XXXX & XXX XXXXXXX XXX XXX.XXX_XXXXX_<br> XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4790 |  |  | Closed | 2026-01-29 09:10 | 2026-02-03 08:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Updated XXXX & Note & Xst payment for Xst Lien uploaded, DTI is within the variance limit, Audited DTI of XX.XX% is less than or equal to XXXXXXXXX DTI of XX%, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Audited DTI of XX.XX% is less than or equal to XXXXXXXXX DTI of XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see Note & Xst payment for Xst Loan. Taxes & Insurance included. DTI is on XX.XXX - XXXXXX-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% Audited DTI of XX.XX% exceeds the XXXXXXXXX DTI of XX%. Variance due to inclusion of subject property's Property Insurance & Property tax amounts and all other monthly liabilities calculated from CBR of $X,XXX.XX for DTI. Provide supporting documentation evidencing the DTI is within the XX% tolerance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see Note & Xst payment for Xst Loan. Taxes & Insurance included. DTI is on XX.XXX - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX & XXXX & XXX XXXXXXX XXX XXX XXXX XXXXXXXX, XXX XX XXXXXX XXX XXXXXXXX XXXXX, XXXXXXX XXX XX XX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX%, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXX XX XX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX_XXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXX_XXXX & XXX XXXXXXX XXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4790 |  |  | Closed | 2026-01-29 07:37 | 2026-02-03 08:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower pg. #XXX confirmation the appraisal was delivered to the borrower in file page #XXX-XXX, XX-XX. The loan Meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XX. #XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX-XXX, XX-XX. XXX XXXX XXXXX XXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4490 |  |  | Closed | 2026-01-30 04:04 | 2026-02-12 07:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-received initial CD - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4490 |  |  | Closed | 2026-02-12 07:04 | 2026-02-12 07:18 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-corrected dates to the final CD and initial CD - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXX XX XXX XXXXX XX XXX XXXXXXX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4490 |  |  | Closed | 2026-01-30 03:38 | 2026-02-11 03:04 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Updated Hazard Insurance policy uploaded, Hazard Insurance Expiration Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Expiration Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Or Hazard Insurance Expiration Date Is Not Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Hazard Insurance Expiration Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Provided insurance document is expired before closing. Require renewal insurance document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXX XXXXXXXXX XXXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XXX XXXX XXXX XX XX-XX-XXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XXX XXXX XXXX XX XX-XX-XXXX XX XXXXXX XXXXXXXXX XXXXXXXXXX XXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX- XXXXX XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4490 |  |  | Closed | 2026-01-30 04:04 | 2026-02-11 03:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Missing rate lock document in file. No COC stating locked or locked LEs provided in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX.XXX_XXXXX_<br> XXXXXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4490 |  |  | Closed | 2026-01-30 03:28 | 2026-02-05 01:01 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per XXXX, qualifying Fico is XXX, whereas per credit tab qualifying is XXX by using fico method "primary wager earner mid score". Discrepancy will impact the max CLTV considerations. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXXXX XXXX XX XXX XXXX XXXXXXX XXX XXXXXXXXXX XXXX XXXX XXX XXXXXX XXXXXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4490 |  |  | Closed | 2026-02-12 07:04 | 2026-02-12 07:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan.<br>no escrow for CES, <br> Rate lock date was entered correctly – see Pg#'s findings. <br> An interior and exterior appraisal was completed for this property – see pg XX. <br> the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX. <br> copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. <br> The loan meets HPML guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan meets HPML Guidelines and is a Compliant HPML loan.<br>no escrow for CES, <br> Rate lock date was entered correctly – see Pg#'s findings. <br> An interior and exterior appraisal was completed for this property – see pg XX. <br> the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX. <br> copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. <br> The loan meets HPML guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) The loan meets HPML Guidelines and is a Compliant HPML loan.<br>no escrow for CES, <br> Rate lock date was entered correctly – see Pg#'s findings. <br> An interior and exterior appraisal was completed for this property – see pg XX. <br> the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX. <br> copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. <br> The loan meets HPML guidelines<br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br>XX XXXXXX XXX XXX, <br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXXXXXXX. <br> XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX. <br> XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX. <br> XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. <br> XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br>XX XXXXXX XXX XXX, <br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXXXXXXX. <br> XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX. <br> XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX. <br> XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. <br> XXX XXXX XXXXX XXXX XXXXXXXXXX<br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4490 |  |  | Closed | 2026-02-12 07:04 | 2026-02-12 07:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan.<br>no escrow for CES, <br> Rate lock date was entered correctly – see Pg#'s findings. <br> An interior and exterior appraisal was completed for this property – see pg XX. <br> the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX. <br> copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. <br> The loan meets HPML guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) The loan meets HPML Guidelines and is a Compliant HPML loan.<br>no escrow for CES, <br> Rate lock date was entered correctly – see Pg#'s findings. <br> An interior and exterior appraisal was completed for this property – see pg XX. <br> the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX. <br> copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. <br> The loan meets HPML guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br>XX XXXXXX XXX XXX, <br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXXXXXXX. <br> XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX. <br> XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX. <br> XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. <br> XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br>XX XXXXXX XXX XXX, <br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXXXXXXX. <br> XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX. <br> XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX. <br> XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. <br> XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3637 |  |  | Closed | 2026-01-29 22:37 | 2026-02-06 07:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of XX% is less than or equal to XXXXXXXXX HCLTV of XX% - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Mortgage statement uploaded reflects UPB of $XXX,XXX, Audited HLTV of XX% is equal to the XXXXXXXXX HCLTV of XX%, Verified & entered in system - Resolved<br> - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX MORTGAGE STATEMENT REFLECTS PRINCIPAL BALANCE $XXX,XXX - XXXXXX-XX/XX/XXXX <br>Open-Audited HLTV of XX.XX% exceeds XXXXXXXXX HCLTV of XX% XXXXXXXXX Max CLTV is XX% for investment with XXX as min XXXX, whereas per senior lien amount $XXX,XXX (Supplemental report pg-XX), CLTV calculated as $XX.XX% which is exceeding G/L limit. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX MORTGAGE STATEMENT REFLECTS PRINCIPAL BALANCE $XXX,XXX - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XX XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXXXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXX XXX XX $XXX,XXX, XXXXXXX XXXX XX XX% XX XXXXX XX XXX XXXXXXXXX XXXXX XX XX%, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXX XXXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3637 |  |  | Closed | 2026-01-29 23:07 | 2026-02-04 12:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provided HUD pg-XXX is not having settlement document and provided disbursement date XX/XX/XXXX is Prior to Notary date XX/XX/XXXX. Require updated HUD document. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3637 |  |  | Closed | 2026-01-29 21:48 | 2026-02-04 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-T Missing Loan qualified with full documentation, in file XXXX C document is missing. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX-X XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXX.XXX |  |  | XX | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5361 |  |  | Closed | 2026-02-02 20:43 | 2026-02-06 06:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Received exception to allow DTI to be above XX% - Due Diligence XXXXXX-XX/XX/XXXX <br>Waived-Received exception to allow DTI to be above XX% - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% CLTV calculated is >XX% in loan max allowed per guideline-XX/XX/XXXX is XX% DTI. Calculated DTI XX.XX% exceeds guideline XX% DTI. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXX-XXXXXXXX XXXXXXXXX XX XXXXX XXX XX XX XXXXX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXXXXXX XXXXXXXXX XX XXXXX XXX XX XX XXXXX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXX XXXXXXXXX.XXX |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> XXXXXXXX XXX $X,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Pre-Close | Yes |
| XXXX | xxxxxx5361 |  |  | Closed | 2026-02-02 20:48 | 2026-02-06 05:23 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received Intent to Proceed updated disclosure page. - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide intent to proceed missing in file - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXX XX XXXXXXX XXXXXXX XXXXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XX XXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5361 |  |  | Closed | 2026-02-02 20:29 | 2026-02-02 20:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#' XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3793 |  |  | Closed | 2026-01-30 04:16 | 2026-02-05 06:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception approved for Loan amount at $XX,XXX.XX - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. exception for lower loan amount from management attached. - XXXXXX-XX/XX/XXXX <br>Open-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Per guideline matrix dated XX/XX/XXXX, minimum loan amount $XX,XXX not meeting loan amount $XX,XXX. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. exception for lower loan amount from management attached. - XXXXXX-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX XXX XXXX XXXXXX XX $XX,XXX.XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX.XXXX |  | X. XXXX XXXX XXXXXXXX XXXXXX XX XXXX $X,XXX.XX<br> X. XXX XXX XX XX% XXXX XX XXX XX XX%. <br> X. XXXX XXXXXX XX XXXXXXXX. XX XXXXXX XX XXXXXXXX XXX XX XX X XXXXXX. | XX | Primary Residence | Refinance | Cash Out - Other | XX | Originator Post-Close | Yes |
| XXXX | xxxxxx3793 |  |  | Closed | 2026-01-30 05:22 | 2026-01-30 05:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg#XX, Appraisal Disclosure provided on page#XXX. The copy of appraisal sent to borrower confirmation page#XX-XX. The loan meets HPML guidelines. Resolved. - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX#XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX#XX-XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx3793 |  |  | Closed | 2026-01-30 05:22 | 2026-01-30 05:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg#XX, Appraisal Disclosure provided on page#XXX. The copy of appraisal sent to borrower confirmation page#XX-XX. The loan meets HPML guidelines. Resolved.<br> - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX "XX XXXXXX XXX XXXXXXX XXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXXXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX#XXX. XXX XXXX XX XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXXX XXXX#XX-XX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4978 |  |  | Closed | 2026-01-31 09:21 | 2026-02-04 12:17 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Assets not required, removed from XXXX/XXXX - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Final XXXX pg-XXX reflecting asset of XXXX#XXX, but in file no supporting document provided to verify the asset. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXX XXXXXXXX, XXXXXXX XXXX XXXX/XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX_XXXXX_<br> XXXXX XXXX.XXX |  |  | XX | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5246 |  |  | Closed | 2026-02-01 22:28 | 2026-02-06 06:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender credits decreased from $X,XXX in initial CD to $X in final CD. Provide COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5246 |  |  | Closed | 2026-02-01 22:28 | 2026-02-06 06:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Loan amount Points fee of $X,XXX.XX added in final cd. provide COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5575 |  |  | Closed | 2026-02-03 01:53 | 2026-02-03 01:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower in file page #XXX,XXX,XXX,XXX. The loan Meets HPML guideline, resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX,XXX,XXX,XXX. XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5575 |  |  | Closed | 2026-02-03 01:53 | 2026-02-03 01:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower in file page #XXX,XXX,XXX,XXX. The loan Meets HPML guideline, resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX,XXX,XXX,XXX. XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5496 |  |  | Closed | 2026-02-02 22:13 | 2026-02-04 08:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower in file page #XXX,XXX,XXX,XXX. The loan Meets HPML guideline, resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (XX.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX,XXX,XXX,XXX,XXX. XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx5496 |  |  | Closed | 2026-02-02 22:13 | 2026-02-04 08:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #XXX, An interior and exterior appraisal was completed for this property – see pg. #XX, Final CD is on page #XXX the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower in file page #XXX,XXX,XXX,XXX. The loan Meets HPML guideline, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXX XX X XXXXXX XXX XXXXXX XXXX XXX XX XXX XXXXXXXX XX XXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX, XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX. #XX, XXXXX XX XX XX XXXX #XXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXX XXXX #XXX,XXX,XXX,XXX,XXX. XXX XXXX XXXXX XXXX XXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0730 |  |  | Closed | 2026-02-02 04:54 | 2026-02-04 07:07 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Disbursement date is XX/XX/XXXX as per Final Closing Disclosure on page XX is earlier than the Right to Cancel expiration date XX/XX/XXXX as per right to cancel document page XXX,XXX,XXX. Provide a PCCD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XX XXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0730 |  |  | Closed | 2026-02-02 04:15 | 2026-02-03 23:59 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Updated Final XXXX & XXXX uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Hi, there is no XXXX XX XXXXXXX. UW has removed from XXXX - Seller-XX/XX/XXXX <br>Open-Provide XXXX XX XXXXXXX statements for the acct #XXXX of $XXXX.XX reflecting in final XXXX page XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi, there is no XXXX XX XXXXXXX. UW has removed from XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX & XXXX XXXXXXXX XXXX XXXXX XXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XX XXXXX_XXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXX XX XXXXX_XXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0730 |  |  | Closed | 2026-02-02 02:57 | 2026-02-03 23:59 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX Document uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide updated XXXX as the provided one on page XXX reflecting incorrect HTI XXX.XXX% and DTI XXX.XXX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XX XXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx0730 |  |  | Closed | 2026-02-02 02:54 | 2026-02-03 23:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Provide updated final XXXX for BX as the provided one on page XXX details for the business XX XXXXXX is not given position, start date and line of work is empty. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XX XXXXX_XXXX XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4134 |  |  | Closed | 2026-02-05 09:06 | 2026-02-06 06:45 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Under the Xxxxxxxxxx Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in Xxxxxxxxxx prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX.X) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4134 |  |  | Closed | 2026-02-06 06:42 | 2026-02-06 06:45 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-The disclosed Total of Payments ($XXX,XXX.XX) is understated by more than $XX when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XX.XX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XX. (XX CFR XXXX.XX(h)(X)(ii)) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4134 |  |  | Closed | 2026-02-03 00:19 | 2026-02-05 09:07 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Points - Loan Discount Fee increased from $XXX.XX in initial CD to $XXX in final CD. Provide COC for initial CD to final CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXX X-XX.XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4134 |  |  | Closed | 2026-02-03 00:19 | 2026-02-05 09:07 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Right to cancel expire date of XX/XX/XXXX is after disbursement date of XX/XX/XXXX. Provide PCCD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXX_XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4605 |  |  | Closed | 2026-02-06 18:27 | 2026-02-12 16:13 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved-compliance testing - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. Revised LE dated XX-XX-XXXX receipt date changed to XX-XX-XXXX but not reflecting in LM screen. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4605 |  |  | Closed | 2026-02-06 07:39 | 2026-02-12 00:19 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Provide a revised XXXX with primary wage earner's mid score per the GL. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXXXX XXXX XX XXX XXXX XXXXXXX XXX XXXXXXXXXX XXXX XXXX XXX XXXXXX XXXXXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4605 |  |  | Closed | 2026-02-06 18:27 | 2026-02-11 11:52 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4605 |  |  | Closed | 2026-02-06 18:27 | 2026-02-11 11:52 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4605 |  |  | Closed | 2026-02-06 18:27 | 2026-02-11 11:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). Recording Fee increased from Initial LE($XXX) to Revised LE($XXX) but COC for the same is not available. Provide COC for Recording Fee increase. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4605 |  |  | Closed | 2026-02-11 11:14 | 2026-02-11 11:33 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4605 |  |  | Closed | 2026-02-06 18:27 | 2026-02-11 11:17 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. This loan failed the TILA right of rescission test. Closed-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4605 |  |  | Closed | 2026-02-06 08:06 | 2026-02-11 03:11 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Updated Hazard insurance policy uploaded, Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after Note Date of XX-XX-XXXX. Provide Hazard Insurance policy with Effective Date covering the Note date XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XX XXX XXXX XXXX XX XX-XX-XXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XX XXX XXXX XXXX XX XX-XX-XXXX XX XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4605 |  |  | Closed | 2026-02-11 11:50 | 2026-02-11 11:52 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx4605 |  |  | Closed | 2026-02-11 11:50 | 2026-02-11 11:52 | Resolved | 1 - Information A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6854 |  |  | Closed | 2026-04-13 11:51 | 2026-04-14 16:28 | Resolved | 1 - Information A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Added Initial CD that was missing, finding cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Rescinded-Added Initial CD that was missing, finding cleared. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the<br> consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three<br> business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii))<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXX XXXXXXX XX XXXX XXX XXXXXXX, XXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXX XXXXXXX XX XXXX XXX XXXXXXX, XXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx6854 |  |  | Closed | 2026-04-13 11:51 | 2026-04-14 16:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __n/a (Xnd lien)__ and the Final Closing disclosure on Pg#'s _ n/a (Xnd lien)___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _XXX__ An interior and exterior appraisal was completed for this property – see pg __XX__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__XX_ , and copy of the appraisal was given to the borrower – see Pg#'s __XX___ for the copy of the disclosure. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (XX.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(XXX)) XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X __X/X (XXX XXXX)__ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X _ X/X (XXX XXXX)___ XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X _XXX__ XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX __XX__ , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X__XX_ , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X __XX___ XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8274 |  |  | Closed | 2026-04-13 10:34 | 2026-04-15 13:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC for the fail, finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Received COC for this fail. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX XXX XXX XXX XXXX, XXXXXXX XXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX_XXX XXXXXX XX XXXXXXXXXXXX (XX).XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8274 |  |  | Closed | 2025-08-06 00:05 | 2025-08-14 01:49 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Updated Completion Report (442/1004D) | Resolved-XXXXD document provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-XXXXD - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Provide corrected XXXXD Date of Inspection showing XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8274 |  |  | Closed | 2025-08-05 22:34 | 2025-08-13 04:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE that is within the XX Business days from closing provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-vvoe - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXX XX XXXXXX XXX XX XXXXXXXX XXXX XXXX XXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8036 |  |  | Closed | 2026-04-13 14:03 | 2026-04-16 12:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML requirements are met. Finding has been resolved - Due Diligence Vendor-04/16/2026 <br>Open- - Due Diligence Vendor-04/14/2026 <br>Open- - Due Diligence Vendor-04/14/2026 <br>Open- - Due Diligence Vendor-04/14/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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. - Due Diligence Vendor-04/14/2026 <br>Open- - Due Diligence Vendor-04/13/2026 |  | Resolved-HPML requirements are met. Finding has been resolved - Due Diligence Vendor-04/16/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8036 |  |  | Closed | 2025-10-04 04:57 | 2025-10-10 07:21 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Gap Report uploaded for review. - Seller-10/09/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Greater than 10 days from Closing date. - Due Diligence Vendor-10/04/2025 | Ready for Review-Document Uploaded. Gap Report uploaded for review. - Seller-10/09/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/10/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8036 |  |  | Closed | 2025-10-04 03:17 | 2025-10-10 03:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/10/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Updated title has been uploaded for review. - Buyer-10/09/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount $XXXX - Due Diligence Vendor-10/04/2025 |  | Resolved-Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/10/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/10/2025 | XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8036 |  |  | Closed | 2025-10-04 05:34 | 2025-10-09 06:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Acknowledgment of Fair Market Value of Homestead Property is Missing | Resolved-Acknowledgment provided, finding resolved. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. Acknowledgment of receipt of Fair Market Value Disclosure uploaded for review. - Buyer-10/07/2025 <br>Open-Acknowledgment of Fair Market Value of Homestead Property is Missing in loan file. - Due Diligence Vendor-10/04/2025 |  | Resolved-Acknowledgment provided, finding resolved. - Due Diligence Vendor-10/09/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| XXXX | xxxxxx8036 |  |  | Closed | 2025-10-04 04:34 | 2025-10-08 05:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd party VOE provided. Resolved - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. SE VOE uploaded for review. - Seller-10/07/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing in loan file. - Due Diligence Vendor-10/04/2025 | Ready for Review-Document Uploaded. SE VOE uploaded for review. - Seller-10/07/2025<br>| Resolved-Borrower 1 3rd party VOE provided. Resolved - Due Diligence Vendor-10/08/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |

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## Exhibit 99.17

**Exhibit 99.17**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxxx4193 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4193 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx4193 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4193 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4193 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx5169 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx5169 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx2342 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx5616 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx5616 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5616 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6324 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6324 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6324 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx6324 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6545 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6545 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6545 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6545 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7206 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx7999 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8245 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8245 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8245 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8248 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8276 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8256 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8254 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8254 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8246 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8246 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8253 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8281 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8281 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8279 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx5334 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8266 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8266 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8266 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8266 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx8266 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8262 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8262 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8262 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx8262 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8263 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8263 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8263 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx8263 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8267 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8267 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8267 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8267 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8267 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx8267 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8267 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8267 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8264 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8264 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8264 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx8264 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8269 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8269 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx6537 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8251 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8251 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8251 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8270 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8270 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8530 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8696 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8277 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8275 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6704 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6704 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6238 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6238 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6238 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx6238 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6238 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6238 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8241 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx5838 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5838 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx6469 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6469 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx6469 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx6469 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6469 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7976 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7849 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx7849 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7849 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx7849 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7849 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7849 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8668 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8668 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8668 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx5751 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5751 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5751 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7017 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7017 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7017 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| xxxxxx7017 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx7017 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7017 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8783 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8783 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8783 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8783 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6415 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6415 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7981 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7981 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx7981 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7981 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9555 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9555 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9555 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5513 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5513 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5513 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5524 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5948 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5948 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx5948 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx5948 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5948 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx2845 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx2845 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx2845 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2845 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8459 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8081 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx9268 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9268 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9268 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8168 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx7483 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx7483 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7483 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| xxxxxx7483 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx7483 |  |  | XXXX | XXXX | TitlePage | XXXX | XXXX | XXXX |
| xxxxxx7483 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7483 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9072 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9072 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx9072 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx9072 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx9072 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9072 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx7040 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8376 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8376 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8376 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8374 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8374 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8374 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8405 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx8405 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| xxxxxx8405 |  |  | XXXX | XXXX | TitlePage | XXXX | XXXX | XXXX |
| xxxxxx6664 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx6664 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6664 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9041 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9041 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| xxxxxx9041 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx9041 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9041 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8462 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9373 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5064 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6715 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6715 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx6715 |  |  | XXXX | XXXX | disclosuresPage | XXXX | XXXX | XXXX |
| xxxxxx9377 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9377 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9443 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9443 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9443 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8398 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| xxxxxx7171 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7171 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx2128 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2128 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx2128 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2128 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx2128 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx2128 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx2128 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8698 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx8698 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx8698 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8698 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8698 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8698 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8698 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx0061 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx0061 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx0061 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8986 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8986 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx8986 |  |  | XXXX | XXXX | disclosuresPage | XXXX | XXXX | XXXX |
| xxxxxx8986 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8986 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx9258 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9258 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9258 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx9258 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9258 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1114 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx1114 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx1114 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx1114 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx1124 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1124 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx1124 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx1124 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx1124 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1124 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8502 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8096 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8096 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8096 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8096 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx0026 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| xxxxxx0026 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx0026 |  |  | XXXX | XXXX | TitlePage | XXXX | XXXX | XXXX |
| xxxxxx0026 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1123 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1123 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx1123 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx1123 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx1123 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
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| xxxxxx3793 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | disclosuresPage | XXXX | XXXX | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5172 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5172 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx5172 |  |  | XXXX | XXXX | disclosuresPage | XXXX | XXXX | XXXX |
| xxxxxx5172 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx4978 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4978 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx5246 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5575 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5575 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx5575 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx8085 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8085 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx8085 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx8085 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx5496 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5496 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx5496 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx5496 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5496 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx0730 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx0730 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx0730 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx0730 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx0730 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4134 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx4134 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4134 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx4134 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4134 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx0203 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx0203 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx0203 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx0203 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx0203 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx2282 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx2282 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx2282 |  |  | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| xxxxxx2282 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx2282 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4331 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4331 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx4331 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx4953 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4605 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx4605 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx4605 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4605 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4605 |  |  | XXXX | XXXX | disclosuresPage | XXXX | XXXX | XXXX |
| xxxxxx8036 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8036 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.18

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxxx4193 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 27.16 | 67.86 | XXXX | XXXX |  |  | XXXX | XXXX | .0454 | AVM | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0454 | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6837 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.37 | 79.11 | XXXX | XXXX | -.0243 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0243 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxxx5169 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.08 | 74.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx2342 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.24 | 79.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx5616 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.34 | 79.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6324 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 21.84 | 65.23 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6820 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.81 | 58.27 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX | Eligible | 1.7 | XXXX |
| xxxxxx6545 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 6.64 | 54.56 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7197 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.86 | 75.61 | XXXX | XXXX | -.0122 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0122 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6822 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 20.59 | 78.07 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7206 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.71 | 74.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx7201 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.63 | 78.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| xxxxxx7899 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.33 | 59.51 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 3.8 | XXXX |
| xxxxxx2888 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 26.48 | 59.46 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7999 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 10.43 | 52.11 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8245 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 30.74 | 59.58 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8248 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 18.27 | 73.61 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8252 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.29 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| xxxxxx8286 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 26.93 | 69.16 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8276 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.56 | 76.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8256 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.56 | 69.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| xxxxxx8254 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.58 | 63.29 |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx8246 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.41 | 79.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxxx8247 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 25.07 | 56.59 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8249 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.81 | 61.09 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| xxxxxx8253 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.91 | 75.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx8281 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.47 | 69.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| xxxxxx8279 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.73 | 73.04 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx5334 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 30.98 | 74.96 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8283 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.0 | 72.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| xxxxxx8266 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.57 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| xxxxxx8271 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 19.95 | 37.26 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8268 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.61 | 69.56 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| xxxxxx8262 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 22.45 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8263 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 25.29 | 74.97 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx8267 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.7 | 54.75 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.9 | XXXX |
| xxxxxx8242 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.07 | 50.1 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8264 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 15.23 | 74.97 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8269 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.15 | 59.75 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6537 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 51.2 | 74.58 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8251 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 27.54 | 69.74 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8240 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.3 | 79.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8239 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 26.42 | 64.82 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8243 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.49 | 71.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8237 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.25 | 78.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| xxxxxx8278 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.67 | 74.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8270 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 25.97 | 74.58 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8287 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 5.63 | 37.34 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8530 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 5.41 | 47.15 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8696 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.11 | 77.24 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx8277 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.66 | 83.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8285 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.02 | 64.77 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| xxxxxx8275 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.64 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx6704 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 42.11 | 77.74 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 84.0 | 0.16 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6238 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.77 | 63.64 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 4 | XXXX |
| xxxxxx8241 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.2 | 35.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx5838 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.15 | 56.88 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6469 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.29 | 74.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 3.2 | XXXX |
| xxxxxx7976 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.1 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx7625 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 44.78 | 74.02 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx7849 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 9.26 | 45.57 | XXXX | XXXX | .0592 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0592 | 89.0 | 0.11 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8668 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 24.69 | 79.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 4.1 | XXXX |
| xxxxxx5751 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 26.98 | 52.63 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7017 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.98 | 68.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.3 | XXXX |
| xxxxxx8783 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 15.41 | 76.66 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6415 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.59 | 74.02 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7981 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.67 | 74.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| xxxxxx9555 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.5 | 46.53 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 4.6 | XXXX |
| xxxxxx5513 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.24 | 67.23 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8175 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.46 | 69.23 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.6 | XXXX |
| xxxxxx5524 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.1 | 66.95 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5948 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.1 | 78.45 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2845 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 14.86 | 53.86 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8459 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.27 | 80.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| xxxxxx8081 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.13 | 80.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9268 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.43 | 79.68 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| xxxxxx8168 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 16.6 | 59.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7483 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 42.0 | 79.97 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9072 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 20.06 | 81.04 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx7040 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.54 | 68.52 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| xxxxxx9203 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.49 | 77.7 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 99.0 | 0.01 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8376 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 18.73 | 69.56 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7639 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 16.37 | 79.86 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8374 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.11 | 62.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 24.1 | 72.65 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8405 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 25.51 | 61.66 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6664 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.61 | 62.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.4 | XXXX |
| xxxxxx9041 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 24.48 | 65.16 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8462 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 22.01 | 72.68 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9373 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.17 | 72.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxxx5064 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.63 | 74.68 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6715 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.57 | 37.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9377 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 18.06 | 74.63 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9443 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 17.37 | 73.65 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8398 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.08 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 3.9 | XXXX |
| xxxxxx7171 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.45 | 79.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx8968 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.17 | 79.24 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx2128 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.12 | 61.64 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 3.2 | XXXX |
| xxxxxx8698 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.73 | 44.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| xxxxxx0268 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.39 | 64.33 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0061 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.41 | 57.7 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.7 | XXXX |
| xxxxxx8986 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.83 | 55.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8497 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.57 | 67.08 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9258 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.91 | 68.53 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1114 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.63 | 48.32 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| xxxxxx1124 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.69 | 49.69 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| xxxxxx8502 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.3 | 79.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8096 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.22 | 68.92 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0026 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.96 | 63.73 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1123 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.69 | 48.08 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| xxxxxx1392 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.74 | 69.83 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 3 | XXXX |
| xxxxxx9096 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 22.87 | 44.54 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6079 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.81 | 74.68 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxxx9210 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 18.33 | 75.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 3.3 | XXXX |
| xxxxxx5087 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 20.37 | 71.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2 | XXXX |
| xxxxxx3823 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 8.58 | 43.78 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3217 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 17.86 | 56.46 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1119 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 6.78 | 40.65 | XXXX | XXXX | -.0650 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0650 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 4.6 | XXXX |
| xxxxxx1120 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.14 | 45.64 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 4.6 | XXXX |
| xxxxxx4730 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.5 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9795 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.15 | 59.89 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| xxxxxx9649 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.28 | 65.37 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0070 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.27 | 47.55 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 4.1 | XXXX |
| xxxxxx8213 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 16.94 | 41.33 | XXXX | XXXX | -.0506 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0506 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8245 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.57 | 65.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.4 | XXXX |
| xxxxxx9046 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 24.02 | 74.16 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1359 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.59 | 84.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0095 | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx8633 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.59 | 66.27 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9745 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.22 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8816 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.64 | 55.96 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0477 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.16 | 59.43 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1116 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.46 | 47.16 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| xxxxxx1824 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.17 | 69.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxxx0296 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 27.72 | 69.56 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9224 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 30.17 | 61.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1168 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.57 | 65.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8155 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.66 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| xxxxxx0115 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 48.44 | 79.77 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3029 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.09 | 84.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0258 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.2 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9335 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.42 | 84.31 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6139 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.75 | 59.68 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx9540 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.09 | 61.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0033 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.46 | 88.13 | XXXX | XXXX | .0400 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0400 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8654 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.74 | 62.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9763 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.91 | 79.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0614 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.25 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxxx7835 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.42 | 44.28 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx0580 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.55 | 69.24 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8887 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.52 | 46.68 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 4.4 | XXXX |
| xxxxxx9049 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.28 | 63.9 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9611 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.71 | 71.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 2 | XXXX |
| xxxxxx0834 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.49 | 61.31 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0984 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.54 | 63.68 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx5613 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.85 | 62.37 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0282 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.83 | 69.64 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 3.6 | XXXX |
| xxxxxx7677 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.01 | 79.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 2.2 | XXXX |
| xxxxxx8117 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.14 | 76.39 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx1044 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.38 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8276 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.67 | 79.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 4.5 | XXXX | Eligible | 3.2 | XXXX |
| xxxxxx8676 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 11.91 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1608 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 17.78 | 47.38 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 3.4 | XXXX |
| xxxxxx1707 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 26.12 | 84.93 | XXXX | XXXX | .0443 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0443 | 84.0 | 0.16 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9271 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.68 | 74.92 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2671 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.86 | 58.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2 | XXXX |
| xxxxxx0772 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.33 | 64.93 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0477 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 38.74 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx0472 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 14.7 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9511 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 6.63 | 68.85 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8621 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 17.1 | 74.89 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8511 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.48 | 85.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1574 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.67 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1064 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.84 | 74.8 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| xxxxxx8469 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.24 | 64.93 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx8220 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.39 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| xxxxxx9998 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.59 | 67.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8851 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.78 | 69.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0531 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 10.0 | 55.68 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx8567 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.17 | 40.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0511 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.16 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx0797 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Hybrid Appraisal | XXXX | XXXX | XXXX | XXXX | 19.94 | 74.27 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7383 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.14 | 56.58 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| xxxxxx8381 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.88 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8867 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.36 | 66.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx8367 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.99 | 72.21 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9353 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.79 | 79.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9400 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.9 | 79.91 | XXXX | XXXX | .0279 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0279 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1060 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 44.53 | 87.75 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4998 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.22 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx0204 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 22.8 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx7476 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 12.68 | 57.4 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1477 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.27 | 72.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx1271 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.82 | 84.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0756 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.55 | 76.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxxx3821 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 21.82 | 64.32 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6593 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.66 | 79.95 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx1376 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.58 | 48.54 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1563 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.88 | 72.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9469 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.31 | 79.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.8 | XXXX |
| xxxxxx1611 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 15.63 | 72.4 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2642 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.64 | 69.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxx8450 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.03 | 54.06 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1062 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 21.89 | 77.38 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0241 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.26 | 89.86 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx0401 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.12 | 74.81 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9496 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.54 | 84.32 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx6999 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.46 | 90.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1675 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.98 | 75.15 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0532 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.13 | 52.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 5 | XXXX | Not Eligible | 1.9 | XXXX |
| xxxxxx8920 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.53 | 32.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxx7257 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.39 | 55.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0898 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 4.95 | 79.96 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | -.0229 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8087 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.67 | 79.47 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1598 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.08 | 79.82 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0732 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.33 | 79.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0738 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 5.22 | 79.95 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | -.0229 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0737 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.24 | 79.95 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | -.0303 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0641 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.29 | 79.52 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0734 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.88 | 79.98 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX | -.0303 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx1295 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1075 Exterior Only Inspection Condo Report | XXXX | XXXX | XXXX | XXXX | 29.74 | 85.07 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2082 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.06 | 35.51 | XXXX | XXXX | -.0313 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0312 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| xxxxxx9631 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 31.5 | 74.67 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0748 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.59 | 79.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx1628 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 29.51 | 74.88 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9550 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 21.6 | 79.95 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2272 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.65 | 69.89 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx2606 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.49 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.4 | XXXX |
| xxxxxx8840 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.47 | 50.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| xxxx8376 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.53 | 61.24 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3718 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.25 | 79.96 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3493 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.5 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx1800 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 22.5 | 79.87 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1602 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.75 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | -.4023 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1279 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.87 | 85.98 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2302 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 20.59 | 69.31 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1380 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.24 | 60.33 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1923 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 20.64 | 74.81 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1210 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 16.57 | 89.7 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1014 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 35.29 | 75.89 | XXXX | XXXX | .0859 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0859 | 82.0 | 0.18 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx1268 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.8 | 74.72 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 4.3 | XXXX |
| xxxxxx8901 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.33 | 79.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8895 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.54 | 47.72 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8904 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 21.96 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8887 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 15.91 | 49.74 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8909 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.78 | 52.21 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8890 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.13 | 74.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxxx8906 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 43.33 | 74.85 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9897 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.19 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx8898 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.38 | 79.44 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8903 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.86 | 67.5 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2237 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.15 | 67.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8891 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.64 | 75.04 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| xxxxxx8902 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.77 | 72.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8883 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.71 | 42.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2115 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 14.54 | 56.2 | XXXX | XXXX | -.1126 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.1126 | 87.0 | 0.13 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1542 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.36 | 44.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2434 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.55 | 68.49 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxx8394 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.33 | 47.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6417 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 33.72 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2829 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.97 | 38.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3405 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.38 | 79.81 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3041 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.72 | 80.21 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 3.4 | XXXX |
| xxxxxx0837 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 32.48 | 71.6 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2110 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.98 | 74.94 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2102 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.57 | 79.78 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.1 | XXXX |
| xxxxxx3196 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.16 | 75.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2 | XXXX |
| xxxxxx9597 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.21 | 79.18 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3551 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.78 | 79.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3549 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.06 | 46.64 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 2 | XXXX |
| xxxxxx2246 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.2 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3047 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.67 | 73.03 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4846 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.2 | 78.58 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3810 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.22 | 74.3 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| xxxxx7052 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 22.22 | 65.93 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx8467 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.27 | 36.31 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8905 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 16.97 | 79.7 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8884 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.65 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8910 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.67 | 50.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| xxxxxx9625 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.09 | 67.58 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2944 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 18.79 | 77.38 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0841 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 27.73 | 79.64 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2326 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.69 | 79.58 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2034 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.65 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3181 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.87 | 61.2 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1010 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.44 | 84.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.8 | XXXX |
| xxxxxx2134 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.08 | 53.8 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1071 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.71 | 67.04 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8889 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.97 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2120 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.15 | 79.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9981 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.92 | 84.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.4 | XXXX |
| xxxxxx2125 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 24.91 | 83.47 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1254 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.85 | 85.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9230 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 17.13 | 82.78 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1716 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.2 | 32.7 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1710 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 10.99 | 70.24 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1718 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 14.62 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3199 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.8 | 75.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| xxxxxx3049 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.18 | 74.81 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7503 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.52 | 79.64 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9863 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.59 | 80.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3051 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2095 Exterior Only Inspection Coop Report | XXXX | XXXX | XXXX | XXXX | 14.42 | 74.86 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4092 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 21.09 | 72.23 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2389 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 17.76 | 61.44 | XXXX | XXXX | -.0072 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0072 | 87.0 | 0.13 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5806 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.02 | 74.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.4 | XXXX |
| xxxxxx1061 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.57 | 74.9 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5813 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 21.58 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5815 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.89 | 69.1 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3368 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.29 | 72.68 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5803 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.93 | 74.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| xxxxx9731 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 13.6 | 69.38 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4916 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.61 | 74.08 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2021 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 21.43 | 44.44 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9104 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 27.54 | 74.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2211 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | 15.04 | 74.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4138 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 35.74 | 84.77 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4192 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 11.14 | 79.71 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3857 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.99 | 61.51 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxx8460 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 12.64 | 59.26 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2915 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4181 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.92 | 52.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3869 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 20.51 | 89.72 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3282 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.14 | 74.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| xxxxxx2233 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.22 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx2726 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.01 | 79.97 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2557 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.85 | 59.06 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | -.0299 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3868 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.33 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3095 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.0 | 52.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2202 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.48 | 71.41 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3340 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 29.41 | 72.3 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4890 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 21.05 | 68.6 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4046 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.63 | 69.32 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9441 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 21.94 | 72.4 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3814 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.06 | 79.72 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2783 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.37 | 73.23 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx2739 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 26.19 | 49.1 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9119 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.46 | 63.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxxx2152 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.99 | 61.76 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx4477 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 20.08 | 69.44 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9118 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.2 | 79.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxxx9120 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.64 | 68.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9127 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 22.12 | 54.89 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9122 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.37 | 53.96 | XXXX | XXXX | -.1123 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.1123 | XXXX | High Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9131 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.28 | 61.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9123 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 9.99 | 59.57 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9134 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.72 | 77.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx5855 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.98 | 73.21 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9128 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.32 | 77.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| xxxxxx9133 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.04 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| xxxxxx9121 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.09 | 79.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9126 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.55 | 74.66 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.8 | XXXX |
| xxxxxx9130 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.5 | 35.14 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2261 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.93 | 79.98 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5954 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.72 | 42.03 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4791 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.92 | 79.24 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx4100 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.33 | 69.67 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6249 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 16.64 | 65.26 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0538 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.9 | 79.86 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4536 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.62 | 50.41 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4652 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.95 | 59.88 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx0612 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 25.21 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5801 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.61 | 64.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx3456 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.37 | 58.26 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 3.9 | XXXX |
| xxxxx0041 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 33.06 | 64.11 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx9960 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 28.58 | 73.08 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2678 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | 5.97 | 52.69 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4877 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 20.79 | 44.58 | XXXX | XXXX | .0056 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0056 | 89.0 | 0.11 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3411 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.54 | 34.79 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4593 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.35 | 89.85 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4680 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.47 | 79.4 | XXXX | XXXX | -.0065 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0065 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6359 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.75 | 74.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.8 | XXXX |
| xxxxxx6775 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 27.78 | 69.41 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4355 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.93 | 79.86 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4357 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.69 | 79.92 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3750 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 18.67 | 59.78 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4349 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.82 | 79.98 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4800 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.25 | 55.65 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6917 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.49 | 67.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| xxxxxx4812 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 15.2 | 74.74 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5442 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.43 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx9125 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.78 | 88.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| xxxxxx9129 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.58 | 79.92 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | LowRisk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9115 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.01 | 67.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9124 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 30.84 | 65.47 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7228 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 26.11 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4285 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.86 | 82.33 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9136 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.86 | 79.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9117 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 15.48 | 77.57 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2818 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.25 | 74.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2817 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.05 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| xxxxxx4124 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.47 | 65.69 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3553 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.32 | 51.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx6143 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.55 | 74.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx5787 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 37.83 | 74.95 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9150 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.96 | 53.07 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9279 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 7.35 | 48.3 | XXXX | XXXX | -.0533 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0533 | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4696 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.4 | 38.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 3.1 | XXXX |
| xxxxxx6377 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 40.18 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 3.3 | XXXX |
| xxxxxx5556 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 20.02 | 61.24 | XXXX | XXXX | -.0340 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0340 | 88.0 | 0.12 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9278 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 15.38 | 52.03 | XXXX | XXXX | .0317 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0317 | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9270 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.26 | 74.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9269 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 7.15 | 26.77 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7097 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.27 | 76.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| xxxxxx1360 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.24 | 84.15 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx9276 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 14.52 | 48.51 | XXXX | XXXX | -.0256 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0256 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5924 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 18.25 | 89.37 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6098 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 21.43 | 79.07 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5953 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.37 | 49.14 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| xxxxxx5347 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.35 | 72.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx7485 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 56.83 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6750 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.82 | 38.87 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3947 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 16.57 | 72.53 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6795 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.47 | 72.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxxx2125 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.0 | 37.72 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx5486 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.5 | 68.31 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7203 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.02 | 79.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| xxxxxx6927 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 28.64 | 57.83 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5050 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.92 | 90.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7828 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.65 | 64.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| xxxxxx9364 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.82 | 68.28 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7572 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.69 | 74.99 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8503 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.71 | 66.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx5066 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.95 | 74.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.8 | XXXX |
| xxxxxx6398 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.02 | 79.68 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6989 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 36.79 | 78.97 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6493 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 10.16 | 53.02 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7411 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.78 | 66.64 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6994 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.37 | 74.57 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx5876 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.36 | 79.5 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5873 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 18.46 | 79.83 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5091 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 11.07 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7981 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 35.41 | 69.67 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7064 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 28.38 | 68.14 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6884 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.98 | 34.3 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6491 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.8 | 81.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| xxxxxx6345 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 24.55 | 54.96 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7035 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 29.68 | 62.23 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4550 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.24 | 79.57 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| xxxxxx6337 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.76 | 77.9 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7844 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.52 | 79.83 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9773 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.52 | 84.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| xxxxxx7645 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 23.33 | 72.67 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7696 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 25.97 | 59.72 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2688 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 20.65 | 73.49 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8293 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.53 | 79.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx7638 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.68 | 64.08 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8701 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.82 | 75.08 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx9495 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 13.69 | 55.33 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6225 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.78 | 65.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| xxxxxx7217 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 53.65 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxxx8420 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.79 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9492 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 9.52 | 44.63 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5712 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.88 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| xxxxxx4424 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.99 | 55.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6739 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 10.88 | 56.26 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9252 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.38 | 79.77 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9397 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.38 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8964 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.84 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8464 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.45 | 84.43 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxx8441 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.34 | 79.98 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9824 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.47 | 67.68 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9498 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 8.71 | 29.83 | XXXX | XXXX | .0769 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0769 | 85.0 | 0.15 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3714 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.36 | 70.86 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx1430 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.58 | 67.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9485 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.22 | 56.53 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxxx2936 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.03 | 30.83 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3661 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.87 | 61.12 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5701 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 9.07 | 74.87 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5927 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.81 | 60.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| xxxxxx7926 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.97 | 65.9 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9258 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.24 | 68.2 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9343 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.55 | 70.86 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 4.3 | XXXX |
| xxxxxx5674 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.72 | 84.72 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0466 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.67 | 59.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9143 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.39 | 71.11 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9840 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.95 | 62.96 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| xxxxxx6390 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.3 | 73.02 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| xxxxxx7245 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.39 | 71.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx7789 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.41 | 58.4 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| xxxxxx9541 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.74 | 74.96 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.7 | XXXX |
| xxxxxx9537 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.51 | 52.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx9535 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.19 | 69.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9536 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.19 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.2 | XXXX |
| xxxxxx9300 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.31 | 74.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| xxxxxx9547 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.05 | 57.04 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| xxxxxx9551 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.74 | 62.73 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxxx9392 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.38 | 79.68 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| xxxxxx9532 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.54 | 69.92 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5875 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.84 | 47.2 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6691 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 36.21 | 63.95 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4415 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 33.96 | 79.71 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9539 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.57 | 76.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| xxxxxx9548 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.0 | 45.34 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9534 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.92 | 64.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| xxxxxx9544 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.99 | 79.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| xxxx8453 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.17 | 53.9 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8740 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.29 | 67.37 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 4.3 | XXXX |
| xxxxxx5333 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.81 | 74.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| xxxxxx8246 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.78 | 69.88 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk No Rated | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9545 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 15.98 | 89.99 | XXXX | XXXX | -.0761 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0761 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8089 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.77 | 74.62 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3911 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 23.43 | 79.88 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9311 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.29 | 74.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9549 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 40.17 | 74.92 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.7 | XXXX |
| xxxxxx9542 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.47 | 74.69 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9533 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.3 | 47.1 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx7219 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.5 | 52.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| xxxxxx4510 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.48 | 74.45 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9948 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 21.94 | 68.41 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 88.0 | 0.12 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9337 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.87 | 68.58 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9377 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.97 | 73.23 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| xxxxxx8584 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.23 | 78.93 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9546 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 20.38 | 46.8 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9257 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.3 | 56.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| xxxxxx9042 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.1 | 68.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx7350 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 25.63 | 46.31 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7230 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.48 | 64.72 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| xxxxxx0826 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 18.18 | 49.43 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1622 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.55 | 79.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6272 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.31 | 79.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxx8470 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.44 | 71.93 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8972 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.66 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5410 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 8.7 | 24.91 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8622 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.58 | 69.08 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9418 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.39 | 90.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9441 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.15 | 84.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9118 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.82 | 79.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx8959 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.27 | 32.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx1777 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.56 | 45.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3073 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 49.71 | 79.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8289 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 29.03 | 70.08 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8824 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 35.31 | 79.77 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6437 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.68 | 79.71 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx9950 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.96 | 65.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| xxxxxx6541 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.92 | 79.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx9482 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.59 | 60.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0669 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 9.94 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 0 | XXXX |
| xxxxxx9946 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 20.41 | 74.28 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9510 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 8.96 | 79.9 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7724 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 26.81 | 83.42 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9543 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.26 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9857 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.57 | 78.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| xxxxxx0025 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.0 | 59.51 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8654 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.93 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| xxxxxx8202 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.95 | 44.6 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8896 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.56 | 78.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx7707 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 18.16 | 71.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1938 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 28.19 | 59.25 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx0237 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 33.3 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8118 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.18 | 67.21 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1228 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.17 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx0360 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 12.5 | 80.11 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9329 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.08 | 47.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8609 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.03 | 84.87 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2930 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.33 | 46.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.8 | XXXX |
| xxxxxx8004 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.36 | 79.88 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9386 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.47 | 48.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2 | XXXX |
| xxxxxx7604 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.87 | 74.01 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0185 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 6.5 | 84.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| xxxxxx9720 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.24 | 57.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx7176 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 35.86 | 79.9 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8763 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.54 | 65.28 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0429 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.6 | 45.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1333 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.67 | 61.25 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxxx9491 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.7 | 69.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9496 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.41 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0064 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.9 | 72.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| xxxxxx8161 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.68 | 60.65 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1250 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 14.96 | 69.61 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0306 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 43.42 | 80.0 | XXXX | XXXX | -.0090 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0090 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| xxxxxx8231 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 20.47 | 76.92 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 68.0 | 0.32 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2064 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 27.78 | 76.02 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7706 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 40.19 | 69.92 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2371 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.75 | 79.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| xxxxxx2497 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 28.76 | 74.73 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2490 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 28.63 | 74.82 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9845 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.26 | 84.3 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible | 2 | XXXX |
| xxxxxx9141 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 25.19 | 63.67 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9840 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.57 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| xxxxxx9842 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.23 | 84.68 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx9846 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.02 | 45.58 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| xxxxxx9843 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.3 | XXXX |
| xxxxxx7708 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.91 | 74.43 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9142 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 12.82 | 38.48 | XXXX | XXXX | .0378 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0378 | 86.0 | 0.14 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9849 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 11.24 | 51.32 | XXXX | XXXX | -.0091 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0091 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9572 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.75 | 68.54 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9560 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 32.93 | 69.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxxx0968 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.83 | 84.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx0525 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 22.18 | 71.02 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0599 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.85 | 63.26 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0117 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 25.51 | 57.32 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1542 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.6 | 48.51 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9198 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.95 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6500 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.89 | 60.14 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7651 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.33 | 68.6 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| xxxxxx7390 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.38 | 49.76 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| xxxxxx8315 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.36 | 67.58 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx0619 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.3 | 49.68 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx9975 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.67 | 79.14 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9143 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.77 | 39.79 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9618 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 40.14 | 79.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9479 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.56 | 83.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9440 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.76 | 79.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8772 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.09 | 54.09 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9766 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 16.82 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx9502 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.89 | 58.51 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0176 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.23 | 64.79 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1224 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.75 | 48.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0738 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.71 | 77.75 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8180 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 47.35 | 74.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2598 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.07 | 74.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| xxxxxx1667 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 5.77 | 37.13 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9403 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.0 | 68.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx0515 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 31.32 | 78.57 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7533 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 17.14 | 79.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| xxxxxx8854 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 31.88 | 76.17 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0275 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 5.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9885 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.44 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.8 | XXXX |
| xxxxxx9886 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 14.08 | 62.21 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9890 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.06 | 74.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| xxxxxx9881 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.55 | 64.59 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9898 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.75 | 36.45 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| xxxxxx9900 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 10.58 | 55.3 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9884 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.2 | 72.66 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9888 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.59 | 64.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1893 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 20.24 | 65.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 87.0 | 0.13 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9901 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.0 | 74.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx9899 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 15.98 | 52.93 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9897 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.71 | 67.19 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9891 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.82 | 55.56 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1235 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.51 | 43.58 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5618 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 3.3 | 62.64 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9922 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.07 | 90.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9833 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 20.08 | 74.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.5 | XXXX |
| xxxxxx2108 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 17.86 | 69.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9883 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.5 | 36.2 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9893 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.96 | 57.95 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9876 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.77 | 70.18 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9894 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.71 | 33.2 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9878 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.25 | 69.79 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0520 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.44 | 68.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2978 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 14.0 | 43.93 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Score Provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2315 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.41 | 32.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6351 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxxx9882 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.71 | 43.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxxx6039 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.31 | 34.2 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0210 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.73 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx4151 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.0 | 73.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6856 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.67 | 79.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3057 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 14.58 | 50.83 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9675 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.1 | 69.04 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1425 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.27 | 79.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| xxxxxx2015 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.4 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9484 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.32 | 40.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2937 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.42 | 74.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8158 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 27.54 | 76.21 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0957 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 14.23 | 66.78 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1500 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 16.91 | 49.37 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9173 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.09 | 55.66 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1903 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.53 | 79.66 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| xxxxxx2137 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.24 | 89.05 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2269 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 17.6 | 80.0 | XXXX | XXXX | -.0328 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0328 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4620 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 29.04 | 74.91 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2182 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.33 | 58.74 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| xxxxxx9749 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.86 | 65.22 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2118 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 10.8 | 61.76 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9727 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 18.35 | 74.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4445 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.09 | 59.97 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx4169 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.41 | 82.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8201 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 37.53 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 0 | XXXX |
| xxxxxx7151 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.38 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx4936 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.28 | 79.13 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| xxxxxx4527 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 38.47 | 69.94 | XXXX | XXXX | -.0169 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0169 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2460 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.25 | 70.24 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8143 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.54 | 70.72 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1756 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.13 | 90.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0645 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 12.71 | 74.62 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4688 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.27 | 41.56 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1050 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 48.76 | 64.54 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9814 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 18.8 | 77.58 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2248 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.69 | 77.51 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3958 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 27.91 | 35.65 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0787 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 26.54 | 72.11 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3363 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.89 | 79.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx4180 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 32.41 | 64.91 | XXXX | XXXX | -.0370 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0370 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4539 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 16.5 | 72.4 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5800 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.0 | 43.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxxx5120 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.44 | 59.39 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3040 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.8 | 76.6 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3814 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.36 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx5088 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 9.12 | 49.04 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4612 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.87 | 60.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx5713 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.44 | 53.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx4790 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.11 | 90.0 | XXXX | XXXX | -.0129 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0129 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3649 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.14 | 45.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx4490 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.75 | 71.32 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| xxxxxx3637 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.11 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2 | XXXX |
| xxxxxx5361 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.16 | 89.69 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 5.87 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5172 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.93 | 79.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxxx4978 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.75 | 53.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx5246 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.7 | 46.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxxx5575 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.79 | 90.0 | XXXX | XXXX | .0024 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0024 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8085 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 11.93 | 70.37 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx5496 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.92 | 83.73 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0730 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.65 | 39.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx4134 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.27 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0203 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 40.87 | 79.95 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2282 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.93 | 39.88 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4331 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.1 | 61.02 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| xxxxxx4953 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.26 | 74.99 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4605 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.73 | 61.43 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx6854 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.39 | 56.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8274 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.3 | 68.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8036 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.18 | 76.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |

---

## Exhibit 99.19

**Exhibit 99.19**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| Loan ID | Seller Loan ID | Investor Loan ID | Seller Name | Loan Program | Documentation Type | Executed NOO Docs in File | Lease In Place Flag | Actual In Place Rent | Third Party Market Rent Estimate | Third Party Rent Source | Actual Short Term Rent Amount | Actual Short Term Rent Source | Short Term Rent Number of Months | Short Term Rental Occupancy Factor | Rental Income Used for Property DSCR Calculation | Rental Source for Property DSCR Calculation | DSCR Calculation Based On Short Rental Income Flag | Property DTI | Originator DSCR | TPR DSCR | PITIA | Gross Rental Income Unit 1 | Lease End Date Unit 1 | Lease Term Unit 1 | Gross Rental Income Unit 2 | Lease End Date Unit 2 | Lease Term Unit 2 | Gross Rental Income Unit 3 | Lease End Date Unit 3 | Lease Term Unit 3 | Gross Rental Income Unit 4 | Lease End Date Unit 4 | Lease Term Unit 4 | Gross Rental Income Unit 5 | Lease End Date Unit 5 | Lease Term Unit 5 | Gross Rental Income Unit 6 | Lease End Date Unit 6 | Lease Term Unit 6 | Gross Rental Income Unit 7 | Lease End Date Unit 7 | Lease Term Unit 7 | Gross Rental Income Unit 8+ | Rent Loss Insurance | Rent Loss Insurance Amount | Fee Amount | Acquisition Cost | Renovation Cost | Effective Gross Income | Turnover Costs | Repairs and Maintenance | Marketing and Leasing Costs | Utilities | Other Costs | Cap Ex Reserve | Section 8 | Blanket Mortgage/Cross Collateral Flag | Number of Years Property Owned | Number of Mortgaged Properties With Lender | Number of Properties Securing Loan | Foreign National Alternative Credit Documentation | Months Reserves | Loan Closed in the name of Business Entity | Vested Business Entity Name | Vested Business Entity Type | Qualifying Primary Borrower Type | Qualifying Primary Borrower First Name | Qualifying Primary Borrower Last Name | Qualifying CoBorrower Type | Qualifying CoBorrower First Name | Qualifying CoBorrower Last Name | Qualifying CoBorrower 2 Type | Qualifying CoBorrower 2 First Name | Qualifying CoBorrower 2 Last Name | Qualifying CoBorrower 3 Type | Qualifying CoBorrower 3 First Name | Qualifying CoBorrower 3 Last Name | Non-Qualifying Guarantor 1 First Name | Non-Qualifying Guarantor 1 Last Name | Non-Qualifying Guarantor 1 Citizenship | Non-Qualifying Guarantor 1 Country Name | Non-Qualifying Guarantor 2 First Name | Non-Qualifying Guarantor 2 Last Name | Non-Qualifying Guarantor 2 Citizenship | Non-Qualifying Guarantor 2 Country Name | Personal Guaranty | Total Number of Guarantors | Personal Guaranty Recourse Level | Business Entity EIN | Primary Appraisal Occupancy |
| xxxxxx4193 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Missing | No | 0 | 0 | Appraisal - 1025 |  | N/A |  |  |  | Actual In Place Rent | No |  |  | 0 | 3429.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 146039 |  |  |  | 0 |  |  |  |  |  |  | No | No | 3.6 | 1 | 1 | N/A | 41.46 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |  |
| xxxxxx8256 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 5200 | 5200 | Appraisal - 1007 |  | N/A |  |  | 5200 | Appraisal - 1007 | No | 95.3 | 0 | 0 | 4955.56 | 5200 | 12-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 62400 |  |  |  | 5200 |  |  |  |  |  |  | No | No | 3.4 | 1 | 1 | N/A | 38.08 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx8247 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  | 0 | 0 | 3172.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35000 |  |  |  | 0 |  |  |  |  |  |  | No | No | 17.5 | 1 | 1 | N/A | 0.78 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |  |
| xxxxxx8281 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 3760 | Appraisal - 1007 |  | N/A |  |  | 3760 | Appraisal - 1007 | No | 98.74 | 0 | 0 | 3712.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 77400 |  |  |  | 3760 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 20.66 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx8266 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 9725 | Appraisal - 1025 |  | N/A |  |  | 9725 | Appraisal - 1025 | No | 93.79 | 0 | 0 | 9121.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 99800 |  |  |  | 9725 |  |  |  |  |  |  | No | No | 3.5 | 2 | 1 | N/A | 145.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| xxxxxx8271 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | Yes | 6000 | 6600 | Appraisal - 1025 |  | N/A |  |  | 6000 | Actual In Place Rent | No | 131.36 | 0 | 0 | 7881.59 | 2500 | 09-XX-2025 | 1 | 3500 | 09-XX-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 182130 |  |  | 0 | 6000 |  |  |  |  |  |  | No | No | 7.9 | 1 | 1 | N/A | 16.66 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx8268 | XXXX | XXXX | XXXX | XXXX | Written Verification of Employment | Present | Yes | 6500 | 6500 | Appraisal - 1007 |  | N/A |  |  | 6500 | Actual In Place Rent | No | 112.77 | 0 | 0 | 7329.99 | 6500 | 07-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 87959.88 |  | XXX |  | 6500 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 24.31 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx8262 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | Yes | 4770 | 7000 | Appraisal - 1025 |  | N/A |  |  | 4770 | Actual In Place Rent | No | 103.51 | 0 | 0 | 4937.23 | 3370 | 04-XX-2026 | 12 | 1400 | 08-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27000 |  |  |  | 4770 |  |  |  |  |  |  | No | No | 4.4 | 4 | 1 | N/A | 39.82 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| xxxxxx8263 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | Yes | 5870 | 7000 | Appraisal - 1025 |  | N/A |  |  | 5870 | Actual In Place Rent | No | 68.81 | 0 | 0 | 4039.44 | 2500 | 04-XX-2026 | 12 | 3370 | 04-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37000 |  |  |  | 5870 |  |  |  |  |  |  | No | No | 1 | 4 | 1 | N/A | 95.17 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| xxxxxx8267 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | Yes | 7000 | 9150 | Appraisal - 1007 |  | N/A |  |  | 7000 | Actual In Place Rent | No | 119.06 | 0 | 0 | 8334.55 | 7000 | 05-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 194400 |  |  |  | 7000 |  |  |  |  |  |  | No | No | 3.3 | 1 | 1 | N/A | 2.1 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| xxxxxx8264 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | Yes | 6928 | 7000 | Appraisal - 1025 |  | N/A |  |  | 6928 | Actual In Place Rent | No | 62.49 | 0 | 0 | 4329.14 | 3464 | 03-XX-2026 | 12 | 3464 | 07-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 6928 |  |  |  |  |  |  | No | No | 2.2 | 4 | 1 | N/A | 70.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| xxxxxx6537 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | Yes | 8200 | 8200 | Appraisal - 1025 |  | N/A |  |  | 8200 | Actual In Place Rent | No | 82.42 | 0 | 0 | 6758.46 | 2850 | 08-XX-2025 | 12 | 3000 | 07-XX-2026 | 12 | 2350 | 12-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 8200 |  |  |  |  |  |  | No | No | 10.5 | 1 | 1 | N/A | 59.66 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| xxxxxx8251 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No | 105.02 | 0 | 0 | 2730.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18599.46 |  |  |  | 2600 |  |  |  |  |  |  | No | No | 3.1 | 1 | 1 | N/A | 42.23 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |  |
| xxxxxx7625 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  |  | Appraisal - 1007 | No |  |  | 0 | 2615.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12862 |  |  |  | 0 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 54.85 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx5751 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | Yes | 800 | 1700 | Appraisal - 1007 |  | N/A |  |  | 800 | Actual In Place Rent | No | 200.79 |  | 0 | 1606.33 | 800 | 09-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 800 |  |  |  |  |  |  | No | No | 5.6 | 1 | 1 | N/A | 37.64 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |  |
| xxxxxx6415 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | N/A | No | 0 |  | N/A |  | N/A |  |  |  | Actual In Place Rent | No |  |  | 0 | 11597.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | No | No | 19 | 1 | 1 | N/A | 28.16 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Owner |
| xxxxxx5513 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3800 | Appraisal - 1007 |  | N/A |  |  | 3800 | Appraisal - 1007 | No | 114.46 |  | 0 | 4349.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 0 | 3800 |  |  |  |  |  |  | No | No | 3.9 | 1 | 1 | N/A | 32.44 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx5524 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 2600 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Actual In Place Rent | No | 276.44 |  | 0 | 7187.56 | 2600 | 12-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 111180 |  |  |  | 2600 |  |  |  |  |  |  | No | No | 3.5 | 1 | 1 | N/A | 21.99 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx9203 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | N/A | Yes | 2754.4 |  | N/A |  |  |  |  | 2754.4 | Actual In Place Rent | No | 110.04 |  | 0 | 3031.02 | 2754.4 | 10-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45290 |  |  |  | 2754.4 |  |  |  |  |  |  | No | No | 3.4 | 1 | 1 | N/A | 24.43 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |  |
| xxxxxx7639 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 3250 |  | N/A |  | N/A |  |  | 3250 | Actual In Place Rent | No | 111.64 |  | 0 | 3628.42 | 3250 | 11-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 3250 |  |  |  |  |  |  | No | No | 4.4 | 1 | 1 | N/A | 22.92 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |  |
| xxxxxx3793 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | Actual In Place Rent | No |  |  | 0 | 3879.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  | No | No | 7.2 | 1 | 1 | N/A | 35.95 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |  |
| xxxxxx9377 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6400 | 5800 | Appraisal - 1025 |  | N/A |  |  | 5800 | Appraisal - 1025 | No | 73.79 | 1.355 | 1.355 | 4279.79 | 1600 | 04-XX-2026 | 12 | 1600 | 08-XX-2025 | 12 | 1600 | 08-XX-2025 | 12 | 1600 | 08-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5800 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 37.57 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx9443 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6950 | 5800 | Appraisal - 1025 |  | N/A |  |  | 5800 | Appraisal - 1025 | No | 99.84 | 1.002 | 1.002 | 5790.53 | 1675 | 02-XX-2026 | 12 | 1825 | 01-XX-2026 | 12 | 1850 | 04-XX-2026 | 12 | 1600 | 08-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5800 |  |  |  |  |  |  | No | No | 3.6 | 2 | 1 | N/A | 27.82 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx0061 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4600 | Appraisal - 1007 |  | N/A |  |  | 4600 | Appraisal - 1007 | No | 95.71 | 1.045 | 1.045 | 4402.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55200 |  |  |  | 4600 |  |  |  |  |  |  | No | No | 3.6 | 1 | 1 | N/A | 33.64 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx8986 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3550 | Appraisal - 1007 |  | N/A |  |  | 3550 | Appraisal - 1007 | No | 96.17 | 1.04 | 1.04 | 3413.95 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 107200 |  |  |  | 3550 |  |  |  |  |  |  | No | No | 5.3 | 1 | 1 | N/A | 33.93 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx1114 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 32000 | Appraisal - 1007 |  | N/A |  |  | 32000 | Appraisal - 1007 | No | 96.25 | 1.039 | 1.039 | 30798.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 300000 |  | 0 |  | 32000 |  |  |  |  |  |  | No | No | 1.9 | 1 | 1 | N/A | 4.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| xxxxxx1124 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 32000 | Appraisal - 1007 |  | N/A |  |  | 32000 | Appraisal - 1007 | No | 96.05 | 1.041 | 1.041 | 30737.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 300000 |  | 0 |  | 32000 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 4.14 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| xxxxxx8502 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 0 | N/A |  |  |  |  |  | N/A | No |  | 0 | 0 | 7690.06 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41100 |  | XXX |  | 0 |  |  |  |  |  |  | No | No | 0.8 | 2 | 1 | N/A | 212.39 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx1123 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 40000 | Appraisal - 1007 |  | N/A |  |  | 40000 | Appraisal - 1007 | No | 76.35 | 1.04 | 1.048 | 30540.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 350000 |  | 0 |  | 40000 |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 4.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| xxxxxx9096 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | Yes | 1910 | 1810 | Appraisal - 1007 |  |  |  |  | 1910 | Actual In Place Rent | No | 73.61 |  | 0 | 1406 | 1910 | 09-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24700 |  |  |  | 1910 |  |  |  |  |  |  | No | No | 12.2 | 1 | 1 | N/A | 27.06 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |  |
| xxxxxx6079 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  |  | 0 | 2938.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9622.86 |  |  |  | 0 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 41.58 | No | XXXX | Limited Liability Corporation (LLC) | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 | N/A | XXXX | Tenant |
| xxxxxx3823 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 9400 | Appraisal - 1025 |  |  |  |  | 9400 | Appraisal - 1025 | No | 94.63 | 1.057 | 1.057 | 8894.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 9400 |  |  |  |  |  |  | No | No | 18.4 | 1 | 1 | N/A | 16.08 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx1119 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 50000 | Appraisal - 1007 |  | N/A |  |  | 50000 | Appraisal - 1007 | No | 74.94 | 1.343 | 1.334 | 29976.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 190000 |  |  |  | 50000 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 4.55 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| xxxxxx1120 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 40000 | Appraisal - 1007 |  | N/A |  |  | 40000 | Appraisal - 1007 | No | 80.37 | 1.24 | 1.244 | 32149.11 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 300000 |  |  |  | 40000 |  |  |  |  |  |  | No | No | 2.1 | 1 | 1 | N/A | 4.15 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| xxxxxx4730 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 101.03 |  | 0 | 2222.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36900 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 3.04 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx8213 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 4300 | 6000 | Appraisal - 1007 |  | N/A |  |  | 4300 | Actual In Place Rent | No | 128.43 |  | 0 | 5522.36 | 4300 | 09-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 182200 |  |  |  | 4300 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 53.77 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx1116 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 32000 | Appraisal - 1007 |  | N/A |  |  | 32000 | Appraisal - 1007 | No | 98.07 | 1.019 | 1.02 | 31383.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 32000 |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 4.25 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| xxxxxx1168 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3100 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 94.61 | 1.057 | 1.057 | 2743.55 | 3100 | 10-XX-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56700 |  | 0 |  | 2900 |  |  |  |  |  |  | No | No | 6.2 | 1 | 1 | N/A | 30.74 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx8155 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6900 | 6900 | Appraisal - 1007 |  | N/A |  |  | 6900 | Appraisal - 1007 | No | 70.19 | 1.425 | 1.425 | 4842.87 | 6900 | 01-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 82800 |  |  |  | 6900 |  |  |  |  |  |  | No | No | 4 | 1 | 1 | N/A | 53.11 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx8676 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 5500 | 6000 | Appraisal - 1007 |  | N/A |  |  | 5500 | Actual In Place Rent | No | 160.91 |  | 0 | 8849.92 | 5500 | 05-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 92800 |  |  |  | 5500 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 8.76 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| xxxxxx0477 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | Actual In Place Rent | No |  |  | 0 | 5000.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42851 |  |  |  | 0 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 48.29 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx0472 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  |  | 0 | 3810.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 74000 |  | 0 | 0 | 0 |  |  |  |  |  |  | No | No | 2.3 | 2 | 1 | N/A | 19.87 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx8621 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 9100 | Appraisal - 1025 |  | N/A |  |  | 9100 | Appraisal - 1025 | No | 85.23 |  | 0 | 7755.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 77500 |  |  |  | 9100 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 29.7 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx9353 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 3700 | Appraisal - 1007 |  | N/A |  |  |  | Actual In Place Rent | No |  |  | 0 | 3964.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 0 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 24.88 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx0204 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 7000 | Appraisal - 1007 |  | N/A |  |  | 7000 | Appraisal - 1007 | No | 134.18 | 0 | 0 | 9392.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 112079 |  | 0 | 0 | 7000 |  |  |  |  |  |  | No | No | 2.5 | 1 | 1 | N/A | 32.06 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Vacant |
| xxxxxx3821 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4300 | 5400 | Appraisal - 1025 |  |  |  |  | 4300 | Actual In Place Rent | No | 58.16 | 1.719 | 1.719 | 2500.93 | 1100 | 10-XX-2025 | 1 | 1800 | 10-XX-2025 | 1 | 1400 | 10-XX-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4300 |  |  |  |  |  |  | No | No | 4.2 | 1 | 1 | N/A | 46.97 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| xxxxxx0898 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 32000 | Appraisal - 1007 |  |  |  |  | 32000 | Appraisal - 1007 | No | 61.32 | 0 | 0 | 19623.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 117420 |  | XXX |  | 32000 |  |  |  |  |  |  | No | No | 1 | 5 | 1 | N/A | 7.73 | No | XXXX | Corporation | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx0732 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 31500 | Appraisal - 1007 |  | N/A |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 23728.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 111300 |  |  | 0 | 0 |  |  |  |  |  |  | No | No | 1.6 | 5 | 1 | N/A | 32.84 | No | XXXX | Corporation | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx0738 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 32000 | Appraisal - 1007 |  | N/A |  |  | 32000 | Appraisal - 1007 | No | 77.92 | 0 | 0 | 24934.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 69000 |  | 0 | 0 | 32000 |  |  |  |  |  |  | No | No | 1.6 | 5 | 1 | N/A | 6.43 | No | XXXX | Corporation | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx0737 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 32000 | Appraisal - 1007 |  |  |  |  | 32000 | Appraisal - 1007 | No | 71.97 | 0 | 0 | 23029.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 137500 |  | XXX |  | 32000 |  |  |  |  |  |  | No | No | 0.9 | 5 | 1 | N/A | 15.3 | No | XXXX | Corporation | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx0641 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 31500 | Appraisal - 1007 |  |  |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 25389.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX |  | 0 |  |  |  |  |  |  | No | No | 1.3 | 1 | 1 | N/A | 18.61 | No | XXXX | Corporation | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx0734 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 32000 | Appraisal - 1007 |  | N/A |  |  | 32000 | Appraisal - 1007 | No | 67.46 | 0 | 0 | 21588.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 109180 |  | XXX |  | 32000 |  |  |  |  |  |  | No | No | 2.8 | 1 | 1 | N/A | 11.46 | No | XXXX | Corporation | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx9631 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 7725 | 7400 | Appraisal - 1025 |  | N/A |  |  | 7400 | Appraisal - 1025 | No | 60.25 | 1.659 | 1.66 | 4458.38 | 2125 | 06-XX-2026 | 12 | 2000 | 06-XX-2026 | 12 | 1900 | 10-XX-2025 | 12 | 1700 | 03-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 7400 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 81.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| xxxxxx1628 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5000 | 6100 | Appraisal - 1025 |  | N/A |  |  | 5000 | Actual In Place Rent | No | 62.57 | 1.598 | 1.598 | 3128.66 | 1900 | 06-XX-2026 | 12 | 1400 | 12-XX-2025 | 12 | 1700 | 02-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 71600 |  |  |  | 5000 |  |  |  |  |  |  | No | No | 9 | 1 | 1 | N/A | 37.51 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx9550 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 7995 | 8350 | Appraisal - 1025 |  |  |  |  | 7995 | Actual In Place Rent | No |  | 0 | 0 | 5320.24 | 1950 | 11-XX-2025 | 12 | 1885 | 05-XX-2026 | 12 | 2200 | 04-XX-2025 | 12 | 1960 | 07-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 7995 |  |  |  |  |  |  | No | No | 4.4 | 1 | 1 | N/A | 34.23 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx2272 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 2269.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 28.54 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Owner |
| xxxxxx1800 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 6000 | Appraisal - 1025 |  | N/A |  |  | 6000 | Appraisal - 1025 | No | 76.37 | 0 | 0 | 4581.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 6000 |  |  |  |  |  |  | No | No | 4.2 | 1 | 1 | N/A | 30.24 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx2302 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3090 | 3600 | Appraisal - 1025 |  |  |  |  | 3090 | Actual In Place Rent | No | 99.99 | 1 | 1 | 3089.6 | 1490 | 10-XX-2025 | 1 | 1600 | 05-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37080 |  | 0 |  | 3090 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 38.23 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx1014 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 2000 | Appraisal - 1025 |  | N/A |  |  | 2000 | Appraisal - 1025 | No | 68.89 | 0 | 0 | 1377.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2000 |  |  |  |  |  |  | No | No | 1.3 | 1 | 1 | N/A | 40.19 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx8904 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  | 0 | 0 | 4904.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  | No | No | 3.5 | 5 | 1 | N/A | 26.79 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |  |
| xxxxxx8887 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 10695 | 16900 | Appraisal - 1025 |  | N/A |  |  | 10695 | Actual In Place Rent | No | 71.65 | 0 | 0 | 7663.03 | 2650 | 11-XX-2025 | 1 | 1900 | 11-XX-2025 | 1 | 2995 | 11-XX-2025 | 1 | 3150 | 11-XX-2025 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 128340 |  |  |  | 10695 |  |  |  |  |  |  | No | No | 4.6 | 1 | 1 | N/A | 43.91 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx3196 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 6000 | 6000 | Appraisal - 1007 |  | N/A |  |  | 6000 | Actual In Place Rent | No | 289.64 |  | 0 | 17378.68 | 6000 | 02-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 79300 |  |  |  | 6000 |  |  |  |  |  |  | No | No | 4.1 | 1 | 1 | N/A | 6.68 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxx7052 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 3850 | 3850 | Appraisal - 1025 |  |  |  |  | 3850 | Appraisal - 1025 | No | 102.61 | 0.819 | 0 | 3950.63 | 2350 | 08-XX-2026 | 12 | 1500 | 07-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46200 |  | 0 | 0 | 3850 |  |  |  |  |  |  | No | No | 4.3 | 1 | 1 | N/A | 22.13 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx2034 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 130.73 |  | 0 | 2745.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25200 |  | 0 | 0 | 2100 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 29.94 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx1710 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No - Vacant | 0 | 4400 | Appraisal - 1007 |  | N/A |  |  | 4400 | Appraisal - 1007 | No | 99.56 |  | 0 | 4380.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 274000 |  |  |  | 4400 |  |  |  |  |  |  | No | No | 4.4 | 2 | 1 | N/A | 32.18 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |  |
| xxxxxx3199 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 6950 | 6000 | Appraisal - 1007 |  |  |  |  | 6000 | Appraisal - 1007 | No | 223 |  | 0 | 13380.22 | 6950 | 06-XX-2021 | 6950 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 200200 |  |  |  | 6000 |  |  |  |  |  |  | No | No | 3.7 | 1 | 1 | N/A | 6.85 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx9104 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  |  | 0 | 4308.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 0 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 54.95 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |  |
| xxxxxx2739 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 3200 |  | N/A |  | N/A |  |  | 3200 | Actual In Place Rent | No | 82.56 | 0 | 0 | 2642.03 | 3200 | 11-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23610 |  |  |  | 3200 |  |  |  |  |  |  | No | No | 18.4 | 1 | 1 | N/A | 56.3 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |  |
| xxxxxx4477 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4000 | Appraisal - 1007 |  | N/A |  |  | 4000 | Appraisal - 1007 | No | 141.59 |  | 0 | 5663.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  | XXX |  | 4000 |  |  |  |  |  |  | No | No | 3.4 | 1 | 1 | N/A | 54.89 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| xxxxxx9130 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 6000 | 6300 | Appraisal - 1007 |  | N/A |  |  | 6000 | Actual In Place Rent | No | 104.23 | 0 | 0 | 6253.73 | 6000 | 11-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 95400 |  |  |  | 6000 |  |  |  |  |  |  | No | No | 5.8 | 1 | 1 | N/A | 23.33 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx0538 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 1600 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Actual In Place Rent | No | 91.38 | 1.024 | 0 | 1562.05 | 1600 | 04-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26200 |  |  |  | 1600 |  |  |  |  |  |  | No | No | 3.2 | 3 | 1 | N/A | 39.06 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx4652 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 8500 | Appraisal - 1007 |  | N/A |  |  | 8500 | Appraisal - 1007 | No | 80.45 | 0 | 0 | 8549.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 70000 |  | 0 | 0 | 8500 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 35.07 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Owner |
| xxxxxx6775 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 5665 | 5570 | Appraisal - 1025 |  |  |  |  | 5570 | Appraisal - 1025 | No | 63.71 | 0 | 0 | 4036.7 | 1620 | 12-XX-2025 | 12 | 2520 | 12-XX-2025 | 12 | 1525 | 12-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 5570 |  |  |  |  |  |  | No | No | 99.7 | 1 | 1 | N/A | 52.36 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx4355 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 12686.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 95220 |  |  |  | 0 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 17.46 | No | XXXX | Corporation | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx4357 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 18600 | Appraisal - 1007 |  | N/A |  |  | 18600 | Appraisal - 1007 | No | 63.2 | 0 | 0 | 11755.89 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 80200 |  |  |  | 18600 |  |  |  |  |  |  | No | No | 4.3 | 14 | 1 | N/A | 32.04 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 1 |  | XXXX | Tenant |
| xxxxxx4349 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 30500 | Appraisal - 1007 |  | N/A |  |  | 30500 | Appraisal - 1007 | No | 94.46 | 0 | 0 | 28810.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 143400 |  |  |  | 30500 |  |  |  |  |  |  | No | No | 1.2 | 13 | 1 | N/A | 45.95 | No | XXXX | Corporation | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx6917 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | Yes | 2965 |  | N/A |  | N/A |  |  | 2965 | Actual In Place Rent | No | 59.15 |  | 0 | 1753.68 | 2965 | 12-XX-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 0 | 2965 |  |  |  |  |  |  | No | No | 3.3 | 1 | 1 | N/A | 28.08 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx9124 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Missing | Yes | 3400 |  | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 4633.76 | 3400 | 12-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33649 |  |  |  | 0 |  |  |  |  |  |  | No | No | 4.9 | 1 | 1 | N/A | 72.62 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |  |
| xxxxxx7228 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 4949.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48800 |  | 0 | 0 | 0 |  |  |  |  |  |  | No | No | 3.6 | 1 | 1 | N/A | 44.4 | No | XXXX |  | Individual | XXXX | XXXX | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |  |
| xxxxxx2818 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  |  | 0 | 6482.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 226800 |  |  |  | 0 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 43.98 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| xxxxxx7485 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3600 | Appraisal - 1025 |  |  |  |  | 3600 | Appraisal - 1025 | No | 186.39 |  | 0 | 6709.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48600 |  | 0 |  | 3600 |  |  |  |  |  |  | No | No | 12.2 | 1 | 1 | N/A | 197.08 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx7828 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3375 | Appraisal - 1007 |  |  |  |  | 3375 | Appraisal - 1007 | No | 90.24 |  | 0 | 3045.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 3375 |  |  |  |  |  |  | No | No | 8.6 | 1 | 1 | N/A | 49.74 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx9364 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2150 | 2175 | Appraisal - 1007 |  | N/A |  |  | 2150 | Actual In Place Rent | No | 99.99 | 1 | 1 | 2149.69 | 2150 | 03-XX-0206 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39344 |  |  |  | 2150 |  |  |  |  |  |  | No | No | 5.5 | 1 | 1 | N/A | 69.2 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx8503 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 2800 | 2044 | Appraisal - 1007 |  | N/A |  |  | 2044 | Appraisal - 1007 | No | 128.41 |  | 0 | 2624.73 | 2800 | 11-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22619 |  |  |  | 2044 |  |  |  |  |  |  | No | No | 11.3 | 1 | 1 | N/A | 40.58 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Owner |
| xxxxxx7411 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | Yes | 4700 | 6000 | Appraisal - 1007 |  | N/A |  |  | 4700 | Actual In Place Rent | No | 70.69 |  | 0 | 5822.51 | 4700 | 01-XX-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 140000 |  |  |  | 4700 |  |  |  |  |  |  | No | No | 4.3 | 1 | 1 | N/A | 12.17 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx6994 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 98.25 | 0 | 0 | 2750.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33600 |  |  |  | 2800 |  |  |  |  |  |  | No | No | 6.4 | 1 | 1 | N/A | 37.22 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx5876 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 2250 | 0 | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 3024.3 | 2250 | 02-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43910 |  |  |  | 0 |  |  |  |  |  |  | No | No | 4.1 | 1 | 1 | N/A | 29.67 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |  |
| xxxxxx5873 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 9999 | 10000 | Appraisal - 1007 |  | N/A |  |  | 9999 | Actual In Place Rent | No | 115.01 |  | 0 | 11499.53 | 9999 | 12-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 124100 |  |  |  | 9999 |  |  |  |  |  |  | No | No | 3.9 | 3 | 1 | N/A | 28.04 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |  |
| xxxxxx8701 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  |  | 0 | 2389.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 0 |  |  |  |  |  |  | No | No | 3.5 | 1 | 1 | N/A | 55.76 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |  | XXXX | Tenant |
| xxxxxx7789 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5500 | 5500 | Appraisal - 1007 |  | N/A |  |  | 5500 | Actual In Place Rent | No | 66.98 | 1.493 | 1.493 | 3683.96 | 5500 | 09-XX-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5500 |  |  |  |  |  |  | No | No | 5.5 | 1 | 1 | N/A | 51.95 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx9535 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | Yes | 3100 | 3500 | Appraisal - 1007 |  |  |  |  | 3500 | Appraisal - 1007 | No | 100.75 | 0 | 0 | 3526.1 | 3100 | 12-XX-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3500 |  |  |  |  |  |  | No | No | 7 | 1 | 1 | N/A | 41.43 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| xxxxxx9300 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3500 | Appraisal - 1007 |  |  |  |  | 3500 | Appraisal - 1007 | No | 82.92 |  | 0 | 2902.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 3500 |  |  |  |  |  |  | No | No | 3.6 | 1 | 1 | N/A | 42.35 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |  | XXXX | Tenant |
| xxxxxx9392 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  | N/A |  |  |  | Actual In Place Rent | No |  |  | 0 | 5506.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 77320 |  |  |  | 0 |  |  |  |  |  |  | No | No | 4.3 | 1 | 1 | N/A | 44.74 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx6691 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  |  | 0 | 6633.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 241000 |  |  |  | 0 |  |  |  |  |  |  | No | No | 11.8 | 1 | 1 | N/A | 70.65 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx8740 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6259 | 3600 | Appraisal - 1007 |  | N/A |  |  | 3600 | Appraisal - 1007 | No | 81.26 | 0.91 | 0.904 | 3980.63 | 6259 | 12-XX-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 98000 |  |  |  | 3600 |  |  |  |  |  |  | No | No | 4.2 | 1 | 1 | N/A | 24.39 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx3911 | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 5300 |  | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 6975.35 | 1200 | 01-XX-2026 | 1 | 2700 | 01-XX-2026 | 1 | 1400 | 01-XX-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 102000 |  |  |  | 0 |  |  |  |  |  |  | No | No | 4.2 | 1 | 1 | N/A | 38.05 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx0826 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5000 | Appraisal - 1025 |  | N/A |  |  | 5000 | Appraisal - 1025 | No | 67.16 |  | 1.489 | 3358.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31317 |  |  |  | 5000 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 41.2 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx1622 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 3000 | 2800 | Appraisal - 1025 |  | N/A |  |  | 2800 | Appraisal - 1025 | No | 108.14 |  | 0 | 3027.8 | 3000 | 07-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  |  |  | 2800 |  |  |  |  |  |  | No | No | 7.5 | 1 | 1 | N/A | 24.49 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx0669 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 5000 | Appraisal - 1025 |  | N/A |  |  | 5000 | Appraisal - 1025 | No | 95.5 | 1.047 | 1.047 | 4775.18 | 0 | 01-XX-2026 | 1 | 2500 | 11-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41400 |  | XXX |  | 5000 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 15.33 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx9946 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5640 | 5900 | Appraisal - 1025 |  | N/A |  |  | 5640 | Actual In Place Rent | No | 112.63 | 1.032 | 1.039 | 5427.71 | 2950 | 01-XX-2026 | 1 | 2690 | 01-XX-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5640 |  |  |  |  |  |  | No | No | 7.3 | 1 | 1 | N/A | 29.63 | No | XXXX |  | Individual | XXXX | XXXX | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx8118 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No |  |  | 0 | 2867.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15600 |  |  |  | 2600 |  |  |  |  |  |  | No | No | 5.6 | 1 | 1 | N/A | 54.77 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx9491 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3800 | 3800 | Appraisal - 1007 |  |  |  |  | 3800 | Actual In Place Rent | No | 93.18 | 1.009 | 1.073 | 3540.69 | 3800 | 07-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 288000 |  | XXX |  | 3800 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 34.43 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx8231 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 11109.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 90000 |  |  |  | 0 |  |  |  |  |  |  | No | No | 3.9 | 1 | 1 | N/A | 12.57 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |  |
| xxxxxx2497 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2585 | 2800 | Appraisal - 1025 |  |  |  |  | 2585 | Actual In Place Rent | No | 93.8 | 1.066 | 1.066 | 2424.79 | 1200 | 11-XX-2026 | 12 | 1385 | 07-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46110 |  |  |  | 2585 |  |  |  |  |  |  | No | No | 4.1 | 1 | 1 | N/A | 46.73 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx2490 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2745 | 2800 | Appraisal - 1025 |  | N/A |  |  | 2745 | Actual In Place Rent | No | 87.48 | 1.143 | 1.143 | 2401.38 | 1395 | 01-XX-2026 | 12 | 1350 | 01-XX-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46110 |  |  |  | 2745 |  |  |  |  |  |  | No | No | 2004.1 | 1 | 1 | N/A | 46.69 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx9142 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 3300 |  | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 5041.51 | 3300 | 12-XX-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 213800 |  |  |  | 0 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 39.77 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |  |
| xxxxxx9560 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 4800 | Appraisal - 1007 |  | N/A |  |  | 4800 | Appraisal - 1007 | No | 163.18 |  | 0 | 7832.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47500 |  |  |  | 4800 |  |  |  |  |  |  | No | No | 5.2 | 1 | 1 | N/A | 62.26 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx8315 | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | Yes | 1775 |  | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 2186.25 | 1775 | 05-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21060 |  |  |  | 0 |  |  |  |  |  |  | No | No | 11.5 | 1 | 1 | N/A | 53.31 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx9890 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | Yes | 3350 | 3150 | Appraisal - 1007 |  | N/A |  |  | 3350 | Actual In Place Rent | No | 146.21 | 0 | 0 | 4898.08 | 3350 | 09-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38000 |  | 0 |  | 3350 |  |  |  |  |  |  | No | No | 9.8 | 1 | 1 | N/A | 37.73 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx1893 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 5000 | Appraisal - 1007 |  | N/A |  |  | 5000 | Appraisal - 1007 | No | 92.73 |  | 0 | 4636.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 85400 |  |  |  | 5000 |  |  |  |  |  |  | No | No | 5.4 | 1 | 1 | N/A | 35.67 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |  |
| xxxxxx9899 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 7600 | Appraisal - 1025 |  | N/A |  |  | 7600 | Appraisal - 1025 | No | 56 | 0 | 0 | 4256.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 72000 |  |  |  | 7600 |  |  |  |  |  |  | No | No | 26.2 | 1 | 1 | N/A | 32.72 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx9833 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No - Vacant | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 154.97 |  | 0 | 5423.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6000 |  |  |  | 3500 |  |  |  |  |  |  | No | No | 3.4 | 1 | 1 | N/A | 21.82 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| xxxxxx2108 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 2550 | 3800 | Appraisal - 1007 |  | N/A |  |  | 2550 | Actual In Place Rent | No | 160.52 |  | 0 | 4093.26 | 2550 | 02-XX-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2550 |  |  |  |  |  |  | No | No | 5.9 | 1 | 1 | N/A | 58.23 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx2978 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 12900 | 12500 | Appraisal - 1025 |  | N/A |  |  | 12500 | Appraisal - 1025 | No | 61.01 |  | 0 | 7626.17 | 6500 | 03-XX-2026 | 12 | 6400 | 05-XX-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60400 |  | XXX |  | 12500 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 18.44 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx2315 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 7800 | 8000 | Appraisal - 1007 |  | N/A |  |  | 7800 | Actual In Place Rent | No | 80.29 | 1.24 | 1.245 | 6262.63 | 7800 |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 121800 |  |  |  | 7800 |  |  |  |  |  |  | No | No | 18.4 | 1 | 1 | N/A | 29.09 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx6351 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2500 | Appraisal - 1007 |  |  |  |  | 2500 | Appraisal - 1007 | No | 132.57 |  | 0 | 2395.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20808 |  |  |  | 2500 |  |  |  |  |  |  | No | No | 6.8 | 1 | 1 | N/A | 42.68 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Owner |
| xxxxxx9882 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | Yes | 13000 | 14000 | Appraisal - 1007 |  |  |  |  | 13000 | Actual In Place Rent | No | 137.74 | 0 | 0 | 17906.61 | 13000 | 07-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 509200 |  | XXX |  | 13000 |  |  |  |  |  |  | No | No | 5.2 | 1 | 1 | N/A | 70.33 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx4620 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2585 | 2800 | Appraisal - 1025 |  | N/A |  |  | 2585 | Actual In Place Rent | No | 94.15 | 1.032 | 1.062 | 2433.83 | 1200 | 11-XX-2026 | 12 | 1385 | 07-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46110 |  |  |  | 2585 |  |  |  |  |  |  | No | No | 4.2 | 1 | 1 | N/A | 46.79 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx9727 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | Yes | 2800 | 3200 | Appraisal - 1025 |  | N/A |  |  | 2800 | Actual In Place Rent | No | 109.66 |  | 0 | 3070.41 | 1600 | 03-XX-2026 | 1 | 1200 | 03-XX-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 57600 |  | 0 | 0 | 2800 |  |  |  |  |  |  | No | No | 4.3 | 1 | 1 | N/A | 30.18 | No | XXXX | Limited Liability Corporation (LLC) | Individual | XXXX | XXXX | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx8201 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4275 | 3900 | Appraisal - 1025 |  | N/A |  |  | 3900 | Appraisal - 1025 | No | 88.69 | 1.127 | 1.127 | 3459.1 | 1550 | 05-XX-2026 | 12 | 1450 | 02-XX-2026 | 1 | 1275 | 02-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3900 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 47.77 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx4527 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3400 | 3850 | Appraisal - 1007 |  | N/A |  |  | 3400 | Actual In Place Rent | No | 99.58 | 1.005 | 1.004 | 3385.72 | 2300 | 12-XX-2026 | 12 | 1100 | 12-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47100 |  |  |  | 3400 |  |  |  |  |  |  | No | No | 7.3 | 1 | 1 | N/A | 51.56 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx2460 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 4750 | Appraisal - 1007 |  | N/A |  |  | 4750 | Appraisal - 1007 | No | 98.1 | 1.014 | 1.019 | 4659.89 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54300 |  |  |  | 4750 |  |  |  |  |  |  | No | No | 4.6 | 1 | 1 | N/A | 31.9 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx0645 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 32000 | 4500 | Appraisal - 1025 |  | N/A |  |  | 4500 | Appraisal - 1025 | No | 90.22 | 1.111 | 1.108 | 4059.87 | 30000 | 02-XX-2026 | 12 | 2000 | 01-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX |  | 4500 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 17.13 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx1050 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No - Vacant | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 2928.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  | 0 |  |  |  |  |  |  | No | No | 13.4 | 1 | 1 | N/A | 75.54 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |  |
| xxxxxx0787 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5599 | 6364 | Appraisal - 1025 |  | N/A |  |  | 6364 | Appraisal - 1025 | No | 73.4 | 1.362 | 1.362 | 4671.21 | 0 | 02-XX-2026 | 1 | 1786 | 02-XX-2026 | 1 | 1650 | 03-XX-2026 | 12 | 2163 | 06-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 102700 |  |  |  | 6364 |  |  |  |  |  |  | No | No | 5.5 | 1 | 1 | N/A | 44.02 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx4180 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4350 | 3800 | Appraisal - 1007 |  |  |  |  | 4350 | Actual In Place Rent | No | 98.9 | 1.011 | 1.011 | 4302.2 | 4350 | 02-XX-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9580 |  |  |  | 4350 |  |  |  |  |  |  | No | No | 13.2 | 1 | 1 | N/A | 47.81 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx4539 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 9000 | 9000 | Appraisal - 1025 |  |  |  |  | 9000 | Appraisal - 1025 | No | 78.46 | 1.275 | 1.275 | 7061.49 | 3700 | 07-XX-2026 | 12 | 2000 | 07-XX-2026 | 12 | 3300 | 05-XX-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 9000 |  |  |  |  |  |  | No | No | 22.1 | 1 | 1 | N/A | 26.36 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx5800 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4500 | 6000 | Appraisal - 1007 |  | N/A |  |  | 4500 | Actual In Place Rent | No | 90.67 | 1.096 | 1.103 | 4080.3 | 4500 | 02-XX-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 357000 |  |  |  | 4500 |  |  |  |  |  |  | No | No | 6.6 | 1 | 1 | N/A | 34.75 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx5120 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4500 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Actual In Place Rent | No | 94.24 | 1 | 1.061 | 4240.83 | 4500 | 02-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 163500 |  |  |  | 4500 |  |  |  |  |  |  | No | No | 9.4 | 1 | 1 | N/A | 39.87 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx3040 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2700 | Appraisal - 1007 |  |  |  |  | 2800 | Actual In Place Rent | No | 99.97 | 1 | 1 | 2799.1 | 2800 | 05-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32400 |  |  |  | 2800 |  |  |  |  |  |  | No | No | 4 | 1 | 1 | N/A | 31.48 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxx3814 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 3800 | 3800 | Appraisal - 1007 |  |  |  |  | 3800 | Appraisal - 1007 | No | 101.39 |  | 0 | 3852.67 | 3800 | 02-XX-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 262000 |  | 0 |  | 3800 |  |  |  |  |  |  | No | No | 4.1 | 1 | 1 | N/A | 18.21 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx5713 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6000 | 4250 | Appraisal - 1007 |  | N/A |  |  | 4250 | Appraisal - 1007 | No | 85.66 | 1.176 | 1.167 | 3640.68 | 6000 | 02-XX-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48000 |  |  |  | 4250 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 30.48 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX | Tenant |
| xxxxxx3637 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No - Vacant | 2800 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 101.54 |  | 0 | 2843.14 | 2800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33600 |  | XXX |  | 2800 |  |  |  |  |  |  | No | No | 4.2 | 1 | 1 | N/A | 6.19 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |
| xxxxxx8085 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 8000 | 7400 | Appraisal - 1025 |  |  |  |  | 8000 | Actual In Place Rent | No | 86.02 | 1.059 | 1.163 | 6881.42 | 8000 | 12-XX-2026 | 12 | 0 | 12-XX-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 72200 |  |  |  | 8000 |  |  |  |  |  |  | No | No | 4.5 | 1 | 1 | N/A | 22.26 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX | Tenant |

---

## Exhibit 99.20

**Exhibit 99.20**

![](ex99-20_001.jpg)

**DRMT 2026-CES1** 

**Due Diligence Review**

**Narrative Summary**

**April 14, 2026**

**Prepared by**

**Mission Global, LLC**

For

**Pretium Residential Credit Management, LLC**

This report summarizes the results of a due diligence review performed on a pool of one (1) loan. The loan was originally reviewed on behalf of provided by A&D Mortgage LLC ("A&D"). The loan was subsequently sold to Pretium Residential Credit Management, LLC (the "Client"). A&D provided Mission Global, LLC ("Mission") with a data tape, from which 100% of the loan sample was selected. The loan data was entered into and analyzed using the ***Mission Global Grade<sup>®</sup>*** Underwriting and Diligence grading solution. Mission performed a detailed credit re-underwrite and regulatory compliance review of 100% loans.

Mission Global is a technology-forward service provider built on a culture of deep client service. Mission is a rating agency approved Third Party Review firm delivering underwriting and compliance audits for residential and business purpose loans. Since 1994, Mission Global and its predecessor company, Global Financial Review have provided comprehensive loan due diligence, re-underwriting, and asset management services to clients in the financial services industry. In 2015, Global Financial Review merged with the leading Secondary market consulting firm Mission Capital Advisors, LLC to form Mission Global, LLC. In 2020, Mission Capital Advisors, LLC and Mission Global, LLC were acquired by the leading real estate sales, financing and advisory service firm and now a wholly-owned subsidiary of Marcus & Millichap (NYSE:MMI).

Mission performed a full credit re-underwrite, regulatory compliance, valuation and data integrity review to meet the criteria as published by the Nationally Recognized Statistical Rating Organizations. This deal is to be rated in accordance with the published criteria of Morningstar, Inc. - MDBRS. Mission performed the reviews over a period of time ranging from January 1, 2025 to February 28, 2025.

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The pool includes one Non-Qualified Mortgage (NQM) residential investment mortgage loan secured in a second lien position. The loan is all secured by residential single family property as collateral.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.** **File RE-Underwrite Credit Review** 

A full re-underwriting credit review was conducted to verify that the requisite underwriting guidelines as specified by Client were met. Confirmation of the loan terms was conducted through recalculation and review of documentation contained in the loan files and documents provided to Mission.

The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.2** **Guidelines and Overlays** 

For all loans underwritten to A&D Guidelines, there are two unique set of guidelines, those specific to first lien and a separate set applicable to second liens. Mission reviewed each mortgage loan to ensure it met the requisite guideline requirements as specified by the Client guidelines. In lieu of specific requirements, Mission also considered Regulation Z requirements including Appendix Q or Consider and Verify rules where applicable.

In addition to the guidelines there is one unique overlay for each type of loan program reviewed:

DSCR Rate – 2<sup>nd</sup> Lien

These combined guidelines and their overlays provided additional specific qualification requirements and program specific metric such as min and max loan amounts, cash out refinance limits, ranges of values for acceptance, geographic eligibility, escrow requirements, note, rate and term specific details, qualifying property types, residency requirements, limits on seller and third-party contributions, valuation and title requirements The guidelines and overlays also specified borrower requirements such as credit tradeline and credit event requirements, income and asset qualifications, and citizenship requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.2** **Employment and Income** 

The loan was an investment purpose loan and used the DSCR method to calculate income where rental property income and debt service coverage ratio was both estimated or stated, and/or verified through leases and rent rolls. Mission verified the file documentation for minimum required level of employment and income verifications in accordance with Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.3** **Income** 

Mission recalculates borrower(s) monthly gross income and verified calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines. The Underwriter used the lower of income stated on 1003 Application or stated/verified income. In all cases, Mission verified stated/verified income in accordance with Client provided underwriting guidelines.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.4** **Assets** 

Mission confirmed the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity. Mission verified the file documentation for minimum required level of asset verification in accordance with Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.5** **Debt-to-Income Ratio** 

On all primary or secondary residential loans, Mission recalculated and verified the debt-to-income ratio used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and requirements. On investment loans if full property debt and income was available Mission calculated a property income-based DTI verification.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.6** **Debt Service Coverage Ratio** 

On all investment related loans that were qualified under the DSCR Rate program, Mission recalculated and verified the Debt Service Coverage Ratio used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and requirements. Rental income used in the calculation for each loan was either verified from an in-place lease and verification of payment or based upon projected market rents taken from the 1007 in the subject property appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.7** **Property Valuation** 

Mission analyzed all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Mission verified the valuation waterfall in each case to determine if based upon UCDP CU credit scores whether a Desk review or a second appraisal was required and to verify all valuation documentation met the requirements of Client provided underwriting guidelines. Where loans are seasoned beyond 24 months since origination an updated valuation is used to determine value is supported.

In all cases where the collateral is residential based, the primary values were supported by secondary valuation tools including either an AVM, BPO, 2<sup>nd</sup> Appraisal, Appraisal Desk Review or a secondary Drive-By appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.8** **Loan-to-Value Ratio** 

Mission recalculated and verified the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and met Client provided underwriting guideline and regulatory requirements.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.9** **Credit History** 

Mission reviewed the initial credit reports used at origination and captured updated gap report values to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.10** **Credit Scores** 

Mission captured FICO scores from credit reports used at origination and any updated gap report values to validate that borrower(s) met minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.11** **Compensating Factors** 

Mission reviewed all provided guideline exceptions and verified exceptions to the Client provided underwriting guidelines were documented and that compensating factors were reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.12** **First-time Homebuyers** 

A&D Guidelines do vary slightly as to their definition versus ASF definition. A&D considers all type of real estate owned by a borrower in its consideration for first-time homebuyers' designation including investment property, whereas ASF definition calls for a borrower to be considered first-time homebuyer only when they have never owned residential property only. Mission does not consider this a significant difference and follows A&D guidelines when reporting first-time homebuyer status.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Document Review** 

Mission's review each loan file confirmed the presence of material documentation as applicable to the specifics of the loan transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.1** **Title Commitment and Policy** 

Mission verified the presence of at a minimum the initial title commitment or final title policy. Mission confirmed the vested parties and the description of the property, liens and tax assessments. Given the recent origination of many of the loans contained only an initial title commitment. Comments on loans where the final title policy was still pending were noted in the resolution of each loan in the grading findings.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.2** **Mortgage Note & Security Instrument** 

Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement were present and duly executed. Mission confirmed that Mortgage note was either fixed or adjustable according to requirements of the Client provided underwriting guidelines and captured relevant Note data specific to each loan.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.3** **Mortgage & Deed of Trust** 

Mission verified the presence of a copy Mortgage or Deed of Trust and confirmed that the documents were executed by all required parties and that all riders, addendums and exhibits as required exist in the loan file. Mission also verified that the Mortgage was recorded or sent for recording. Given the recent origination of many of the loans contained only an executed Mortgage not a recorded document. Comments on loans where recorded Mortgage was still pending were noted in the resolution of each loan in the grading findings.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.4** **Income Documentation** 

Mission verified the presence of income and employment related documentation as required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.5** **Asset Documentation** 

Mission verified the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.6** **Proof of Insurance** 

Mission verified the presence of insurance policies and certificates for mortgage, hazard and flood insurance on each loan depending upon the specifics of the loan. Mission confirmed that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.** **Regulatory Compliance** 

For each primary or secondary home mortgage loan file Mission conducted a post-closing regulatory compliance review to verify that each loan was originated in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan. Mission further validated that the loans met the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending, as was applicable depending upon the specifics of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2.1** **Federal Truth in Lending Act/Regulation Z** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 *I* §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3 day rescission period was adequately provided to the borrower(s).

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.2** **Business Days as Defined by Regulation Z** 

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3** **Home Ownership Equity Protection Act (HOEPA) testing, to include:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3.1** APR
 test [HOEPA (§1026.32(a)(l))] and [HPML(§1026.35(a)(l))]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3.2** Points
 and Fees test [HOEPA (§1026.32(a)(2))]

Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3.3** Review
 and confirm documentation type (i.e. full, stated, no ratio)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3.4** Review
 for evidence of prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3.5** Verification
 of Debt-to-Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Mission system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement that was verified for all covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.** **RESPA/Regulation X** 

Each investment purpose loan was reviewed by Mission to ensure compliance with the most current amendments to Regulation X. The RESPA/Regulation X review consisted of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.1** **Good Faith Estimate (GFE)** 

Mission confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan including confirming the presence of the current GFE form in effect at the time of origination and verification the GFE was provided to the borrower(s) within three days of "Application".

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2** **Application Date** 

Application was defined by Regulation X and generally considered complete when the creditor collected information regarding the following:

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|:---|:---|
| ▪ | Borrower(s) First and Last Name |
| ▪ | Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report) |
| Subject Property Address |  |
| ▪ | Mortgage Loan Amount Sought |
| ▪ | Estimation of Property Value |
| ▪ | Monthly Income |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.3** **Broker Fees and Yield Spread** 

Mission verified that all Broker fees, including Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.4** **GFE Fees** 

Fees were reviewed to ensure they are reasonable and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.5** **Change of Circumstance (COC)** 

Mission reviewed all available documentation to determine whether a Change of Circumstance (COC) form was required to accompany each revised Good Faith Estimate (GFE).

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.6** **Change of Circumstance Definition:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.1** Acts
 of God, war, disaster or other emergencies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.2** Information
 in particular to borrower or transaction that was relied on in providing the GFE and that
 changes or is found to be inaccurate after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.3** New
 information particular to the borrower or transaction that was not relied on in providing
 the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.4** Other
 circumstances that are particular to borrower or transaction, including boundary disputes,
 need for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.5** In
 the event any of the above occurs, the loan originator is required to provide a new revised
 GFE to the borrower within three business days of receiving information sufficient to establish
 "changed circumstances" and document the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.6** Rate
 Locks: If the rate has not been locked by the borrower or a locked rate has expired, the
 charge or credit for rate chosen, adjusted origination charges, per diem interest and loan
 terms related to the rate may change. If borrower later locks the rate, a new GFE must be
 provided showing the revised rate-dependent charges and terms. All other charges and terms
 must remain the same as on the original GFE, except as otherwise provided above for "changed
 circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.7** **Final HUD-1** 

Mission confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan including the presence of the current applicable Final HUD-1 form and that the Final HUD-1 accurately lists all broker and YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.8** **Good Faith Estimate (GFE) and Final HUD-1 Analysis** 

Mission confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan.

This analysis included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.7** Analysis
 of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s)
 on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Origination
 Charge

▪ Credit
 or Charge for Interest Rate Chosen

▪ Adjusted
 Origination Charge

▪ Transfer
 Taxes

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.8** Analysis
 of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s)
 on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement
 for sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lender-required
 settlement services (lender selects third-party provider);

▪ Lender-required
 services, title services and required title insurance, and owner's title insurance, when the borrower uses a settlement service provider
 identified by the loan originator; and

▪ Government recording charges.
 Analysis to confirm all fees are accurately reflected in the correct tolerance category on the Good Faith Estimate (GFE) and Final

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.9** Analysis
 to confirm lender accurately provided borrower adequate restitution in the event of tolerance
 violations and timelines for restitution/document correction were adhered to.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.10** Analysis
 to confirm loan terms are accurately disclosed between the Good Faith Estimate(GFE) and Final

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2.11** Analysis
 to confirm page 3 of the HUD-1 accurately reflects fees disclosed on the Good Faith Estimate
 (GFE) and Final HUD-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.** **QM/ATR (Qualified Mortgage and Ability to Repay) Dodd Frank Review (Loans with Application Date on or after 01/10/2014)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.1** **Ability-to-Repay:** 

The loan was underwritten as a business purpose and therefore exempt from testing.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.2** **Verification of ATR.** 

The loan was underwritten as a business purpose and therefore exempt from testing.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.3** **Qualified Mortgage.** 

Not applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.4** **QM DTI/APOR Testing.** 

Not applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.5** **HPML Testing- QM APR.** 

Not applicable.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.6** **Escrow Requirement – High Price Mortgage Loans (HPML)** 

Not applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.** **TILA/RESPA Integrated Disclosures** 

Mission used following criteria was used in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.2** **Application Date** 

The Application Date is October 3, 2015, or later (the earlier of the date the broker or lender received the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.3** **Purpose and Property Type** 

For those loans where the Purpose and Property Type included a closed-end mortgage secured by real estate and primary purpose was to occupy or hold as a second home (Purchase or Refinance).

The loan Purpose and Property Type does not include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Home
 Equity Lines of Credit

▪ Reverse
 mortgages

▪ Dwellings
 that are not attached to real property

▪ Mobile
 homes, where the consumer does not own the land

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.4** **TILA Exemption** 

Mission applied the standard exemptions from TILA, i.e., business purposes loans, loans for agricultural purposes and loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.5** **TRID Loan Estimate ("LE")** 

Mission verified of compliance with timing requirements as to whether the Initial LE was delivered within three (3) business days from the Application Date. The Initial LE shall use the delivery date to calculate the earliest closing Consummation Date (no less than seven (7) business days from the delivery of the Initial LE). The delivery date is the date the creditor hand delivers the disclosures or places the disclosures in the mail, 1026.19(e)(l).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.6** **Revised LE's** 

Mission verified any revision to the Initial LE and validated that the Revised LE was provided within three (3) days of COC, BRC or interest rate lock. Mission validated as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
 Circumstance affecting settlement charges

▪ Change
 Circumstance affecting eligibility

▪ Revisions
 requested by the consumer

▪ Interest
 rate dependent charges

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Expiration
 of the LE and

▪ Delayed
 settlement date on a construction loan

▪ Timing Requirement for LE seven
 days prior to consummation

Mission also validated that settlement charges good through date, time and time zone were properly disclosed with minimum of ten (10) days during which borrower is permitted to shop knowing fees are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.7** **Determination of Final LE** 

Mission analyzed each LE in file to determine final Binding LE. If there is a change in loan terms, change in interest rate or increase in charges subject to variances without valid reason for a Revised LE as set forth above, findings were cited. If the Revised LE was issued without a valid reason, the previous valid LE was considered the Binding LE for the purposes of comparison with the Closing Disclosure. Mission verified compliance with timing requirements to ensure there were no loan estimates provided to the borrower after a Closing Disclosure had been delivered, and whether the Final LE was provided at least four (4) business days prior to the closing Consummation Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.8** **LE Confirmation of Receipt** 

If the LE did not contain a signature line for the consumer's confirmation of receipt, then Mission verified electronic delivery of documents provided to borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9** **Closing Disclosures** 

Mission analyzed each Closing Disclosure in the file all sections of Closing Disclosures were completed (no blanks, ''NA's" or incomplete sections) and the Disclosure is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.1** Mission
 verified that the correct form is used and General loan information and loan terms sections
 were completed, and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.2** Verified
 the loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.3** Verified
 all applicants applying for credit, as disclosed on the application, are listed on the CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.4** Verified
 critical section such as "Can this amount increase after closing?" and "Does
 the loan have these features" sections are completed and are accurate based on the terms
 disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.5** If
 rate was locked, Mission verified lock expiration date, time and time zone was disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.6** Validated
 projected Payments and Estimated Taxes, Insurance & Assessments sections were complete
 and accurate based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.7** Verified
 the Closing Costs and Cash-to-Close sections were complete and accurate based on the information
 provided on page 2 of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.8** Verified
 fees disclosed properly (alphabetical order within Section with certain exceptions, and all
 title fees start with "Title - ") were accurate in the Closing Cost Details
section.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.9** Validated
 when Interest Only Payments, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable
 Payment ("AP") Table were disclosed and accurate based on early disclosures in
 the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.10** Validated
 when ARM or Step Rate, that Adjustable Interest Rate ("AIR") Table was properly
 disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.11** Verified
 the Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.12** Validated
 that all Rounding rules were verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9.13** Validated
 the Other Considerations Section was complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.10** **Written List of Providers** 

Mission verified that if the lender placed fees in the Services You Can Shop For category, that the file properly contained a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must have included at least one available provider for each service and state the consumer may choose a different provider for that service. If a WLSP was not provided, the fees will be treated as a 10% Tolerance fee and a finding for missing service provider list will be noted. If a WLSP is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee and a finding for a service provider list being provided outside of three (3) days from application will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11** **Variance Testing** 

Mission deploys in its testing one or the other of the following Variance Categories in performing variance tests:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.1** **Zero Tolerance Variance** - A finding will be cited if any
 charges increase from the Binding LE to the Final CD without COC or BRC.

Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fees
 paid to the lender, broker or an affiliate of either lender or broker [except fees paid to an affiliate of the lender for services
 NOT required by the creditor are not subject to tolerance/variance per CFR 1026.19(e)(3)(iii)(E)];

▪ Fees
 paid to an unaffiliated third party if the lender did not permit the borrower to shop for servicer; and

▪ Transfer
 taxes.

▪ Lender
 Credits

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.2** **10% Tolerance Variance** - A finding will be cited if the
 aggregate of the charges increased by more than 10% from the Binding LE to the Final CD without
 COC or BRC. If a fee/service is listed on the LE but not charged/reflected on the Final CD,
 the fee will be removed and not considered in calculating the 10% variance threshold pursuant
 to CFR 19(e)(3)(ii)-5.

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Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Recording
 fees; and

▪ Charges
 for third party services not paid to creditor or affiliate AND borrower permitted to shop for service but selects a provider on the
 creditor's Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.3** Prepaid
 mortgage insurance will be treated as a 10% tolerance fee if it can be shopped for (and not
 identified as an affiliate), otherwise it will be treated as a Zero Tolerance fee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.4** No
 Tolerance/Unlimited - No finding will be cited if any of the charges change from the Binding
 LE to the Final CD, provided that the disclosed amount on the LE is based on information
 reasonably known to the creditor at the time of disclosure (disclosed in good faith), such
 as:

● Prepaid interest;

● Property insurance premiums;

● Impounds/Escrows;

● Charges for services required by the creditor but the borrower is permitted to shop for and borrower selects a third party provider not on the lender's Written Service Provider List; and

● Charges for third party services not required by the creditor (even if paid to an affiliate of the creditor).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.5** Prepaid
 property taxes charged by local and state governments periodically will have no tolerance
 under the general 'best information reasonably available' standard unless otherwise instructed
 by the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.6** As
 noted above, Mission reviewed the loan file for evidence the disclosure was not made in "Good
 Faith". "Good faith" means the creditor made the estimate based on the information
 reasonably available to them at the time the LE was provided. Absent such evidence, Mission
 will consider the disclosures made in "good faith".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.7** Additionally,
 if a documented valid COC or BRC occurred resulting in a change to loan terms, settlement
 charges or interest rate within four (4) business days of consummation, the variance test
 will be performed based on the revised amounts disclosed on the initial CD (or subsequent
 CD if change occurs after the initial CD has been provided) provided that the change is related
 to the COC or BRC per Comment 19(e)(4)(ii)-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.8** For
 loans with no Interim LE and no COC or BRC occurring four (4) days prior to consummation,
 fees and charges on the CD were tested for compliance with permitted variances against fees
 disclosed on Initial LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.9** For
 loans with an Interim LE, the review of each Interim LE and fees and charges on the CD were
 tested for compliance with variance thresholds against fees supported by a valid COC or BRC
 related to the charge that increases.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11.10** In
 those cases where an Interim LE was issued with several fee increases, but only some are
 supported by or related to a valid COC or BRC, those fees which are not supported by or related
 to a valid COC, BRC or disclosed on an LE that was not provided timely (within three (3)
 business days of changed circumstance) were tested for variance using the amounts disclosed
 in the Initial LE previously valid LE.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12** **TRID Review - Closing Disclosures ("CD")** 

Mission conducted a full Closing Disclosure review and verified the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.1** That
 the correct form was used and all sections of the CD were completed (no blanks or incomplete
 sections).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.2** Acknowledgement
 of receipt, either by signature or evidence of electronic delivery by all borrowers with
 a right to rescind under 1026.23 by verifying that each borrower with a right to rescind
 was provided with a copy of the CD. This could include the non-borrowing spouse. Acknowledgement
 is based on either signature, evidence of electronic delivery or by apply the common mail
 rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.3** If
 a subsequent CD was issued with changes to (a) the loan product which affects disclosed terms
 and loan information; (b) the addition of a prepayment penalty; or (c) an APR which exceeds
 the previously disclosed APR by more than the permitted tolerances for accuracy, Mission
 validated that the borrower was given an additional three (3)-business day waiting period
 from the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty
 addition; or (c) the APR, and that the final pre-close CD has been received by borrower by
 consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.4** On
 the final CD the following checks and limitations apply:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.5** Verification
 of the technical formatting of the CD is out of scope in the standard review. The formatting
 of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.6** Closing,
 Transaction and Loan Information sections have been completed with accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.7** Loan
 terms sections are completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.8** Mission
 will verify loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.9** Mission
 will verify all applicants applying for credit, as disclosed on the application, are listed
 on the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.10** "Can
 this mount increase after closing?" and "Does the loan have these features"
 sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.11** Projected
 Payments and Estimated Taxes, Insurance & Assessments sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.12** Fees
 have been disclosed properly (alphabetically, correct buckets and all title fees start with
 "Title - ") in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.13** Any
 additional fees for sections other than Section C (Services You Can Shop For).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.14** Calculating
 Cash to Close table completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.15** Summaries
 of Transaction section completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.16** CD
 Assumption, Demand Feature, Negative Amortization, and Partial Payments sections completed
 properly (at least and only one box selected).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.17** Late
 Payment completed properly (terms disclosed and accurate per note).

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.18** Escrow
 Amount section was completed properly (only one box selected and amounts
disclosed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.19** Escrow
 Property Costs over Year 1 to be calculated per the payments scheduled to be made in a 1
 year period after consummation (1026.38)1)(7)(i) (A)(I).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.20** Non-Escrowed
 Property Costs over 1 Year to be calculated using either 11 or 12 months as determined by
 client. (1026.38)(1)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.21** If
 Interest Only, Optional Payments, Step Payments, or Seasonal Payments, is

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.22** Adjustable
 Payment ("AP") Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.23** If
 ARM or Step, is Adjustable Interest Rate ("AIR") Table was disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.24** Loan
 Calculations sections were complete and accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.25** Total
 of Payments is accurate per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.26** Include
 fees in section A, B, and C that are paid by the borrower as well as the seller or other
 if those fees are customarily paid by the borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.27** Mission
 captured amounts disclosed in Loan Calculations section and tested for TILA tolerance violations
 on disclosed APR and Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.28** Mission
 confirmed the Total Interest Percentage (TIP) was accurate with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.29** Other
 Disclosures section was complete with at least one choice selected as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12.30** Rounding
 rules were verified as per 1026.38(t)(4). Rounding on all percentages except APR is percentages
 should be truncated so that a zero is not disclosed in the last decimal place (7.250 should
 be rounded to 7.25).

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13** **TRID Method of Delivery/Receipt LE and CD** 

Mission verified the method of receipt of the revised LE and CD and performed a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.1** In
 Person: borrower signature date is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.2** Electronic
 - No Receipt Confirmation in File: three (3) business days from later of document issue date
 or proof of e-delivery date is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.3** Electronic
 - With Receipt Confirmation in File, date of receipt confirmation is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.4** Electronic
 - Delivery confirmation of an email, assuming the borrower(s) have consented to electronic
 delivery.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.5** Mail
 (USPS or other parcel delivery service) - No Receipt Confirmation in File: three (3) business
 days from later of document issue date or proof of mailing date is used. Delivery confirmation,
 i.e., confirmation that documents have been delivered to the borrower(s) door. Signature
 receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence
 of delivery, not receipt, for the purposes of the receipt requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.6** Mail
 (USPS or other parcel delivery service) - With Receipt Confirmation in File: date of receipt
 confirmation is used. Delivery confirmation, i.e., confirmation that documents have been
 delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s)
 to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes
 of the receipt requirements. Unknown (unable to determine delivery method or unable to verify
 borrower received disclosures in any other method than by USPS Mail method): follow the USPS
 Mail delivery method of three (3) business days from the document issue date. As noted above,
 a signature by anyone other than the borrower(s) constitutes evidence of delivery and the
 method of receipt will be considered unknown, requiring an additional three (3) days from
 the date the non-borrower received the documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13.7** Electronic
 Disclosures. If disclosures were sent electronically, a finding was cited if there was no
 evidence in the file that the borrower consented to receive disclosures electronically. Default
 to the three (3) business day mail rule for delivery without the proper documentation of
 borrower consent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.14** **Other TRID Compliance Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.14.1** Mission
 verified that the Home Loan Toolkit was present. If not present, a finding was cited if the
 Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed in the
 mail is not in the file or was not provided to the borrower within three (3) business days
 of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.14.2** Consummation
 Date: Consummation varies by applicable state law and the term is not often clearly defined.
 Accordingly, Mission used the notary date of the Deed of Trust to confirm consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.14.3** Post-Consummation
 Disclosures: As noted in the findings resolutions, the creditor
used a Post-consummation Closing Disclosure to either correct clerical errors and clear findings or to cure pre-consummation fee tolerance
errors and clear findings. In all cases, Mission confirmed the testing against the Post-consummation Closing Disclosure before findings
were resolved.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15** **SUBSEQUENT CHANGES AFTER CONSUMMATION** 

There were loans in the pool reviewed by Mission that contained findings related to issues that could only be cured by issuance of a Post-close Closing Disclosure. The following prescribed cures as set forth in section 1026.19 (t)(2)(iii) through (v) that are acceptable for changes and corrections to the Final CD after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15.1** Section
 1026.19(t)(2)(iii) - Changes due to events occurring after consummation. If within 30 days
 of consummation or as in this case, within 30 days of creditor first becoming aware of the
 existence of an event, an event occurs that causes the final CD to become inaccurate and
 such inaccuracy results in a change to an amount actually paid by the borrower(s) from the
 amount disclosed, Mission tested for evidence that a new, corrected CD was delivered or placed
 in the mail to the borrower within thirty (30) days of receiving information that an event
 occurred.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15.2** Section
 1026.19(f)(2)(iv)- Changes due to clerical errors. Non-numeric clerical errors, for the purpose
 of this scope are any error not related to a disclosed dollar amount or percentage. Where
 applicable, Mission tested for evidence that a new, corrected Post-Closing CD was delivered
 or placed in the mail to the borrower within sixty (60) calendar days of consummation, or
 within sixty (60) calendar days of the first date of which the creditor becomes aware of
 such error.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15.3** Section
 1026.19(f)(2)(v)-Refunds related to the good faith analysis. Where applicable, Mission identified
 findings related to fee disclosures and brought such findings to the attention of the creditor.
 As noted in the resolution of these findings, the Creditor acted in Good Faith and cured
 these findings by issuing a corrected Post-Closing CD and where a fee tolerance violation
 occurred the Creditor issued a refund to the borrower. In all cases, Mission tested for evidence
 such as a copy of the refund check, a new corrected CD, and evidence the creditor delivered
 or placed in the mail to the borrower within the timeframe necessary as noted in the resolution
 to the findings.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15.4** A
 post-consummation CD is understood to be issued with a Date Issued represented as the date
 the post-consummation CD was issued.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15.5** Errors
 on LE's and Interim CD's and numeric errors on final CD's which do not have prescribed cures
 as per the regulation were not be reported as having been cured. The assessment of risk and
 decision to accept a finding that does not have a prescribed cure is the responsibility of
 the purchaser of the loan.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16** **Additional Disclosures and Requirements:** 

Mission confirmed compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.1** Confirmed
 the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.2** Confirmed
 the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated
 business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.3** Confirmed
 the Affiliated Business Disclosure provided within three general business days of "Application"
 (Mission reviews for this disclosure to be provided within three general business days, as
 the lender will typically know at the time of application if borrower(s) will be referred
 to affiliates for provision of third party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.4** Confirmed
 the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.5** Confirmed
 the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.6** Confirmed
 the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16.7** Confirmed
 that each mortgage loan adhered to flood insurance coverage requirements as outlined under
 the NFIP, including identification of flood zones and subsequent policy documentation for
 evidence of adequate coverage amounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17** **High Cost- State & Local Anti-Predatory Regulations:** 

In addition to federal thresholds, Mission reviewed the anti-predatory lending statutes in the following states and local municipalities, as applicable:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.1** Arkansas
 Home Loan Protection Act, AR. Stat. Ann.§ 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.2** California
 Anti-Predatory Lending Statute, CA. Fin. Code§ 4970 et seq.

**6.17.3** 4.3 California
Higher Priced Mortgage Loan Statute, CA. Fin Code § 4995 et seq.

**6.17.4** 4.4 Colorado Consumer Equity Protection Act, CO. Rev. Stat. § 5-3.5-101 et
seq. and as amended by Senate Bi11216 (2007) and House Bi111322 (2007)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.5** Colorado
 Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.6** Connecticut
 Abusive Home Loan Lending Practices Act, CT. Stat. Ann. § 36a-746 et seq. and the Responsible
 Lending and Economic Security Act, CT. House Bill 5577 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.7** Connecticut
 Nonprime Home Loan Statute, CT. Gen. Stat. §§ 36a-760 et seq. (as originally enacted
 and as amended by Senate Bill 949.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.8** District
 of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq.,
 as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. and DC Mortgage Disclosure
 Act of2007.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.9** Florida
 Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.10** Georgia
 Fair Lending Act, GA. Stat. Ann.§ 7-6A-1 et seq. (as originally enacted by House Bill
 02-1361 and as modified by Senate Bill 03-53)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.11** Idaho
 Residential Mortgage Practices Act, ID. Code§ 26-3101 et seq.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.12** Illinois
 High Risk Home Act, IL. Comp Stat. tit. 815, §§ 137/5 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.13** Illinois
 High Risk Home Loan Regulations, 38 IL. Admin. Code § 345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.14** Illinois
 High Risk Home Loan Act, Public Act. 93-0561 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.15** City
 of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§
 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.16** Cook
 County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended
 by Illinois SB 1167 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.17** Indiana
 Home Loan Practices Act, IN. Code§ 24-9-1-1 et seq. and as amended by 2005 In. P.L.
 141 § 6 P2013-011.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.18** Kansas
 Consumer Credit Code, KS. Stat. Ann. § 16a-1-101 et seq. Sections 16a-1-301, 16a-3-
 207 and 16a-3-308a.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.19** Kentucky
 Anti-Predatory Lending Statute, KY. Rev. Stat. § 360.100 et seq. and as amended by KY.
 House Bill 552 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.20** Maine,
 An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A ME. Rev. Stat.
 Ann. §§ 8-101; 8-103(1); 8-206(8); 8-206A and ME. Legislative Document 1869 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.21** Maryland
 Commercial Law, MD. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended
 by MD. Senate Bill 270 (2008) and Maryland Regulations under the MD. Mortgage Lender Law
 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.22** Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the MD. Mortgage Lender
 Law, MD. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; MD. Code Regs. §§
 09.03.06.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.23** Massachusetts
 High Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA. House Bill4387
 (2008) 20. MA. Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.24** Massachusetts
 Regulations for Higher Priced Mortgage Loans, 209 MA. Code Regs. §§ 32.00

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.25** Massachusetts
 "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.26** Massachusetts
 Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.27** Michigan
 Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.28** Minnesota
 Mortgage Originator and Service Licensing Act, § 58.137 etal. (S.F. 2988 (2002) and
 as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.29** Nebraska
 Mortgage Bankers Registration and Licensing Act, NE. Stat.§ 45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.30** Nevada
 Anti-Predatory Lending Law, NV. Rev. Stat. § 598D.010 et seq. and as amended by AB 440
 and492.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.31** New
 Jersey Home Ownership Security Act of 2002, NJ. Stat. Ann. §C:46:10 B-22 et seq. and
 as amended by PL. 2004, Ch. 84 § 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.32** New
 Mexico Home Loan Protection Act, NM. Stat. Ann. § 58-21A-1 et seq. and as amended by
 Senate Bill 342 (2009 High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented by 3
 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-1
 (2003) and 6-m (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.33** New
 York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.34** New
 York High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003)
 and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-1 (2003) and 6-m (2008).

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.35** North
 Carolina Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-l.1 to 24-10.2 and North
 Carolina Amendments to Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-9; 24-l.l(E)(a);
 24-10.2(a) and as amended by House Bill1817 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.36** Ohio
 Anti-Predatory Lending Statute, OH. Rev. Code Ann. §§ 1349.25 to 1349.37and §
 1.63 and as amended by S.B. 185.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.37** City
 of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.38** Oklahoma
 Anti-Predatory Lending Law, House Bill No. 1574 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.39** Oklahoma
 Higher -Priced Mortgage Loans Law, OK. Admin. Code§§ 160:45-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.40** Pennsylvania
 Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann. § 456.501 et seq. 4.41 City
 of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33
 as amended.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.41** Rhode
 Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI. Gen. Laws. §§
 34-25.2-1 et seq., including the Emergency and Final Regulations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.42** South
 Carolina High-Cost and Consumer Home Loans Act, SC. Code§ 37-23-10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.43** South
 Carolina Consumer Protection Code, SC. Code 37-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.44** Tennessee
 Home Loan Protection Act, TN. Code Annotated §§ 45-20-101 et seq., Title 47 et
 seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.45** Texas
 High-Cost Home Loan Statute, TX. Fin. Code Ann.§ 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.46** Texas
 Constitution, Section 50(a)(6), Article XVI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.47** Utah
 Residential Mortgage Practices Amendments, UT. Code Ann.§ 61- 2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.48** Utah
 High Cost Home Loan Act, UT. Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.49** Vermont
 Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.50** Virginia
 Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), VA. Code Ann.§§
 6.1-413; 6.1-422, 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.51** Virginia
 Mortgage Lender and Broker Act (for loans originated after July 1, 2003), VA. Code Ann.§§
 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.52** Washington
 House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.53** Wisconsin
 Responsible High Cost Mortgage Lending Act, WI. Stat. § 428.202.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.54** West
 Virginia Residential Mortgage Lender, Broker and Servicer Act, WV. Code § 31-17-1 et
 seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17.55** Wyoming
 Credit Code, WY. Stat. Ann.§§ 40-14-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.18** **Regulatory Compliance Disclaimer** 

Please be advised that Mission did not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Mission are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Mission is relying in reaching such findings.

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Please be further advised that Mission does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Mission do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Mission. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Mission to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Mission are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19** **Misrepresentation and Third-Party Report Review** 

Mission verified that fraud reports were present on all loans and independent third-party property valuations reports are in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19.1** **Misrepresentation Review** 

Mission validated the presence of a Fraud Guard report on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19.2** **Alerts** 

Mission validated credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19.3** **Social Security Numbers** 

Mission verified SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19.4** **Document Integrity** 

Mission validated to the extent possible for apparent alterations to loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19.5** **Data Consistency** 

Mission validated the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19.6** **Third Party Fraud Tools** 

To the extent a third-party Fraud Guard was present in the loan file, Mission reviewed high level or critical warnings were reviewed and addressed.

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| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e **\| 21** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**7.** **Data Integrity Review** 

Mission was provided with a Client bid tape to conduct a Data Integrity Review. The Client provided a data tape with the following data fields and Mission compared the field to the applicable source document and reported all variances.

The following fields were provided and compared:

All Borrower Total Income

Application Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 Citizenship

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 First Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 LastName

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Co-Borrower
 FirstName

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Co-Borrower
 Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
 Settlement Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ First
 Payment Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 Monthly PI or IO Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Interest
 Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lender
 Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 ID

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ MIN
 No

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 Origination Channel

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note
 Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Number
 of Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Primary
 Appraised Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Property
 Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Property
 City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Property
 County

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Property
 State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Property
 Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Property
 Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Qualifying
 CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**8.** **Loan and Exception Level Grading Methodology** 

Pursuant to the applicable NRSRO criteria, Mission graded each loan exception with an event level 1 for exceptions findings that are informational in nature, event level 2 for exceptions findings that are considered non-material, event level 3 for exceptions findings that are considered material. In accordance applicable NRSRO criteria exceptions and overall initial loan grades and final loan Grades were assigned with an A, B, C or D. The methodology for the application of RMBS grading is defined by each NRSRO in their current industry publications as updated from time to time.

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Pursuant to the applicable NRSRO criteria, Mission graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Where applicable, mortgage loans that are seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The period is not limited for claims, other than recission, which are raised as a defense to foreclosure. Information contained in any Mission reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**NRSRO GRADING METHODOLOGY**

---

| | | |
|:---|:---|:---|
| **MDBRS Ratings Grade** | **# of Loans** | **% of Loans (by count) in <br> MISSION Population** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100% |
| C | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0% |
| D | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0% |

---

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| | | |
|:---|:---|:---|
| <br> **NRSRO GRADE SUMMARY** | | |
| **NRSRO GRADE** | **# of Loans** | **% of Loans (by count) in MISSION Population** |
| **CREDIT** | | |
| **A** | 0 | 0% |
| **B** | 1 | 100% |
| **C** | 0 | 0% |
| **D** | 0 | 0% |
| **COMPLIANCE** |  |  |
| **A** | 1 | 100.0% |
| **B** | 0 | 0% |
| **C** | 0 | 0% |
| **D** | 0 | 0% |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY/VALUE** |  |  |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp; 0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp; 1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp; 0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp; 0 | &nbsp;&nbsp;0% |

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|:---|:---|
| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e **\| 24** |

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**DATA INTEGRITY REVIEW**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Summary**<br>&nbsp;&nbsp;**DRMT 2026-CES1**<br>&nbsp;&nbsp;**Run Date - 4/14/2026 13:00:00 PM**<br>&nbsp;&nbsp;**Field Label** | <br>&nbsp;&nbsp;**Loans With Discrepancy** | <br>&nbsp;&nbsp;**Total Times Compared** | <br>&nbsp;&nbsp;**% Variance** | <br>&nbsp;&nbsp;**Comments** |
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;B2FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;ClosingSettlementDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% | &nbsp;&nbsp;In all cases Mission verified the monthly PI Payment from the promissory note. |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;MINNo | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;MortgageOriginationChannel | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;PrimaryAppraisedPropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% | &nbsp;&nbsp;All variances were various slight spelling differences in the tape vs on the deed of trust. |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;PropertyCounty | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;QualifyingCLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;RefinanceType | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;SalesPrice | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;TotalDebtIncomeRatio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;UnderwritingGuidelineLenderName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;UnderwritingGuidelineName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;UnderwritingGuidelineVersionDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;VerifiedDocType | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |  |
|  | &nbsp;&nbsp;2 |  |  |  |

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**POOL DETAILS**

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|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**AMORTIZATION TYPE** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**BORROWER CITIZENSHIP** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;US Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**LOAN TYPE** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**OCCUPANCY** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;Refinance - Cash Out | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Investment | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**ORIGINAL INTEREST RATE** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**PROPERTY TYPE** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;>= 8.000% | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**QUALIFYING FICO** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**VERIFIED DSCR** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;701 - 800 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;1.00 - 1.99 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**VERIFIED DTI** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** |  |  |  |
| &nbsp;&nbsp;< 10 or Null | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |  |  |  |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |  |  |  |

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| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e **\| 26** |

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## Exhibit 99.21

**Exhibit 99.21**

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| |
|:---|
| ![](ex99-21_001.jpg) |
| **Rating Agency Grades Detail Report** |
| **DRMT 2026-CES1** |
| **Run Date - 4/14/2026 13:00:00 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXXXX-2026-CES1-1 |  | B A | Closed | FCRE0409 | 2025-02-05 00:21 | 2025-02-05 03:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Subject loan Junior Lien program not qualified under guidelines - Ineligible First Lien program | Waived-1st lien is Balloon Mortgage per Note document in Page #308_Credit pkg which is ineligible per Guidelines page 55. However, exception document is in page # 16 of Credit pkg.pdf - Due Diligence Vendor-02/05/2025 |  | Waived-1st lien is Balloon Mortgage per Note document in Page #308_Credit pkg which is ineligible per Guidelines page 55. However, exception document is in page # 16 of Credit pkg.pdf - Due Diligence Vendor-02/05/2025<br>|  | No credit events past 40 months-No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File <br> No mortgage late payments in the last 24 months-No Consumer Mortgage late payments in CBR Page #291 of Credit pkg.pdf<br> No consumer late payments in the last 24 months-No Consumer late payments in CBR Page #291 of Credit pkg.pdf |  | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | XX |
| XXXXXX-2026-CES1-1 |  | B A | Closed | FVAL5474 | 2025-02-05 00:23 | 2025-02-05 03:26 | Waived | 2 - Non-Material B | Property | Property | Condo project is ineligible | Waived-Condo Project is Subject to litigations with Deferred maintenance per document in page #256_Credit pkg, however exception document in page # 17 of Credit pkg.pdf - Due Diligence Vendor-02/05/2025 |  | Waived-Condo Project is Subject to litigations with Deferred maintenance per document in page #256_Credit pkg, however exception document in page # 17 of Credit pkg.pdf - Due Diligence Vendor-02/05/2025<br>|  | No credit events past 40 months-No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File <br> No mortgage late payments in the last 24 months-No Consumer Mortgage late payments in CBR Page #291 of Credit pkg.pdf<br> No consumer late payments in the last 24 months-No Consumer late payments in CBR Page #291 of Credit pkg.pdf<br> 5+ years credit history-Oldest tradeline date in CBR page # 291 of Credit Package.pdf is05/01/2005 |  | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | XX |

---

## Exhibit 99.22

**Exhibit 99.22**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-22_001.jpg) |  |  |  |  |  |  |  |  |
| **Rating Agency Grades Summary Report** | **Rating Agency Grades Summary Report** |  |  |  |  |  |  |  |
| **DRMT 2026-CES1** | **DRMT 2026-CES1** |  |  |  |  |  |  |  |
| **Run Date - 4/14/2026 13:00:00 PM** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |

---

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Investor ID** | **Seller Loan ID** | **Original Loan Amount** |
| XXXXXX-2026-CES1-1 |  |  | [Redacted] B A |

---

## Exhibit 99.23

**Exhibit 99.23**

---

| |
|:---|
| ![](ex99-23_001.jpg) |
| **Data Compare Detail Report** |
| **DRMT 2026-CES1** |
| **Run Date - 4/14/2026 13:00:00 PM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** |
| XXXXXX-2026-CES1-1 |  |  | [Redacted] | Property Address | notePage | [Redacted] | [Redacted] |
| XXXXXX-2026-CES1-1 |  |  | [Redacted] | Initial Monthly P&I Or IO Payment | notePage | [Redacted] | [Redacted] |

---

## Exhibit 99.24

**Exhibit 99.24**

---

| |
|:---|
| ![](ex99-24_001.jpg) |
| **Second Lien/HELOC Supplemental Data** |
| **DRMT 2026-CES1** |
| **Run Date - 4/14/2026 13:00:00 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Guideline Version** | **Lien Position** | **Occupancy** | **Document Level** | **Loan Amount** | **Subject Lien Monthly Payment** | **Term** | **LTV** | **CLTV** | **HELOC Flag** | **HELOC Cut-off Date** | **Repayment Period** | **Per Diem Interest - Days in Year** | **HELOC Interest Type Indicator** | **Maximum Line Of Credit** | **HELOC Initial Amount Advanced** | **Unpaid Principal Balance** | **Available Draw Amount** | **Minimum Draw Amount** | **Draw-Access Period in Months** | **Minimum Payment Amount** | **Draw-Access Fee Amount** | **Other Fee Amount** | **Annual Fee Amount** | **HELOC Closing Cost Total** | **Draw Period Renewal** | **Renewel Period - Months** | **ARM Rounding Method** | **Index Rounding Factor** | **Lookback Period** | **Index** | **Index Value** | **Margin** | **APR - Fully Indexed** | **First Rate Change Date** | **Life Rate Max - APR Max** | **Life Rate Min - APR Min** | **ARM Initial Fixed Rate Period** | **Other Lien Position** | **Other Lien Type** | **Current Balance of Senior Lien** | **Monthly Payment of Other Lien** | **Subject Lien DSCR** | **Combined DSCR** | **Subject Lien DTI** | **Combined DTI** |
| XXXXXX-2026-CES1-1 |  |  | [Redacted] | [Redacted] | ClosedEndA | 2 | Investment | [Redacted] | [Redacted] | [Redacted] | 360 | [Redacted] | [Redacted] NA | No |  |  | Periodic 360 | Actuarial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  | 1st | Closed End - Fixed | [Redacted] | 1041 | 2.69 | 1.08 | 0 | 0 |

---

## Exhibit 99.25

**Exhibit 99.25**

---

| |
|:---|
| ![](ex99-25_001.jpg) |
| **Business Purpose Supplemental Data** |
| **DRMT 2026-CES1** |
| **Run Date - 4/14/2026 13:00:00 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXXXX-2026-CES1-1 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | Yes | 9350 | 12500 | Appraisal - 1007 |  | N/A |  |  | 9350 | Actual In Place Rent | No | 92.93 | 1.08 | 1.08 | 8689.15 | 9350 | 03-14-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1000 |  |  |  | [Redacted] |  |  |  |  |  |  | No | No | 3.3 | 1 | 1 | N/A | 32.94 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |

---

## Exhibit 99.26

**Exhibit 99.26**

---

| |
|:---|
| ![](ex99-26_001.jpg) |
| **VALUATION REPORT** |
| **DRMT 2026-CES1** |
| **Run Date - 4/14/2026 13:00:00 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **SECOND APPRAISAL VALUE** |  |  |  |  | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **COLLATERAL UNDERWRITER SCORES** | **COLLATERAL UNDERWRITER SCORES** | **COLLATERAL UNDERWRITER SCORES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Completion Report (1004D) Date** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Value for LTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXXXX-2026-CES1-1 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | [Redacted] | [Redacted] | -.0851 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.27

**Exhibit 99.27**

![](ex99-27_002.jpg)

![](ex99-27_001.jpg)

**April 13, 2026**<br> **Due Diligence Narrative Report** <br>

![](ex99-27_002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 4 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *7* |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

 ****

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 1 April 13, 2026

 ****

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-52_003.jpg) | **Mike Taylor** | Client Service Director<br> Phone: (813) 261-8915/E-mail: <u>mtaylor@clayton.com</u> |
| ![](ex99-52_003.jpg) | **Joe Ozment** | Director of Securitization <br> Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of Pretium Residential Credit Management, LLC, Clayton conducted an independent third-party pre-securitization due diligence review of residential loans selected for the DRMT 2026-CES1. The loans referenced in this narrative report were reviewed in the months of 06/2025 to 01/2026 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 4 | 100.00% |
| **Total** | **4** | **100.00%** |

---

**Clayton's Third Party Review ("TPR") Scope of Work**

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

<sup>1</sup> Standard and Poor's, Moody's, Fitch, Kroll, DBRS, and Morningstar

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 2 April 13, 2026

![](ex99-27_002.jpg)

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;4 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;4 |  |

---

Sponsor Acquisition Criteria

The loans were underwritten to a select number of third-party guidelines that were approved by the Aggregator prior to acquisition. Clayton was supplied with the all guidelines in advance of our review.

Loan Grading

The Aggregator's Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

Clayton's loan grading complied with rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Kroll, Morningstar and DBRS.

TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in loan documentation provided to Clayton.

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 3 April 13, 2026

![](ex99-27_002.jpg)

Credit Review

Clayton's Credit scope of review conducted on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor
Acquisition Criteria cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor
Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Evaluated evidence of borrower's willingness and ability to repay the obligation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was already in the
loan file for Nationwide Mortgage Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert
information against loan documentation and assigned loan conditions accordingly.

Property Valuation Review

Clayton's Property Valuation scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment

- Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

- For more detail on the original appraisal review scope and desk review definitions, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

Regulatory Compliance Review

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u> and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment
penalty provisions;

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 4 April 13, 2026

![](ex99-27_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Truth-in-lending/regulation Z (TILA) testing included the following:

- Notice of Right to Cancel (Right of Rescission) adherence if applicable;

- TIL Disclosure Timing (3/7/3) and disclosure content;

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

- Section 32 APR and Points and Fees Thresholds and prohibited practices;

- Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

- Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation
depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required
rate reduction per discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

GFE to HUD1 evaluation for 0% and 10% fee tolerances;

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firms role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 5 April 13, 2026

![](ex99-27_002.jpg)

Clayton applied the enhanced RMBS 3.0 TRID Compliance Review Scope to all loans in this transaction.

<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u> 

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton's audit law firm determined that only principal residences should be tested for IL high cost.

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 6 April 13, 2026

![](ex99-27_002.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape to file accuracy of each reviewed loan, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape data received from lender/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Reviewer collects validated loan data in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Each received data point is compared to its counterpart collected data point;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Discrepancies found during comparison are stored

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4. data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**Data Compare Results**

Clayton provided Pretium Residential Credit Management, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;75.00% |

---

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 7 April 13, 2026

![](ex99-27_002.jpg)

**Clayton Due Diligence Results**

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

**Initial and Final DBRS Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 2 |  |  |  | **2** |
| **Final** | **B** |  |  | 1 | 1 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **2** | **0** | **1** | **1** | **4** |

---

\*The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews

**Initial and Final DBRS Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 2 |  |  |  | **2** |
| **Final** | B |  |  | 1 | 1 | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **2** | **0** | **1** | **1** | **4** |

---

**Initial and Final DBRS Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 3 |  | 1 |  | **4** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **3** | **0** | **1** | **0** | **4** |

---

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 8 April 13, 2026

**Initial and Final DBRS Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 3 |  | 1 |  | **4** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **3** | **0** | **1** | **0** | **4** |

---

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;3. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;4. Valuations Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;5. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;6. ASF Upload

&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR/QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;8. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;9. Non-ATR QM Upload

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 9 April 13, 2026

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**Appendix A: Credit Review Scope**

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A. Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower eligibility, including:

- Citizenship status

- Non- occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction eligibility, including:

Maximum loan amount

- Loan purpose

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included
required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform Residential Loan Application reviewed to determine:

- Initial loan application was in the loan file and was signed by all borrowers

- Final loan application was in the loan file and was complete

- Information and debts disclosed on loan application aligned with related documentation in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment analyzed and verified through use of various documents, including:

- Income documentation

- Verbal and/or written verifications of employments (VVOE, VOE)

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

- Required income documentation for all borrowers was present and within required time period

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Signed by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared IRS tax transcripts to income documentation and noted any inconsistencies

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- Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

- Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Verification of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

- Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

- Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

- Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold estate

- Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

- Applicable title endorsements were present

- Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction

- Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

- Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

- Funds to close identified and analyzed against borrower's assets

- Seller contributions did not exceed maximum allowed

- Subject property, seller and borrower aligned with other loan documentation

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- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

- Verified presence of required hazard insurance and flood insurance (if required)

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

- Reviewed for evidence that any required insurance policy premium was paid

- Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage
or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped "true and certified copy"
by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan
file to identify and address any potential misrepresentations including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 12 April 13, 2026

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**Appendix B: Origination Appraisal Assessment**

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report used standard GSE forms, appropriate to the property type:

- FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

- FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

- FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

- FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

- FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report was reasonably complete and included:

- Appraisal report form, certification, statement of limiting conditions and scope of work

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

- Accurate identification of the property type, in both land and improvements

- All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC Market Conditions Report

- Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

- Appraisal date met supplied Sponsor Acquisition Criteria

- If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and
USPAP based on the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

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- Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

- Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

C. Reviewed and graded the appraisal valuation to the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;o Property was complete. However, if the property was not 100% complete, then any unfinished portion had
no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following
key points in making determination:

- Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

- Property usage was reviewed for zoning compliance

- Property utilization was reviewed to determine it was "highest and best use"

- Neighborhood values were reviewed to determine if declining

- Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant occupancy

- Physical condition of the property was reviewed to determine that the property condition was average or better

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met
the client supplied eligibility requirements. Examples of ineligible property types may include:

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

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&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA
Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will
specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage
has been indicated, and the amount of said damage.

F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing
valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers
under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes
of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed
valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the
underlying property

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will
not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real
 property relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear
 Capital by ¬¬Customer. The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive
 market as of the effective date of the appraisal provided. The CDA will also provide an analysis of the
 appraisal provided, including supporting narrative and data to fully support the CDA value and outline
 deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the
 findings of the analysis for the appraisal provided to Clear Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the
file completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original
appraiser's methodologies, credentials, and commentary to insure compliance with regulatory requirements and industry accepted best
practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 15 April 13, 2026

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**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory
on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation
within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee
tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop
for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm
the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within
3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether
the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure
Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of
the prepayment penalty disclosure and assumption policy with the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application,
7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on
or after July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the
loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance,
mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance.
This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official
Loan Estimate before choosing a loan").

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 16 April 13, 2026

![](ex99-27_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated
payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 17 April 13, 2026

![](ex99-27_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one
option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 18 April 13, 2026

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 19 April 13, 2026

![](ex99-27_002.jpg)

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 20 April 13, 2026

![](ex99-27_002.jpg)

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

DRMT 2026-CES1 Due Diligence Narrative Report Page \| 21 April 13, 2026

## Exhibit 99.28

**Exhibit 99.28**

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **DRMT 2026-CES1** |
| **Start - End Dates:** | **6/19/2025 - 1/5/2026** |
| **Deal Loan Count:** | **4** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *4* |
| ***Loans with Conditions:*** | *2* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pretium Loan ID** | **Original Principal Balance** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXXXX | 6453728 | XXXXXX CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX | 1.6.26-Client provided screenshot of e-disclosures sent on XXX and a message being viewed. Only borrowers name connects this loan. Provide e-signed CD issued XXX OR e-sign process summary , including loan number, package content i.e. the CD issued XX/XX/XXXX, and a "review" or "receipt" status by the CD XXX.1.6.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.6.26-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.6865%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.81% is below the guideline minimum of 50%. |
| XXXXXX | 6453728 | XXXXXX CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 1.6.26-Client provided screenshot of e-disclosures sent on XXX and a message being viewed. Only borrowers name connects this loan. Provide e-signed CD issued XXX OR e-sign process summary , including loan number, package content i.e. the CD issued XXX, and a "review" or "receipt" status by the CD XXX.1.6.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.6.26- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.6865%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.81% is below the guideline minimum of 50%. |
| XXXXXX | 6453728 | XXXXXX CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI provided effective date is XXX. Please provide current HOI. | 1-5-26 Client uploaded HOI correction. | 1-5-26 XXX reviewed and updated data points. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.6865%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.81% is below the guideline minimum of 50%. |
| XXXXXX | 6453728 | XXXXXX CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Credit | Terms/Guidelines | Waived B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount is $XXX exceeding guideline maximum of $XXXLender approved exception in file. | 1-7-26 Client replied: should clear the condition with the loan amount exception in the file 01.16.2026 - Acknowledged by client. | 1-7-26 This is a Non-material exception which remains. 01.16.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.6865%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.81% is below the guideline minimum of 50%. |
| XXXXXX | 6405918 | XXXXXX CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers CLTV 55.86% is below guideline maximum 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 21 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x64 months positive consumer payment history meeting 12 month guideline requirement. |
| XXXXXX | 5854061 | XXXXXX CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Loan has an CLTV of 57.93% |
| XXXXXX | 5907096 | XXXXXX CA | (No Data) | ATR/QM: Exempt D B C | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | An explanation for the deposits being used from the XXX business bank account #XXX for qualifying income was not in the file. It appears from the income calculation worksheet the large ATM deposits were used but the smaller remote deposits and XXX deposits were deducted. There was documentation to source those large deposits. | (No Data) | LOE provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 733 credit score; minimum required is 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16 months reserves |
| XXXXXX | 5907096 | XXXXXX CA | (No Data) | ATR/QM: Exempt D B C | Credit | Terms/Guidelines | Waived C B | CRDTER4631 | Loan parameters do not meet guidelines | No | The loan amount is $XXX which is less the minimum loan amount allowed of $XXX per the XXXX Closed End Second matrix. | (No Data) | An exception dated XXX was provided allowing the loan amount. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 733 credit score; minimum required is 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16 months reserves |
| XXXXXX | 5907096 | XXXXXX CA | (No Data) | ATR/QM: Exempt D B C | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | The property condition inspection report was not in the file as required when an AVM with a 90% confidence factor is used per the XXX Closed End Second matrix. The file a XXX report with a 93% confidence factor. The report also sows the owner occupied status as yes but this is an investment property transaction. | (No Data) | AVM with a 95% score provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 733 credit score; minimum required is 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16 months reserves |

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## Exhibit 99.29

**Exhibit 99.29**

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **DRMT 2026-CES1** |
| **Start - End Dates:** | **6/19/2025 - 1/5/2026** |
| **Deal Loan Count:** | **4** |

---

**ATR QM Upload**

<br> *Loans in Report:* *4* 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 |
| **Loan Number** | **Pretium Loan ID** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| XXXXXX | 6453728 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.1709 | Yes | Yes | 1.568 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.27 | 41.81 | 37.27 | 41.81 | 41.81 | 41.81 | No | No | (No Data) | 13091.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | Business Bank Statements - 24 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 6405918 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 2 | 8.2119 | Yes | Yes | 3.073 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.49 | 24.28 | 25.49 | 24.28 | 24.28 | 24.28 | No | No | (No Data) | 91741.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 5854061 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 2 | 8.8750 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.59 | 0 | 38.59 | 38.59 | 38.59 | (No Data) | (No Data) | (No Data) | 4493.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 5907096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 2 | 10.6928 | Yes | No | 3.724 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 42.47 | 0 | 42.47 | 42.47 | 42.47 | (No Data) | (No Data) | (No Data) | 33239.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.30

**Exhibit 99.30**

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | DRMT 2026-CES1 |
| **Start - End Dates:** | 6/19/2025 - 1/5/2026 |
| **Deal Loan Count:** | 4 |
| **Valuations Summary** |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loans In Report: | 4 | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |
| Loans In Report: | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **AUS Information** |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pretium Loan ID** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| XXXXXX | 6453728 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| XXXXXX | 6405918 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| XXXXXX | 5854061 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| XXXXXX | 5907096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Other |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 2.91% | XXXXXX | 5.000 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.31

**Exhibit 99.31**

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | DRMT 2026-CES1 |
| **Start - End Dates:** | 6/19/2025 - 1/5/2026 |
| **Deal Loan Count:** | 4 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *3* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pretium Loan ID** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| XXXXXX | 6453728 | XXXXXX | Borrower 1 Total Income | 6596.60 | 6360.27 |
| XXXXXX | 6453728 | XXXXXX | Combined LTV | 50.42 | 74.69 |
| XXXXXX | 6453728 | XXXXXX | Debt to Income Ratio (Back) | 37.2650 | 41.8062 |
| XXXXXX | 6453728 | XXXXXX | Total Monthly Income | 22743.39 | 22496.02 |
| XXXXXX | 5854061 | XXXXXX | Lien Position | 1 | 2 |
| XXXXXX | 5907096 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| XXXXXX | 5907096 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| XXXXXX | 5907096 | XXXXXX | Borrower 1 Middle Name | XXXXXX | XXXXXX |
| XXXXXX | 5907096 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.32

**Exhibit 99.32**

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **DRMT 2026-CES1** |
| **Start - End Dates:** | **6/19/2025 - 1/5/2026** |
| **Deal Loan Count:** | **4** |

---

**Rating Agency ATR QM Data Fields**

<br> *Loans in Report:* *4* 

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pretium Loan ID** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| XXXXXX | 6453728 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9317.75 | XXXXXX | 8.1709 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 6405918 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14875 | XXXXXX | 8.2119 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| XXXXXX | 5854061 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 5907096 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.693 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.33

**Exhibit 99.33**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by RCF III TRS, LLC through a bulk purchase. The review included a total of 23 newly originated residential mortgage loans acquired through a bulk purchase in connection with the securitization identified as DRMT 2026-CES1 (the "Securitization"). The Review was conducted from September 2025 through February 2026 on mortgage loans originated between September 2025 and January 2026.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation through third party resource of the subject properties most recent twelve (12) month sales
history

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve the
loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review condominium questionnaire to verify all information is complete, prepared by an authorized representative,
and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;j. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable
dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor
is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October 24,
2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised
March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed Loan Program, revised
March 19, 2020.

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID
Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by
TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the application
date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active and properly
 disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Client or by the purchaser
 of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review
 closing documents to ensure that the Mortgage Loan information is complete, accurate, and
 consistent with other documents; Confirm collateral documents have been recorded or sent
 for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review original appraisal, determination that property is in "average" condition or better,
or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be
identified with the condition of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review appraisal, determination that property is completely constructed and appraisal is on an "as
is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser
indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review and determine the relevance of the comparable properties and ensure that a rational and reliable
value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a
review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional or secondary valuation products were not required.

For loans reviewed in a post-close valuation review scenario (23 loans in total):

Zero (0) loans had a Secondary Appraisal, One (1) loan had an AVM, and nine (9) loans had Desktop Reviews.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product was completed. There were zero (0) occurrences of this.

Product totals may not sum due to multiple products for each loan.

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the twenty-three (23) mortgage loans reviewed, twenty-three (23) unique mortgage loans (100.00% by loan count) had a total of fifty-six (56) discrepancies across seven (7) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;20 | &nbsp;&nbsp;35.71% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;13 | &nbsp;&nbsp;23.21% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;9 | &nbsp;&nbsp;16.07% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;10.71% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;6 | &nbsp;&nbsp;10.71% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |  |
| Event Grade | Loan Count | Original Principal Balance | Percent of <br> Sample |
| Event Grade A | 20 | $3645423.00 | 86.96% |
| Event Grade B | 3 | $947000.00 | 13.04% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 23 | $4592423.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 22 | 95.65% |
| Event Grade B | 1 | 4.35% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 23 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 21 | 91.30% |
| Event Grade B | 2 | 8.70% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 23 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 23 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 23 | 100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Income - Bank Statements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**24** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**23** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Escrow Waiver is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**23** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.34

**Exhibit 99.34**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 8449937851 |  |  | $XXXXXX A |
| 1993642589 |  |  | $XXXXXX D C A |
| 1397322100 |  |  | $XXXXXX A C |
| 8891150615 |  |  | $XXXXXX A |
| 4583540132 |  |  | $XXXXXX A D B |
| 4047955282 |  |  | $XXXXXX A |
| 8753410319 |  |  | $XXXXXX A C |
| 6204246089 |  |  | $XXXXXX B A |
| 3831664001 |  |  | $XXXXXX A |
| 8648976512 |  |  | $XXXXXX A |
| 4543367886 |  |  | $XXXXXX A C |
| 3498168506 |  |  | $XXXXXX A C B |
| 4177769709 |  |  | $XXXXXX A |
| 8152426727 |  |  | $XXXXXX A |
| 7273515222 |  |  | $XXXXXX A |
| 1229709481 |  |  | $XXXXXX A |
| 3828925480 |  |  | $XXXXXX A |
| 4735792702 |  |  | $XXXXXX A |
| 6412005809 |  |  | $XXXXXX A |
| 5934073866 |  |  | $XXXXXX A |
| 5217148172 |  |  | $XXXXXX A |
| 9894008159 |  |  | $XXXXXX D A |
| 4703537782 |  |  | $XXXXXX A C |

---

## Exhibit 99.35

**Exhibit 99.35**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 8449937851 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/11/2025 | Resolved | finding-3352 | Compliance | 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 ben met. HPML Downgraded |  |  | HPML compliant | 09/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.35% is less than Guideline LTV of 70% \| 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. A |
| 8449937851 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.35% is less than Guideline LTV of 70% \| 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. A |
| 8449937851 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.35% is less than Guideline LTV of 70% \| 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. A |
| 1993642589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/22/2025 | Resolved | FCRE5790 | Credit | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | The Gap Credit Report pull date: (XX/XX/XXXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XX/XX/XXXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The Gap Credit Report pull date XX/XX/XXXX as found on the Credit Liabilities must be inside XXX-days of consummation date XX/XX/XXXX. | Our LQI was pulled XXX business days prior to the note date-- our GL's do not specify whether this refers to XXX calendar days or XXX business days. Please advise, thank you so much! | 09/30/2025 | Borrower 1 Gap Credit Report is not expired. Credit report provided is valid at time of closing. | 10/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.61% is less than Guideline LTV 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. A |
| 1993642589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/22/2025 | Resolved | FCRE7805 | Credit | Missing Income - Bank Statements | Missing bank Statement for XXX account #XXX XXX for the month of XX/XX/XXXX. Please provide the bank Statement for XXX account #XXX XXX for the month of XX/XX/XXXX. | Document Uploaded. | 10/02/2025 | Received XXX XXX for XXX #XXX-XXX bank Statement validating income utilized. | 10/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.61% is less than Guideline LTV 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. A |
| 1993642589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/22/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Right to Rescind cancelation date of XX/XX/XXXX is less than XXX business days after the consummation date of XX/XX/XXXX and the loan was funded on XX/XX/XXXX. Provide a Certified HUD1 Settlement Statement to confirm the disbursement date. | Document Uploaded. | 09/24/2025 | PCCD provided with updated disbursement date; exception resolved; PCCD provided with updated disbursement date; exception resolved | 09/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.61% is less than Guideline LTV 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. A |
| 1993642589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.61% is less than Guideline LTV 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. A |
| 1397322100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Cure required: The Disbursement date of XX/XX/XXXX is on or before the ROR cancel date is XXX. The borrower did not receive XXX days to cancel. Cure requires reopening of rescission with a new XXX day waiting period, PCCD, LOE, and copy of RTC, and proof of mailing. | Document Uploaded. loan did not disburse until XX/XX/XXXX. please see pccd | 10/01/2025 | PCCD provided; Exception resolved; PCCD provided; Exception resolved | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.96% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.5% is less than Guideline CLTV of 80% \| 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. A |
| 1397322100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.96% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.5% is less than Guideline CLTV of 80% \| 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. A |
| 1397322100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.96% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.5% is less than Guideline CLTV of 80% \| 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. A |
| 8891150615 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.41% is less than Guideline LTV of 75% \| 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. A |
| 8891150615 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.41% is less than Guideline LTV of 75% \| 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. A |
| 8891150615 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.41% is less than Guideline LTV of 75% \| 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. A |
| 4583540132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Cured | FCOM1274 | Compliance | Escrow Waiver is Missing | Escrow Waiver is Missing Documentation required to clear exception. Evidence the Escrow Waiver was delivered | Document Uploaded. ; Document Uploaded. ; The 2nd Never have Escrow/Impounds, so that section can't be completed. ; Hi, this is a 2nd TD. There are no Escrow/Impounds on 2nd, Only on 1st. Therefore there is no Escrow Waiver for the 2nd. Please check with your management. | 12/17/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package is missing copy of the LOE sent to the borrower, will downgrade upon receipt of the LOE; Under SFA guidance, escrowed and non-escrowed amounts on page XXX of the CD are in scope. Remediation required - LOE and PCCD disclosing correct entry of CD page XXX Escrow Account section.; While an escrow waiver is not required. The Escrow Account Section of the Final CD (Pg XXX) was not completed correctly. There needs to be an option selected for either the borrower declining an escrow account or that the lender does not offer one. Also the No Escrow Estimated Property cost over XXX Year needs to be filled in. Please provide a PCCD, with LOE to resolve this finding | 12/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.7% is less than Guideline LTV of 80% \| 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 D A |
| 4583540132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.7% is less than Guideline LTV of 80% \| 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 D A |
| 4583540132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.7% is less than Guideline LTV of 80% \| 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 D A |
| 4047955282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | finding-2962 | Compliance | XXX 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 lawfully 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 |  |  | HPML compliant | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.4% is less than Guideline LTV of 80% A |
| 4047955282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | finding-3352 | Compliance | 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 |  |  | HPML compliant | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.4% is less than Guideline LTV of 80% A |
| 4047955282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.4% is less than Guideline LTV of 80% A |
| 4047955282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 14.4% is less than Guideline LTV of 80% A |
| 8753410319 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An 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 to the borrower OR Valid COC. The Lender Credit violation is due to the decrease on the Final CD and no COC was found in the file explaining the reason for the decrease. Please provide a Valid COC or Cure Package | Document Uploaded. attached COC | 01/12/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 01/13/2026 | 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 42.55% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 17.73% is less than Guideline LTV of 80% A |
| 8753410319 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/21/2025 | 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 42.55% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 17.73% is less than Guideline LTV of 80% A |
| 8753410319 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  | Informational | 12/21/2025 | 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 42.55% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 17.73% is less than Guideline LTV of 80% A |
| 6204246089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/29/2025 | 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 44.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 7.39% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6204246089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/29/2025 | 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 44.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 7.39% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6204246089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/29/2025 | 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 44.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 7.39% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6204246089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender Matrix reflects that the CES program dated XX/XX/XXXX requires a housing history of XXX. The subject loan Credit Report reflects a XXX day late payment on XX/XX/XXXX. The compensating factors: CLTV under XXX% FICO XXX points above the minimum required. Residual income greater than 8k, XXX on 1st mortgage. Exception Approved. |  |  | Lender exception approved | 12/29/2025 | 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 44.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 7.39% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 3831664001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.3% is less than Guideline LTV of 80% \| 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 A |
| 3831664001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.3% is less than Guideline LTV of 80% \| 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 A |
| 3831664001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.3% is less than Guideline LTV of 80% \| 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 A |
| 8648976512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/26/2025 | Resolved | finding-3352 | Compliance | 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 compliant |  |  | HPML compliant | 12/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.24% is less than Guideline LTV of 75% A |
| 8648976512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.24% is less than Guideline LTV of 75% A |
| 8648976512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.24% is less than Guideline LTV of 75% A |
| 4543367886 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An 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 to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in Discount Points on the LE dated XXX and the file is missing the COC explaining the reason for why the fee increased. Please provide a Valid COC or Cure Package | Document Uploaded. | 12/31/2025 | valid COC provided; exception resolved; valid COC provided; exception resolved | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 80% A |
| 4543367886 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 80% A |
| 4543367886 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 80% A |
| 3498168506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An 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 credit report fee from XXX to XXX and the increase of the appraisal fee from XXX to XXX without valid COC. | Document Uploaded. CURE package attached. | 01/13/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 01/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.1% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.63% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 3498168506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.1% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.63% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 3498168506 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 6.1% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.63% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 4177769709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | 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 7.23% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.55% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 4177769709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | 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 7.23% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.55% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 4177769709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | 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 7.23% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.55% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 8152426727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 8152426727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 8152426727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 7273515222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.71% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 12.86% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 7273515222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.71% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 12.86% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 7273515222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.71% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 12.86% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 1229709481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.46% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.89% is less than Guideline CLTV of 90% A |
| 1229709481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.46% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.89% is less than Guideline CLTV of 90% A |
| 1229709481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.46% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.89% is less than Guideline CLTV of 90% A |
| 3828925480 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.37% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.67% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 3828925480 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.37% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.67% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 3828925480 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.37% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.67% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 4735792702 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | 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 9.86% is less than Guideline LTV of 60% A |
| 4735792702 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | 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 9.86% is less than Guideline LTV of 60% A |
| 4735792702 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | 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 9.86% is less than Guideline LTV of 60% A |
| 6412005809 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.85% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 11.21% is less than Guideline LTV of 75% A |
| 6412005809 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.85% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 11.21% is less than Guideline LTV of 75% A |
| 6412005809 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  | Informational | 01/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.85% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 11.21% is less than Guideline LTV of 75% A |
| 5934073866 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.06% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.71% 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 A |
| 5934073866 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.06% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.71% 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 A |
| 5934073866 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.06% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.71% 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 A |
| 5217148172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.16% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.98% 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 A |
| 5217148172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.16% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.98% 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 A |
| 5217148172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.16% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.98% 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 A |
| 9894008159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Please provide verification of the Borrower's escrow payment. The mortgage Statement in file indicates monthly escrow payment of XXX with a county tax disbursement of $XXX. The tax cert provided in file also verifies bi-annual taxes of $XXX. The hazard insurance provided in file indicates a monthly payment of only $XXX. The monthly tax payment of XXX and hazard insurance payment of XXX does not equal the escrow payment provided on the mortgage Statement. Additionally, the lender included a total first lien payment of XXX whereas the mortgage Statement indicates the total payment, including escrow is only $XXX. Please provide verification of the Borrower's tax payment, insurance payment and if applicable, escrow shortage payment. | Document Uploaded. ; Document Uploaded. | 02/03/2026 | Escrow shortage evidence provided. Resolved. ; Countered. Client only provided updated XXX Per condition, Please provide verification of the Borrower's tax payment, insurance payment and if applicable, escrow shortage payment for verification. | 02/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.22% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9894008159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.22% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9894008159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.22% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 4703537782 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An 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 to the borrower or valid COC. The Lender Credit violation is due to the decrease of the Lender Credit to XXX on the Final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | 02/10/2026 | Valid COC provided - exception resolved; Valid COC provided - exception resolved | 02/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.98% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 8.25% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 4703537782 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/02/2026 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to cure or PCCD, LOE, new signed ROR and re-opening of rescission is required. Estimated //settlement Statement indicates disbursement date was XX/XX/XXXX. Provide final settlement Statement to verify disbursement date. | Document Uploaded. | 02/11/2026 | PCCD with corrected disbursement date provided - exception resolved; PCCD with corrected disbursement date provided - exception resolved | 02/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.98% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 8.25% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 4703537782 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.98% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 8.25% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 4703537782 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.98% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 8.25% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A |

---

## Exhibit 99.36

**Exhibit 99.36**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 8449937851 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.35 | 64.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1993642589 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.61 | 84.88 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 1397322100 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.96 | 47.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 8891150615 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.41 | 74.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 4583540132 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.7 | 73.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 4047955282 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.4 | 78.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 8753410319 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.73 | 42.55 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 6204246089 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.39 | 44.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 3831664001 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.3 | 79.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 8648976512 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.24 | 79.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 4543367886 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.0 | 74.53 | $XXX | XXX | -.0217 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0217 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 3498168506 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 6.1 | 34.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 4177769709 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.23 | 52.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 8152426727 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 30.0 | 74.84 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 7273515222 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.86 | 49.71 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1229709481 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 25.46 | 74.89 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3828925480 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.37 | 71.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | 93.0 | 0.07 | XXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 4735792702 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 9.86 | 60.0 | $XXX | XXX | -.0476 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0476 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6412005809 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 11.21 | 55.85 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 5934073866 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 27.06 | 59.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 5217148172 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 23.16 | 47.98 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 9894008159 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.22 | 73.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 4703537782 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.25 | 57.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |

---

## Exhibit 99.37

**Exhibit 99.37**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 8449937851 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 8449937851 |  | Qualifying CLTV | XXX | XXX | Per appraisal value |
| 8449937851 |  | Qualifying Total Debt Income Ratio | XXX | XXX | per income and debts |
| 1993642589 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Final Closing Disclosure. Compliance updated to match Notary date. |
| 1993642589 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 1993642589 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed with bank Statements provided for income verification and Credit Report. The Borrower's income is lower due to missing bank Statement for XX/XX/XXXX. |
| 1397322100 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 1397322100 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Final Closing Disclosure. Closing date was updated to match the Notary date. |
| 8891150615 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Final Closing Disclosure. Closing date was updated to match the Notary date. |
| 8891150615 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX Per Initial 1003. |
| 8891150615 |  | Qualifying CLTV | XXX | XXX | XXX% rounded to XXX% |
| 4583540132 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 4583540132 |  | Qualifying CLTV | XXX | XXX | XXX% per most recent mortgage Statement. |
| 4047955282 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the updated credit report. |
| 8753410319 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 8753410319 |  | Qualifying CLTV | XXX | XXX | Per 1st lien balance |
| 8753410319 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income calculation |
| 6204246089 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 6204246089 |  | Qualifying CLTV | XXX | XXX | Per 1st lien balance |
| 3831664001 |  | Qualifying CLTV | XXX | XXX | Verified by the calculations. |
| 3831664001 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations - within tolerance. The difference is due to a new, updated hazard insurance policy. The old policy was XXX yearly. The new hazard insurance policy is XXX yearly. |
| 8648976512 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003 |
| 8648976512 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations - within tolerance |
| 4543367886 |  | Qualifying CLTV | XXX | XXX | XXX% per balance per mortgage Statement. |
| 3498168506 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 3498168506 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Final Closing Disclosure. Closing date was updated to match the Notary date. |
| 3498168506 |  | Qualifying CLTV | XXX | XXX | Verified by the calculations - within tolerance. |
| 4177769709 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 4177769709 |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% audit DTI, variance in income calculation by $XXX. Audit calculated income based on the WVOE, with YTD income through XX/XX/XXXX. Appears lender also calculated YTD income through XX/XX/XXXX, however calculation was XXX higher. |
| 8152426727 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 8152426727 |  | Credit QM/ATR Designation | XXX | XXX | updated per business purposed - investment refi |
| 8152426727 |  | Qualifying CLTV | XXX | XXX | updated per appraisal |
| 7273515222 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 7273515222 |  | Qualifying CLTV | XXX | XXX | Per Appraisal and 1st lien balance |
| 1229709481 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 1229709481 |  | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 1229709481 |  | Qualifying CLTV | XXX | XXX | Verified by the calculations. |
| 3828925480 |  | Property Address | XXX | XXX | abbreviation |
| 3828925480 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 3828925480 |  | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 4735792702 |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 4735792702 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 6412005809 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 6412005809 |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 6412005809 |  | Qualifying LTV | XXX | XXX | Per Appraisal and lien balances |
| 5934073866 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 5934073866 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. |
| 5217148172 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated initial 1003 |
| 5217148172 |  | Credit QM/ATR Designation | XXX | XXX | updated per loan type |
| 5217148172 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | updated per HUD1 settlement Statement |
| 5217148172 |  | Qualifying CLTV | XXX | XXX | updated per loan amounts and appraised value |
| 9894008159 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 9894008159 |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% per audit review. The lender included a higher payment for the first lien of XXX without any breakdown. Per mortgage Statement and note, first lien payment was XXX without escrow. Taxes were consistent based on tax cert (pg XXX) and disbursed amount per mortgage Statement (pg XXX) and insurance doc was effective XX/XX/XXXX - no updated changes provided. Liabilities - lender included a payment per XXX, audit included as installment with a monthly balance pd by cash out. File contains XXX docs, with a monthly payment of XXX that lender omitted but included by audit review. |
| 4703537782 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 4703537782 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Final Closing Disclosure. Closing date was updated to match the Notary date. |
| 4703537782 |  | Qualifying CLTV | XXX | XXX | Verified by the calculations. |

---

## Exhibit 99.38

**Exhibit 99.38**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, RCF III TRS, LLC. ("Client"). The review included a total of 56 newly originated residential mortgage loans, in connection with the securitization identified as DRMT 2026-CES1 (the "Securitization"). The review began on February 12, 2024, and concluded on October 9, 2025.

**Scope of Review**

**Credit Review**

Digital Risk performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM or ATR Validation / Review of 8 Key Underwriting Factors – If applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. General QM for any loans originated under the GQM Rule. – If applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor
is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October 24,
2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised
March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed Loan Program, revised
March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;c. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;d. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;e. Validation through third party resource of the subject properties most recent twelve (12) month sales
history

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve the
loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;g. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;h. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;j. Review condominium questionnaire to verify all information is complete, prepared by an authorized representative,
and address any red flags that may deem condominium project ineligible

**Compliance Review – Closed End Second Loans**

Digital Risk performed a "Compliance Review" to the TRID 3.0 Compliance Scope to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID
Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by
TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the application
date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counseling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the correct Right of Rescission document was executed for the transaction
type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and originating firm's license status was active and properly
disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the
Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent
with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Digital Risk are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Digital Risk is relying in reaching such findings.

**(8) Other: review and methodology.**

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape, but Digital Risk captured it during the review. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;34 | &nbsp;&nbsp;60.71% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;Original FICO Score | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;8.93% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.36% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.57% |

---

**Summary of Results:**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;41 | &nbsp;&nbsp;$12523280.00 | &nbsp;&nbsp;73.21% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;15 | &nbsp;&nbsp;$3473203.00 | &nbsp;&nbsp;26.79% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;56 | &nbsp;&nbsp;$15996483.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;52 | &nbsp;&nbsp;$15444583.00 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;4 | &nbsp;&nbsp;$551900.00 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;56 | &nbsp;&nbsp;$15996483.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;44 | &nbsp;&nbsp;$12895180.00 | &nbsp;&nbsp;78.57% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;12 | &nbsp;&nbsp;$3101303.00 | &nbsp;&nbsp;21.43% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;56 | &nbsp;&nbsp;$15996483.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;44 | &nbsp;&nbsp;$13372163.00 | &nbsp;&nbsp;78.57% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade N/A | &nbsp;&nbsp;12 | &nbsp;&nbsp;$2624320.00 | &nbsp;&nbsp;21.43% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;56 | &nbsp;&nbsp;$15996483.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades – If applicable** | &nbsp;&nbsp;**Valuation Event Grades – If applicable** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades – If applicable** | &nbsp;&nbsp;**Valuation Event Grades – If applicable** |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;For newly originated second liens, valuation products are not required unless otherwise required per the seller guidelines. If secondary valuation product is not in the file and one is not ordered a value of N/A will be reflected. |

---

## Exhibit 99.39

**Exhibit 99.39**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 4807139 | 1 of 3 | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The borrower's printed name states "as trustee" but should state "as individual and as trustee." | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 4807139 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4807139 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4807145 | 1 of 5 | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4807145 | 2 of 5 | XXXX | XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second XXXX is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in XXXX (Regulation Z) 12 CFR 1026.43(e)(1)(ii) |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 4807145 | 3 of 5 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Appraisal Fee $XXXX, Mortgage Broker Fee $XXXX, and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 4807145 | 4 of 5 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4807145 | 5 of 5 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4807163 | 1 of 5 | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807163 | 2 of 5 | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR 1026.43(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4807163 | 3 of 5 | XXXX | XXXX | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: The Closing Disclosure was not received by the borrower prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We have this CD from XXXX/XXXX - that&#XXXX;s the only CD besides the one at DOCS<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The CD issued on XX/XX/XXXX has already been provided. Provide evidence the borrower received the CD issued on XX/XX/XXXX at closing of XX/XX/XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 4807163 | 4 of 5 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807163 | 5 of 5 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4833287 | 1 of 3 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: XXXX Fee $XXXX, XXXX Fee $XXXX, Processing Fee $XXXX, and Underwriting Fee $XXXX. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 4833287 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4833287 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4833289 | 1 of 5 | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR 1026.35(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4833289 | 2 of 5 | XXXX | XXXX | Compliance | QM - APR Lending Policy | XXXX | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi)). A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and the note amount for a second XXXX is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 4833289 | 3 of 5 | XXXX | XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division 1.94995(a)) Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4833289 | 4 of 5 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4833289 | 5 of 5 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4833290 | 1 of 7 | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4833290 | 2 of 7 | XXXX | XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second XXXX is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in XXXX (Regulation Z) 12 CFR 1026.43(e)(1)(ii) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4833290 | 3 of 7 | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division 1.94995(a)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4833290 | 4 of 7 | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4833290 | 5 of 7 | XXXX | XXXX | Credit | Income - Miscalculated/DTI Exceeds Tolerance | XXXX | Net rental loss of $XXXX was included in the liabilities. Rent loss was calculated incorrectly at origination. Based on XXXX% of the rental income amount of $XXXX the net rental loss was calculated as $XXXX. This resulted in the DTI increasing to XXXX% and exceeded the maximum allowed of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Client guidelines do not speak to calculating rental income and client defers to XXXX guides.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Recalcualtion of rental income using XXXX method results in DTI of XXXX% and within guidelines. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 4833290 | 6 of 7 | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | Borrower owns an investment property located on XXXX. Rental income of $XXXX monthly was used to offset the PITIA payment. Lease agreement supporting $XXXX rental income was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> rental income calculated off tax returns in file<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> DTI is XXXX% based upon rental income of $XXXX per month. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Lease not required per XXXX guidelines and tax returns used. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 4833290 | 7 of 7 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4833284 | 1 of 3 | XXXX | XXXX | Compliance | Rescission Test | XXXX | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), The funding date, XX/XX/XXXX, is before the third business day following consummation, XX/XX/XXXX. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §XXXX or §XXXX, or delivery of all material disclosures, whichever occurs last. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> loan disbursed on XX/XX/XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide evidence the loan funded on XX/XX/XXXX4. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 4833284 | 2 of 3 | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | Additional Finding: XX/XX/XXXX. The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the Funding document received on rebuttal. Truth in XXXX (Regulation Z)12 CFR 1026.38(a)(3)(iii) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 4833284 | 3 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447673 | 1 of 4 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Appraisal Fee $XXXX, Broker Fee $XXXX, Points $XXXX, and Underwriting Fee $XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447673 | 2 of 4 | XXXX | XXXX | Credit | Program Parameters - DTI | XXXX | The subject loan does not meet Investor Program Parameters for DTI. Maximum DTI is XXXX% and DTI is verified at XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please provide additional information or documents that support your calculations. We are coming up with XXXX% DTI<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached- Per the UW: Using base pay, averaging out bonus and using lowest of other income our DTI is less than XXXX%. I attached our income calc.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The difference according to the origination XXXX: The subject investment property was used to calculate the front end DTI as opposed to the primary residence. The payment difference between the larger primary mortgage payment and the smaller subject payment was $XXXX per month. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447673 | 3 of 4 | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Aged | XXXX | A VOE is required within XXXX Business Days of the Note Date. The VOB in file does not have the date it was verified listed on the print out. The file contains a print out from the business website dated XX/XX/XXXX which is aged more than XXXX days from the note date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 5447673 | 4 of 4 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447674 | 1 of 4 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Admin Fee $XXXX, XXXX $XXXX, Broker Fee $XXXX, Points $XXXX, Underwriting Fee $XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447674 | 2 of 4 | XXXX | XXXX | Credit | Program Parameters - DTI | XXXX | The subject loan does not meet Investor Program Parameters for DTI. Maximum DTI is XXXX% and DTI is verified at XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please provide additional information or calculations to the discrepancy. We are getting diff figures.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Client provided income worksheet, application and XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The primary mortgage housing expense was undercalculated. According to the XXXX the XXXX% DTI translated into a $XXXX primary housing expense. The actual primary housing expense was $XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Review of docs provided explains calculations and have recalculated DTI to XXXX%. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447674 | 3 of 4 | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Aged | XXXX | A VOE is required within XXXX Business Days of the Note Date. The VOB in file does not have the date it was verified listed on the print out. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received. (Resolved)<br>**  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 5447674 | 4 of 4 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447675 | 1 of 4 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Appraisal Fee $XXXX, Broker Fee $XXXX, Points $XXXX, and Underwriting Fee $XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447675 | 2 of 4 | XXXX | XXXX | Credit | Program Parameters - DTI | XXXX | The subject loan does not meet Investor Program Parameters for DTI. Maximum DTI is XXXX% and DTI is verified at XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please provide calc or addtl information on discrepancy. We are coming up with XXXX%<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Income worksheet, application and XXXX provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The primary residence housing expense was undercalculated at origination. Based upon the front end DTI of XXXX used at origination, the primary housing expense was $XXXX. The actual primary housing expense was $XXXX per month. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Review of income calcs, XXXX and XXXX...recalculation completed and DTI at XXXX%. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447675 | 3 of 4 | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Aged | XXXX | A VOE is required within XXXX Business Days of the Note Date. The VVOE in file is dated XX/XX/XXXX which is expired as of the Note date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447675 | 4 of 4 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447677 | 1 of 6 | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR 1026.35(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX The date used for rate set is XX/XX/XXXX. The loan is a compliant HPML. Appraisal and Prepayment requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447677 | 2 of 6 | XXXX | XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second XXXX is greater than or equal to ($XXXX), and its APR calculated per the requirements of XXXXCFR §XXXX(e)(XXXX)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in XXXX (Regulation Z) XXXX - CFR 1026.43(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447677 | 3 of 6 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is less than $XXXX but at least $XXXX, and the transaction's total points and fees is $XXXX, which exceeds $XXXX. The following fees were included in the testing: Loan Origination Fee $XXXX, Prepaid Interest $XXXX, Recording Service Fee $XXXX, Settlement or Closing Fee $XXXX and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447677 | 4 of 6 | XXXX | XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)). The loan exceeded the XXXX higher-priced mortgage loan test. The loan has an APR of XXXX%. The XXXX APR threshold is XXXX%. The loan is a compliant HPML. Appraisal and Prepayment requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447677 | 5 of 6 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447677 | 6 of 6 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447682 | 1 of 6 | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR 1026.35(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX The date used for rate set is XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447682 | 2 of 6 | XXXX | XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second XXXX is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in XXXX (Regulation Z) XXXX - CFR 1026.43(e)(1)(ii). |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447682 | 3 of 6 | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. Security Instrument page XXXX reflects a Revocable Trust Rider was applicable but the vested interest was not in the Trust. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447682 | 4 of 6 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower's name on the Security Instrument is inconsistent with the XXXX. Title reflects that current vested interest is in the name of XXXX and XXXX, Trustees of the XXXX Joint Revocable Trustdated XXXX, however the mortgage lists XXXX and XXXX, XXXX and Wife as Joint Tenants. A deed transferring ownership interest from XXXX and XXXX, Trustees of the XXXX dated XXXX to XXXX and XXXX, XXXX and Wife as Joint Tenants is required to confirm ownership interest in the new mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached XXXX and DOT vest in borrower&#XXXX;s names and not the trust.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447682 | 5 of 6 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447682 | 6 of 6 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447680 | 1 of 3 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Appraisal Fee $XXXX, XXXX Fee $XXXX, Broker Fee $XXXX, and Underwriting Fee $XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447680 | 2 of 3 | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. Appraisal provided is illegible. Please provided original appraisal. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached- XXXX appraisals revised report to correct % land use. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447680 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447663 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447663 | 2 of 2 | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Loan is a XXXX YR FIXED 2ND LIEN OO/2ND EQUITY ADVANTAGE. Guidelines do not require and appraisal if the loan and property meet all parameters. Loan Amount Details ≤$XXXXk XXXX. AVM with exterior property inspection with the following requirement: XXXX CLTV b. Minimum confidence score of XXXX% XXXX. Drive by appraisal XXXX. Full appraisal XXXX. Use prior appraisal (see requirements) >250k XXXX. Full interior appraisal (XXXX/XXXX/XXXX) XXXX. Use prior appraisal Please advise. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)<br>**  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447662 | 1 of 4 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Document Prep Fee $XXXX, Broker Fee $XXXX, and Underwriting Fee $XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447662 | 2 of 4 | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the decrease to lender credits was not accepted as valid. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required. Truth in XXXX (Regulation Z) 12 CFR 2016.19(e)(3)(i) & Official Comment 19(e)(3)(i)-XXXX, - XXXX; 12 CFR 1026.19(e)(3)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached- delivery cert XX/XX/XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documents not received. Please resubmit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The e-mail provided shows evidence the XXXX was sent to the borrower on XX/XX/XXXX. It also shows the XXXX review was sent on XX/XX/XXXX. This indicates the Lender as of XX/XX/XXXX of the change in the appraised value; however the decrease of the Lender Credit was not disclosed until the LE issued on XX/XX/XXXX and not within XXXX days of the change. A cost to cure in the amount of $XXXX, XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 5447662 | 3 of 4 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447662 | 4 of 4 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447666 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447666 | 2 of 3 | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The appraisal provided is illegible at review. Please provide original appraisal. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447666 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447681 | 1 of 5 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Document Preparation Fee $XXXX, Mortgage Broker Fee (Indirect) $XXXX, Points-Loan Discount Fee $XXXX, Underwriting Fee $XXXX, and XXXX Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447681 | 2 of 5 | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447681 | 3 of 5 | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | XXXX | The loan failed the charges that cannot increase test. Although the addition may be valid, because a COC was not provided, auditor is unable to determine if the CD issued on XX/XX/XXXX was disclosed within XXXX business days of the change. Therefore, the addition to the following fees was not accepted: Points. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached - The CD that was provided on XXXX supported the pts of $XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. A valid COC was not provided for the addition of the Points - Loan discount Fee on the CD issued on XX/XX/XXXX. A detailed COC as to why these fees increased is required. A cost to cure in the amount or $XXXX, XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447681 | 4 of 5 | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. Guidelines state a gap credit report or soft-pull is required if the note date is greater than XXXX days after the credit report date. The note date is XX/XX/XXXX and the credit report is more than XXXX days before this on XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See Credit Refresh<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447681 | 5 of 5 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447664 | 1 of 4 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: XXXX Fee $XXXX, Broker Fee $XXXX, Points $XXXX, and Underwriting Fee $XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5447664 | 2 of 4 | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee or fees where 'compensation to' does not reflect a XXXX on the revised CD: Third Party Processing Fee. |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 5447664 | 3 of 4 | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception for subject property over XXXX acres in a rural area. Guidelines state rural properties are ineligible and XXXX acres is the maximum. The subject is XXXX acres in a rural area per appraisal. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: qualifying FICO of XXXX, 0x30 on subject mortgage, and CLTV is more than XXXX% below maximum at XXXX%. | 2 | 2 | 2 | 2 |
| XXXX | 5447664 | 4 of 4 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5447676 | 1 of 6 | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR 1026.35(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447676 | 2 of 6 | XXXX | XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second XXXX is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth in XXXX (Regulation Z) 12 CFR 1026.43(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447676 | 3 of 6 | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fee increased on initial CD XX/XX/XXXX. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required. Truth in XXXX (Regulation Z) 12 CFR 2016.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Rescission period has ended. Please clear<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Updated ROR for the loan transaction was issued and the borrower has a new XXXX day rescission period. The exception cannot be resolved until the rescession period ends. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The re-opened rescission expired clearing the exception. (Resolved)<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 5447676 | 4 of 6 | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 5447676 | 5 of 6 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447676 | 6 of 6 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447667 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447667 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447667 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447678 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447678 | 2 of 2 | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. According to the XXXX, we will see a full appraisal in addition to an AVM or CDA in the file. Only AVM and PCI reports were provided at review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see UW response for this loan type. Loan meets parameters for limited appraisal products as specified.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> per guidelines appraisal and CDA is not required. see attached for AVM score allowed XXXX%<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Please see attached 2nd lien exception addendum that was added to our guidelines last year. Please incorporate them into our 2nd XXXX guidelines that are being reviewed.<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Updated guidelines provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The AVM confidence score is XXXX%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The AVM matrix is conflicting. We can see that an FSD score of .XXXX or less is acceptable for a XXXX AVM. The AVM Vendor score of XXXX% is also a requirement, which this AVM does not meet. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Updated guidelines from 10.15.24 provided and Confidence score meets guideline requirements. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447668 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5447668 | 2 of 2 | XXXX | XXXX | Credit | HELOC - Closure Letter | XXXX | Loan file does not contain evidence to verify HELOC Closure as required. The payoff and evidence of closure for XXXX XXXX is required and missing from the loan file to verify XXXX position requirements have been met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5913397 | 1 of 4 | XXXX | XXXX | Compliance | Note - Incomplete / Inaccurate | XXXX | The following section of the Note is inaccurate: The Member of the Entity is a Trust but the Signature Line on the Note does not reflect the Individual is signing as the Trustee of the Trust. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Loan is not trust. It is vested in the borrower&#XXXX;s LLC.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Client in process of providing corrected document as well as Cert of Trust. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5913397 | 2 of 4 | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Member of the Entity is a Trust but the Signature Line on the Security Instrument and applicable Rider do not reflect the Individual is signing as the Trustee of the Trust. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The entity is a business and is not a trust.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Client in process of providing corrected document as well as Cert of Trust. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5913397 | 3 of 4 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5913397 | 4 of 4 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5471173 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471173 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942972 | 1 of 3 | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | XXXX | The loan failed the charges that cannot increase test. Although the addition may be valid, because a COC was not provided, auditor is unable to determine if the revised CD issued on XX/XX/XXXX was disclosed within XXXX business days of the change. Therefore, the addition to the following fees was not accepted: Points. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX was required in which $XXXX was reimbursed at closing. There is a remaining cost to cure in the amount of $XXXX required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> COC for Rate Lock Update<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5942972 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5942972 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5913388 | 1 of 6 | XXXX | XXXX | Compliance | Note - Incomplete / Inaccurate | XXXX | The following section of the Note is inaccurate: Page XXXX of XXXX was not executed as individual and as Trustee. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See Trust Cert that matches XXXX. All documents in this loan shows vesting in a Trust.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. A loan vested in a trust with a individual who is qualifying as a borrower is required to have the borrower sign the note as an individual as well as a qualifying member of the trust. Please provide an updated, executed Note for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5913388 | 2 of 6 | XXXX | XXXX | Compliance | Note - Trust Not Executed | XXXX | Title to the Property is held in a Trust, but the Trust Document is not properly executed. Unable to determine if signatures on Note are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PLEASE VIEW ALL SIGNATURES XXXX THE FILE. ALL WERE COMPLETED BY THE BORROWER AS VERIFIED BY TITLE<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The certificate of trust provided has not been executed. Per XXXX Probate Code XXXX.: (a) The trustee may present a certification of trust to any person in lieu of providing a copy of the trust instrument to establish the existence or terms of the trust. A certification of trust may be executed by the trustee voluntarily or at the request of the person with whom the trustee is dealing. Please provide a signed certificate of trust for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5913388 | 3 of 6 | XXXX | XXXX | Compliance | Security Instrument - Trust Not Executed | XXXX | Title to the Property is held in a Trust, but the Trust Document is not properly executed. Unable to determine if signatures on the Security Instrument are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> THIS IS A DUPLICATE CONDITION. PLEASE REVIEW ALL UPLOADED DOCUMENTATION.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The certificate of trust provided has not been executed. Per XXXX Probate Code XXXX.: (a) The trustee may present a certification of trust to any person in lieu of providing a copy of the trust instrument to establish the existence or terms of the trust. A certification of trust may be executed by the trustee voluntarily or at the request of the person with whom the trustee is dealing. Please provide a signed certificate of trust for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5913388 | 4 of 6 | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan closed in the name of a Trust; however the loan file did not contain Trust documentation as required per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5913388 | 5 of 6 | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file documented the borrower was purchasing a new primary; however the PITIA for the new mortgage loan secured by the new primary was not documented in the loan file as required per the Loan Approval and guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5913388 | 6 of 6 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5913396 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913396 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913396 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942964 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942964 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942964 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913391 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913391 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913391 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913385 | 1 of 5 | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR 1026.35(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX The loan is a compliant HPML. Prepayment and appraisal requirements have been met. | Resolved |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913385 | 2 of 5 | XXXX | XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second XXXX is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth in XXXX (Regulation Z) 12 CFR 1026.43(e)(1)(ii) | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Non-QQ loan<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding voided. Loan is Non-Qm. (Void)<br>**  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913385 | 3 of 5 | XXXX | XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)) Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX The loan is a compliant HPML. Prepayment and appraisal requirements have been met. | Resolved |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913385 | 4 of 5 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913385 | 5 of 5 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942967 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942967 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942967 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942971 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942971 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913394 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913394 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913394 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913392 | 1 of 3 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: XXXX) $XXXX and Points $XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3) | Void |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding voided.<br>**  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913392 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913392 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942965 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942965 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942965 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913387 | 1 of 3 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Appraisal Fee $XXXX, XXXX Fee $XXXX, Broker Fee $XXXX, and Underwriting Fee $XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3) | Void |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding voided<br>**  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913387 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913387 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 6003881 | 1 of 3 | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | XXXX | The loan failed the charges that cannot increase test. Although the addition may be valid, because a COC was not provided, auditor is unable to determine if the revised CD issued on XX/XX/XXXX was disclosed within XXXX business days of the change. Therefore, the addition to the following fees was not accepted: Points. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 6003881 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 6003881 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5913395 | 1 of 5 | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR 1026.35(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX The loan is a compliant HPML. Prepayment and appraisal requirements have been met. | Resolved |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913395 | 2 of 5 | XXXX | XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second XXXX is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth in XXXX (Regulation Z) 12 CFR 1026.43(e)(1)(ii) | Void |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding voided<br>**  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913395 | 3 of 5 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: XXXX) $XXXX, Points $XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3) | Void |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding voided<br>**  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913395 | 4 of 5 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913395 | 5 of 5 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942969 | 1 of 8 | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X)12 CFR 1024.20(a) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 5942969 | 2 of 8 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The vested interest on the Security Instrument cannot be verified as accurate due to Title Commitment is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 5942969 | 3 of 8 | XXXX | XXXX | Compliance | Security Instrument - Trust Missing | XXXX | Title to the Property is held in a Trust, but the Trust Document is missing. Unable to determine if signatures on the Security Instrument are accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 5942969 | 4 of 8 | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions and/or increases: Closing Protection Letter Fee $XXXX, Lender's Title Insurance Policy $XXXX, XXXX Fee $XXXX, Releases Recording $XXXX, Settlement Closing Fee $XXXX, Recording Fee $XXXX. The violation may be cured if documentation is provided showing the disclosure was delivered timely. A cost to cure in the amount of $XXXX. is required. Truth in XXXX (Regulation Z)12 CFR 2016.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv) . | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 5942969 | 5 of 8 | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects "Tbd" under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX, 3rd Party Processing Fee. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 5942969 | 6 of 8 | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX could not be determined if it was disclosed within XXXX days of the application date, due to no application date in the loan file. Truth in XXXX (Regulation Z)12 CFR 1026.19(e)(1)(iii)(A) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 5942969 | 7 of 8 | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions and/or increases: Document Preparation Fee $XXXX, Underwriting Fee $XXXX, AVM Fee $XXXX, Processing Fee - Third Party Verification Fees $XXXX. The violation may be cured if documentation is provided showing the disclosure was delivered timely. A cost to cure in the amount of $XXXX is required. Truth in XXXX (Regulation Z)12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 5942969 | 8 of 8 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5913386 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913386 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942975 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942975 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942975 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 6103322 | 1 of 6 | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR 1026.35(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 6103322 | 2 of 6 | XXXX | XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second XXXX is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%; The date used for rate set is XX/XX/XXXX. Truth in XXXX (Regulation Z) 12 CFR 1026.43(e)(1)(ii). | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please note the rate set date was XXXX/XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> All 2nds are Non-QM- QM findings do not apply. This file is a XXXX month bank stmt loan. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is not sufficient to clear the finding. The rate lock date has been updated to XX/XX/XXXX.; updated testing still results in a QM APR tolerance fail. XXXX has an APR of XXXX%. The APR threshold to qualify for a safe harbor is10.XXXX%. The APR exceeds the threshold by XXXX%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> the loan is a closed-end Second Mortgage, loan is Non-QM. (Void)<br>**  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 6103322 | 3 of 6 | XXXX | XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 6103322 | 4 of 6 | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt by the non-borrowing title holder, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by XXXX 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. (12 CFR §1026.19(f)(1)(ii)). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 1 | 1 |
| XXXX | 6103322 | 5 of 6 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 6103322 | 6 of 6 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942974 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942974 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942974 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942970 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942970 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942970 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5942968 | 1 of 5 | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR 1026.35(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5942968 | 2 of 5 | XXXX | XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5942968 | 3 of 5 | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Closing Date | XXXX | The PCCD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument, XX/XX/XXXX. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(ii) |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 5942968 | 4 of 5 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5942968 | 5 of 5 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5942966 | 1 of 2 | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded:The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Document Preparation $XXXX, Loan Origination Fee $XXXX, Points- Loan Discount Fee $XXXX, and Underwriting Fee $XXXX; Truth In Lending Act (Regulation Z)12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per our current matrix we do not require the points and fees test to be run on the NonQM seconds when using an AVM any longer<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Lender advises loan was originated as Non-QM.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> QM testing is performed according to Federal requirements not a guideline requirement. Please provide evidence if the loan was originated as a Non-Qm loan. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The rate lock and review form have been provided and do identify the loan as a bank statement program; however the document do not identify the loan was originated as a Non-Qm loan. Please provide evidence the loan was originated as a Non-QM loan. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Lender advised originated as Non-QM. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5942966 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 6003869 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 6003869 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 6003869 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 6003872 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider(s)/Legal Addendum(s) are missing: The XXXX-XXXX Family Rider is missing page XXXX of XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The referenced documentation was not received. Please provide for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 6003872 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 6003872 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 6003879 | 1 of 3 | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required. Truth in XXXX (Regulation Z) 12 CFR 2016.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the amounts are the same on the final seetlement.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See copy of check to borrower for cure. See docs for cure sent to borrower.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> See attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> If fees have decreased, Please provide an PCCD LOE and PCCD disclosing the final fees for review. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding.The Updated ROR for the loan transaction on was issued and the borrower hasuntil midnight on XX/XX/XXXX to rescind. The exception can not be resolveduntil the recession period ends. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> There-opened rescission expired at midnight on XX/XX/XXXX clearing the exception.(Resolved)<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 6003879 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 6003879 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447670 | 1 of 4 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447670 | 2 of 4 | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file does not contain documentation supporting the monthly payment amount of the XXXX on XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 5447670 | 3 of 4 | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV of XXXX% does not meet the program eligibility guidelines of XXXX% on a XXXX unit non-owner occupied subject property. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached exception<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> This is on XXXX with XXXX. already approved this bid.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Referenced documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. $XXXX per month residual income. | 3 | 2 | 3 | 2 |
| XXXX | 5447670 | 4 of 4 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447669 | 1 of 5 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447669 | 2 of 5 | XXXX | XXXX | Credit | Program Parameters - Loan Amount | XXXX | The loan amount does not meet the minimum allowable under the guidelines. Minimum loan amount is $XXXX per the matrix and the loan amount is verified at $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Client request to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - Owned business XXXX years, Residual income of $XXXX, XXXX and no derogatory credit ever. | 3 | 2 | 3 | 2 |
| XXXX | 5447669 | 3 of 5 | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. Guidelines state a gap credit report is required if the note date is greater than XXXX days after the date of the credit report on file. The credit report date is XX/XX/XXXX which is more than XXXX days from the note date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Gap report provided. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 5447669 | 4 of 5 | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Aged | XXXX | A VVOE is required within XXXX Business Days of the Note Date. The VVOE in file is dated XX/XX/XXXX which is expired as of the Note date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> VVOE provided. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 5447669 | 5 of 5 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 6103328 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 6103328 | 2 of 2 | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. Email and approval reflect a full appraisal was required at origination. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5447679 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447679 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447679 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5913390 | 1 of 5 | XXXX | XXXX | Compliance | ROR - Timing | XXXX | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date of XX/XX/XXXX is before the third business day following consummation XX/XX/XXXX. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §XXXX or §XXXX, or delivery of all material disclosures, whichever occurs last. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 5913390 | 2 of 5 | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The XXXX date of XX/XX/XXXX does not match the borrower's signature date of XX/XX/XXXX. Although the borrower's signature date was initialed, no correction was made. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 5913390 | 3 of 5 | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test.A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fee was not accepted: Recording Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund.A cost to cure in the amount of $XXXX is required. Truth in XXXX (Regulation Z)12 CFR 2016.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 5913390 | 4 of 5 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5913390 | 5 of 5 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5942973 | 1 of 3 | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR 1026.35(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX% , the loan is a higher-priced mortgage loan, as defined in XXXX The loan is a compliant HPML. Prepayment requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5942973 | 2 of 3 | XXXX | XXXX | Compliance | NMLS | XXXX | The Loan consummated on XX/XX/XXXX but the Loan Originator listed on the CD, Note, and Mortgage was not authorize to represent the Lender as of XX/XX/XXXX per the NMLS website. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The updated Note and Mortgage provided disclose a new name for the originator; however, the NMLS XXXX disclosed does not match the name of the Originator. A correct Note, Mortgage and CD with a licensed originator and correct NMLS number are required for review.(Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 5942973 | 3 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5913389 | 1 of 3 | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Points. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required. Truth in XXXX (Regulation Z)12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The lock was updated and added to the points<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 5913389 | 2 of 3 | XXXX | XXXX | Credit | Program Parameters - Credit Score | XXXX | The borrower's credit XXXX is below the minimum allowable per guidelines of XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached matrix- closed end 2nd allows down to XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The CLTV is XXXX%. XXXX is only allowed for CLTV up to XXXX%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX% DTI. $XXXX per month residual income. | 3 | 2 | 3 | 2 |
| XXXX | 5913389 | 3 of 3 | XXXX | XXXX | Credit | Verification Documentation - VOE/Missing | XXXX | A VOE is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 2 |

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## Exhibit 99.40

**Exhibit 99.40**

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** | **Initial Property Valuation Grade (Moody's)** | **Final Property Valuation Grade (Moody's)** | **Initial Property Valuation Grade (S&P)** | **Final Property Valuation Grade (S&P)** | **Initial Property Valuation Grade (Fitch)** | **Final Property Valuation Grade (Fitch)** | **Initial Property Valuation Grade (DBRS Morningstar)** | **Final Property Valuation Grade (DBRS Morningstar)** | **Initial Property Valuation Grade (KBRA)** | **Final Property Valuation Grade (KBRA)** |
| XXXX | 4833284 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C |
| XXXX | 5913385 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 6003869 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5942964 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5913387 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5913388 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 5913390 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 5447662 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 5942966 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C |
| XXXX | 5447664 | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 6103322 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5447666 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 5913392 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5447673 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 5447674 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 5447676 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 5447677 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5447678 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 5942967 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5447679 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5942968 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 5447680 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 5942969 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B |
| XXXX | 5942965 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5942970 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5942972 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 5942971 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5447681 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 5942973 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C |
| XXXX | 6003879 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 5942974 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5447682 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 5942975 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 6003881 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 4833289 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 5913386 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5913389 | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C |
| XXXX | 5447663 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 6003872 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 5913391 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471173 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5447667 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5447668 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 5447670 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 5447669 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 5447675 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 6103328 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| XXXX | 5913394 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5913395 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5913396 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5913397 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 4807139 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 4807145 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 4833287 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 4833290 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A | A B C | A | A B C | A | A B C | A | A B C | A | A B |
| XXXX | 4807163 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |

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## Exhibit 99.41

**Exhibit 99.41**

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| | |
|:---|:---|
| **Loan Count:** | 56.0 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 4807139 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4833287 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4833289 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4833290 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4833284 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4833284 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 5447675 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5447682 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5447680 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5447663 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5447663 | XXXX | Original FICO Score | XXXX | XXXX |
| XXXX | XXXX | 5447662 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5447662 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 5447666 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5447664 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5447676 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5447667 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5447678 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5913397 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5942972 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5913388 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5913396 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5913396 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 5942964 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5942964 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 5913385 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 5942967 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5942967 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 5942971 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 5942971 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5942971 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 5913387 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5913395 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5942969 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5942969 | XXXX | Original FICO Score | XXXX | XXXX |
| XXXX | XXXX | 5942975 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 6103322 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 5942970 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5942968 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5942966 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 6003872 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 6003879 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5447670 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5447670 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 5447670 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 6103328 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 5942973 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5913389 | XXXX | CLTV | XXXX | XXXX |

---

## Exhibit 99.42

**Exhibit 99.42**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 4807139 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4807145 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4807163 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4833287 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 4833290 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4833289 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4833284 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5447666 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 5447674 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5447662 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 5447675 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.659% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5447680 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5447673 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5447682 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5447677 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5447663 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.9 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5447670 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5447678 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.88 | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5447664 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 5447667 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 5447676 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 5447669 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 2055 (Exterior Only) | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5447668 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5447679 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.720% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 5447681 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471173 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5942973 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5913397 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5913388 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5913390 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5913389 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.9 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5913396 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5913392 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 5913395 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 5913386 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.96 | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5942972 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5913391 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5913394 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5913385 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5913387 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.207% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5942970 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5942967 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5942965 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 5942968 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5942971 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5942969 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5942966 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5942975 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5942964 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 6003879 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 6103322 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5942974 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.860% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 6003881 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 6003869 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 6003872 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 6103328 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.43

**Exhibit 99.43**

![](ex99-44_001.jpg)

**EXECUTIVE SUMMARY**

**DRMT 2026-CES1**

**By Clarifii LLC on April 13, 2026**

DRMT 2026-CES1 Due Diligence Narrative Report – PagE \| 1

![](ex99-44_001.jpg)

**CLARIFII CONTACT INFORMATION**

---

| | |
|:---|:---|
| **Christine Aug** | **Jason Luttenberger** |
| &nbsp;&nbsp;&nbsp;&nbsp;Vice President of Due Diligence | &nbsp;&nbsp;&nbsp;&nbsp;President and Chief Operating Officer |
| &nbsp;&nbsp;&nbsp;&nbsp;Phone: 813.735.4487 | &nbsp;&nbsp;&nbsp;&nbsp;Phone: 917.742.7797 |
| &nbsp;&nbsp;&nbsp;&nbsp;E-mail: Christine.Aug@Clarifii.com | &nbsp;&nbsp;&nbsp;&nbsp;E-mail: Jason.Luttenberger@Clarifii.com |

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 42 loans (the "Loans") and these loans were subsequently acquired by Deephaven Residential Mortgage Trust 2026-CES1 (the "Client") for the DRMT 2026-CES1 transaction. The loans referenced in this narrative report were reviewed 03/2025 through 01/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **% of Pool** | **Original Balance** |
| Retail | 1 | 2.38% | $300000.00 |
| Correspondent Flow with Delegated UW | 1 | 2.38% | $78000.00 |
| Wholesale | 40 | 95.24% | $9610732.00 |
| **Total** | **42** | **100.00%** | **$9988732.00** |

---

The Review consisted of a population of 42 loans, with an aggregate principal balance of $9,988,732.00.

**CLARIFII'S THIRD PARTY REVIEW (TPR) SCOPE OF WORK**

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

**LOAN SAMPLING**

The Client defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the transaction loan population.

DRMT 2026-CES1 Due Diligence Narrative Report – PagE \| 2

![](ex99-44_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| DBRS, Inc. | Third-Party Due Diligence Criteria for U.S. RMBS Transactions, <br> September 30, 2024 |

---

**DATA INTEGRITY**

Clarifii performed a data comparison review of the data fields provided by the Client on the loan tape to the data found in the Loan file as captured by Clarifii. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |

---

DRMT 2026-CES1 Due Diligence Narrative Report – PagE \| 3

![](ex99-44_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Date Last Rate Was Set |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Final Reviewed QM Status |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |

---

DRMT 2026-CES1 Due Diligence Narrative Report – PagE \| 4

![](ex99-44_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

Clarifii reviewed each Loan file to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria, or other requirements provided by Client, including, as applicable, Ability to Repay and Qualified Mortgage requirements. The Credit Qualification review consisted of the following:

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan Attributes** 

To determine borrower program eligibility, Clarifii verified the following loan attributes and, where applicable, recalculated based on the information provided:

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

- Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV)

- Monthly Debt

DRMT 2026-CES1 Due Diligence Narrative Report – PagE \| 5

![](ex99-44_001.jpg)

- Occupancy

- Property Type

- Qualifying principal, interest, tax, insurance, and association dues (PITIA)

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit Application** 

Clarifii verified the following items per the Uniform Residential Loan Application Form 1003 (1003):

- All known borrower-owned properties are disclosed on the Real Estate Owned (REO) Section 2

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit History** 

Clarifii verified the following items:

- A credit report or alternative credit history as applicable to loan type is present for each borrower

- Bankruptcy and foreclosure seasoning

- Captured the monthly consumer debt payments for use in the applicable DTI calculation

- Installment and revolving payment history

- Mortgage/Rental payment history

- Verified and reviewed Real Estate Owned, Office of Foreign Assets Control (OFAC) search, and Fraud Alerts

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

&nbsp;&nbsp;&nbsp;&nbsp;· **Employment and Income** 

When applicable, Clarifii determined whether all supporting documentation as required by the guidelines and Ability to Repay/Qualified Mortgage Rule (ATR/QM) were complete and accurate. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with the guidelines. Documentation verified employment and income were deemed acceptable if it was a third-party document as required by the guidelines and ATR when applicable and may include:

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

DRMT 2026-CES1 Due Diligence Narrative Report – PagE \| 6

![](ex99-44_001.jpg)

- Award letters

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;· **Fraud Review** 

For all Loans, Clarifii utilized the results from an independent, third-party fraud tool as well as information in the loan file to identify and address any potential misrepresentations including:

- Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower name variations

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject property ownership history

- Employment

- Licensing verification with the Nationwide Multistate Licensing System & Registry (NMLS):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan officer

OFAC

&nbsp;&nbsp;&nbsp;&nbsp;· **Asset Review** 

Clarifii assessed whether the asset documentation required by the guidelines and ATR, when applicable, was present in the Loan file and within required timeframe. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

- Other evidence of conveyance and transfer of funds if a sale of assets was involved

- Other documentation in loan file

- Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance and Taxes** 

Clarifii confirmed the presence of the insurance and tax information for the following:

- Confirmed that the flood certification is for the correct borrower, property, lender, and loan number and is a "Life of Loan" certification

- Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns"

Confirmed that the premium amount on both the hazard and flood insurance match figures from the DTI calculations

For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines

For properties in a flood zone, per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines

- Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and taxes are current

DRMT 2026-CES1 Due Diligence Narrative Report – PagE \| 7

![](ex99-44_001.jpg)

Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;· **Debt Service Coverage Ratio (DSCR)** 

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

Summed principal and interest or interest payment, along with taxes, insurance and HOA payments to arrive at monthly property expense. This summed amount is used as the denominator to the monthly lease or estimated lease income, as required by guidelines

**DOCUMENT REVIEW**

Clarifii reviewed each Loan file and verified if the following documents were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final 1003 Application** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage/Deed of Trust** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Appraisal** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Sales Contract** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Title Commitment/Policy** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Junior Lien/Subordination Agreement** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage Insurance** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Flood Certification** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final Loan Estimate (LE)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final and Closing Disclosure (CD)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**COMPLIANCE REVIEW**

Clarifii reviewed each Loan file, when applicable, and verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Compliance verification and validation that each mortgage loan met the relevant provisions of:

**Anti-** **Predatory Lending Requirements**, that are imposed by federal, state and/or local statutory, regulatory, or authoritative determinations (e.g., state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including the Home Ownership and Equity Protection Act (HOEPA) and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in the Truth in Lending Act (TILA).

**Truth in Lending Act (TILA)**, as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026

DRMT 2026-CES1 Due Diligence Narrative Report – PagE \| 8

![](ex99-44_001.jpg)

**Real Estate Settlement Procedures Act (RESPA)**, 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024

**Equal Credit Opportunity Act (ECOA)**, 15 U.S.C. §1691, as implemented by Regulation B, 12 C.F.R. §1001.1(b)

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Documentation Requirements** 

Clarifii reviewed the following documents as they related to regulatory compliance:

- Initial and final application (1003)

- Note, including all addendums

- Copy of note for any junior liens (if applicable)

- Mortgage / Deed of Trust, including all riders

- Initial, Interim, and Final Loan Estimates (LE)

- Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;· **Anti-Predatory Lending (Assignee Liability)** 

Loans were reviewed for violations of federal, state & local high cost, higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any loan that is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition was reported.

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements:

**TILA/RESPA Integrated Disclosure Testing (TRID)**

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019).

**Right of Rescission** 

Reviewed the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensured proper execution of the Notice of Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

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**Qualified Mortgage and Ability to Repay**

Reviewed to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43.

**Real Estate Settlement Procedures Act (RESPA)/Regulation X**

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

**Equal Credit Opportunity Act (ECOA)/Regulation B**

Confirmed compliance with the January 18, 2014, requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals was met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

**Fair Credit Reporting Act (FRCA)/Regulation V**

Confirmed compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

**Miscellaneous Compliance Testing**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***Mandatory Arbitration*** – Clarifii reported mandatory arbitration provisions present in
the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***Single Premium Credit Insurance*** – Clarifii reported single premium credit insurance policies
or debt cancellation agreements present in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***State prepayment and late charge restrictions*** – Clarifii reported instances where a prepayment
penalty that exceeds the state permitted penalty has expired.

&nbsp;&nbsp;&nbsp;&nbsp;· **State and Local Anti-Predatory Requirements** 

The following is an itemization of the current and historical state and local anti-predatory lending requirements, considered customary in secondary market due diligence compliance testing and reviewed by Clarifii:

- Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

- California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

- California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq.

- Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

- Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008).

- Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

- District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

- Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

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- Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

- Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

- Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

- Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

- Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

- City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

- Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).

- Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

- Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

- Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat. § 360.100 et seq.

- Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

- Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

- Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

- Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183I.

- Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

- Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

- Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

- Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

- Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

- Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

- Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

- Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. § 598D.010 et seq.

- New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

- New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. § 58-21A-1 et seq.

- New York High-Cost Home Loan Regulations (1A – Original Part 41), 3 NYCCR Part 41 (2001).

- New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

- New York Subprime Home Loans, NY Bank. Law § 6-m.

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- North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1I(a); 24-10.2(a) as amended.

- Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. § 1.63.

- Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

- City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

- Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq.

- Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

- Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

- Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

- City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

- Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

- South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

- South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

- Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

- Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

- The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

- Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

- Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

- Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

- Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

- Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

- Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

- West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

- Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

- Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify reflects correct address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify application address is different from
subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify executed by all borrowers

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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- Occupancy Letter (must state that borrower(s) will not reside in the property

- HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

- If property is in a flood zone, Flood Notice must be provided prior to closing

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Clarifii reviewed the loan to determine whether, based on available information in the loan file, (i) the loan contained risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency, as permitted under the QM final rule, Clarifii reviewed the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviewed the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Clarifii then determined whether the loan was a Safe Harbor QM or Rebuttable Presumption QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

**ABILITY TO REPAY (ATR)**

Clarifii reviewed the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focused on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

*Note: for loans designated as QM – Agency eligible (QM – Temporary), Clarifii did not review for compliance with the requirements of Appendix Q or General Ability to Repay.*

 

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Clarifii reviewed loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a loan.

Clarifii's review was based on information contained in the loan file at the time it was provided for review.

All loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable

**VALUATION REVIEW**

Clarifii reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, comparable sales, completeness of data and eligibility of the appraiser, compared to underwriting guidelines, variances, and tolerances. Clarifii determined that the appraised value appeared to be supported, based on the valuation provided by the Independent Third-party Review.

&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** <br> Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

Clarifii applied a cascade methodology to the population to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

&nbsp;&nbsp;&nbsp;&nbsp;· If the AVM (Automated Valuation Model) supported the origination appraised
value within -10% variance, no additional products were required.

&nbsp;&nbsp;&nbsp;&nbsp;· If the Desk Review supported the origination appraised value
within a -10% variance, no additional products were required.

&nbsp;&nbsp;&nbsp;&nbsp;· In the event the Desk Review process yielded material exceptions
or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value,
unless guidelines allowed for the use of the lower Desk Review value for purpose of LTV/CLTV/HCLTV.

**Uniform Collateral Data Portal (UCDP) Risk Score:**

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with a Fannie Mae Collateral Underwriter Score (CU),
if an CU Score was available and the CU Score was greater than 2.5, a Desk Review was either reviewed in the loan file or ordered by
Clarifii. If the CU Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk
Score.

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**VALUATION RESULTS SUMMARY**

The two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No<br> Hit** | &nbsp;&nbsp;**# of Files > -10% Variance<br> to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -<br> 10% of OA or Acceptable<br> UCDP Risk Score\*** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;No Secondary Valuation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |

---

**DUE DILIGENCE GRADING CRITERIA** 

Upon completion of the loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The National Recognized Statistical Rating Organizations (NRSRO) criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Asset-Backed Securities Form ABS Due Diligence-15E.

**Final Event Grade**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan materially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and materially meets published guidelines. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

**Credit Event Grade**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan materially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

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**C** The loan does not materially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets, or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable.

**D** There was not sufficient documentation to perform a review, or the credit file was not furnished.

**Valuation Event Grade**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used Government-Sponsored Enterprise (GSE) approved forms. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**Compliance Event Grade** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan is compliant with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are missing, or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

**CLARIFII DUE DILIGENCE RESULTS**

Below are the final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

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**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **DBRS Overall Review Results** | **DBRS Overall Review Results** | **DBRS Overall Review Results** |
| **Overall** | **Loan Count** | **% of Sample** |
| A | 37 | 88.10% |
| B | 5 | 11.90% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **42** | **100.00%** |

---

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| **DBRS Final Credit Grade Summary** | **DBRS Final Credit Grade Summary** | **DBRS Final Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 39 | 92.86% |
| B | 3 | 7.14% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **42** | **100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **DBRS Final Property Grade Summary** | **DBRS Final Property Grade Summary** | **DBRS Final Property Grade Summary** |
| **Property** | **Loan Count** | **% of Sample** |
| A | 40 | 95.24% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| NA | 2 | 4.76% |
| **Total** | **42** | **100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **DBRS Final Compliance Grade Summary** | **DBRS Final Compliance Grade Summary** | **DBRS Final Compliance Grade Summary** |
| **Compliance** | **Loan Count** | **% of Sample** |
| A | 40 | 95.24% |
| B | 2 | 4.76% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **42** | **100.00%** |

---

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**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$9988732.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**42** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9988732.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;35 | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;$8341455.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;7 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$1647277.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**42** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9988732.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$9988732.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**42** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9988732.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$9988732.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**42** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9988732.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$9988732.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**42** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9988732.00** |

---

**DATA COMPARE RESULTS**

Clarifii provided Client with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the loan review.

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

DRMT 2026-CES1 Due Diligence Narrative Report – PagE \| 18

![](ex99-44_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;39 | &nbsp;&nbsp;92.31% |

---

DRMT 2026-CES1 Due Diligence Narrative Report – PagE \| 19

![](ex99-44_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;19 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;Date Last Rate Was Set | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;5 | &nbsp;&nbsp;20 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;42 | &nbsp;&nbsp;97.62% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;42 | &nbsp;&nbsp;95.24% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;19 | &nbsp;&nbsp;26.32% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;22 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;41 | &nbsp;&nbsp;95.12% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;42 | &nbsp;&nbsp;97.62% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;42 | &nbsp;&nbsp;97.62% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;22 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;1 | &nbsp;&nbsp;42 | &nbsp;&nbsp;97.62% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;42 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;42 | &nbsp;&nbsp;97.62% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;39 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;97.56% |

---

DRMT 2026-CES1 Due Diligence Narrative Report – PagE \| 20

![](ex99-44_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;41 | &nbsp;&nbsp;95.12% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;6 | &nbsp;&nbsp;41 | &nbsp;&nbsp;85.37% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;20 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report/Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating Agency Grade Detail and Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR or QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Business Purpose Supplement Extract Report

**Disclaimer**

*Clarifii LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).*

 

*Please be advised that Clarifii has not determined whether the Loans comply with federal, state, or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clarifii's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clarifii's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. The findings reached by Clarifii are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.*

 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared, and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.*

 

 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.*

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2026 Clarifii LLC. All rights reserved.

DRMT 2026-CES1 Due Diligence Narrative Report – PagE \| 21

## Exhibit 99.44

**Exhibit 99.44**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 746922 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  | 0.0 | 0 | 5000.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 19.0 | 1 | 1 | N/A | 48.9 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 763336 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 3990 | 3900 | Appraisal - 1007 |  | N/A |  |  | 3990 | Actual In Place Rent | No | 88.9 | 0.0 | 0 | 3547.11 | 3990 | 12-14-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3990 |  |  |  |  |  |  |  | No | 4.5 | 1 | 1 | N/A | 15.94 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 764878 | XXXX | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  | 0.0 | 0 | 3451.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 4.9 | 1 | 1 | N/A | 26.72 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 769268 | XXXX | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | Yes | 3999 | 3995 | Appraisal - 1007 |  | N/A |  |  | 3995 | Appraisal - 1007 | No | 95.4 | 0.78 | 0 | 3811.05 | 3999 | 08-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3995 |  |  |  |  |  |  |  | No | 5.7 | 1 | 1 | N/A | 37.67 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 810838 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 12965 | Appraisal - 1007 |  | N/A |  |  | 12965 | Appraisal - 1007 | No | 75.14 | 0.0 | 0 | 9741.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 12965 |  |  |  |  |  |  |  | No | 7.5 | 1 | 1 | N/A | 0 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 843252 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 3770 | 4000 | Appraisal - 1007 |  | N/A |  |  | 3770 | Actual In Place Rent | No | 133.34 | 0.74 | 0 | 5026.83 | 3770 | 02-02-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3770 |  |  |  |  |  |  |  | No | 10.1 | 1 | 1 | N/A | 3.36 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 864352 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 5000 | 5070 | Appraisal - 1007 |  | N/A |  |  | 5000 | Actual In Place Rent | No | 88.87 | 0.96 | 0 | 4443.68 | 5000 | 01-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5000 |  |  |  |  |  |  |  | No | 5.5 | 1 | 1 | N/A | 45.91 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.45

**Exhibit 99.45**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 564519 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 564519 | XXXX | XXXX | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 17.24 | 17.86 | loan amount/appraisal value |
| 564519 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 564519 | XXXX | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 49.43 | 51.20 | loan amount/appraisal value |
| 564519 | XXXX | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| 624488 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Tape Data used PITIA payment for 1st mortgage vs PI, counting escrows 2X. |
| 763314 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 763336 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| 764878 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 769268 | XXXX | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | per 1008 wage earner |
| 769268 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.78 | not dscr loan |
| 769268 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Audit calculated income lower than lenders |
| 771439 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 771831 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 771831 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per title and appraisal |
| 771832 | XXXX | XXXX | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per note |
| 771832 | XXXX | XXXX | XXXX | XXXX | Term | notePage | 360 | No | per note |
| 771832 | XXXX | XXXX | XXXX | XXXX | Property City | notePage | XXXX | XXXX | per note |
| 771832 | XXXX | XXXX | XXXX | XXXX | Interest Only Flag | notePage | No | 360 | per note |
| 771832 | XXXX | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | per note |
| 771832 | XXXX | XXXX | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per note |
| 771832 | XXXX | XXXX | XXXX | XXXX | Property Zip Code | notePage | XXXX | XXXX | per note |
| 771832 | XXXX | XXXX | XXXX | XXXX | Property State | notePage | XXXX | XXXX | per note |
| 771832 | XXXX | XXXX | XXXX | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | per note |
| 771832 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Citizen | the1003Page | XXXX | XXXX | per 1003 |
| 771832 | XXXX | XXXX | XXXX | XXXX | Loan Purpose | the1003Page | Refinance | 703 | per 1003 |
| 771832 | XXXX | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 54.18 | 18.42 | per credit report/ appraisal |
| 771832 | XXXX | XXXX | XXXX | XXXX | Number of Units | propertyValuationPage | 1 | XXXX | per appraisal |
| 771832 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | No | per Appraisal |
| 771832 | XXXX | XXXX | XXXX | XXXX | Qualifying LTV | the1008Page | 18.42 | Fixed | per note/appraisal |
| 771832 | XXXX | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per note |
| 771832 | XXXX | XXXX | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 703 | 54 | per credit report |
| 771832 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | per note, CR, P&L |
| 771832 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 45.314 | not DSCR loan |
| 771832 | XXXX | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | per loan approval |
| 771904 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 771910 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 772649 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 773037 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 774076 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 777681 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 781939 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 790836 | XXXX | XXXX | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Owner occupied |
| 792534 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 792534 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | True Data value DTI in line w/ 1008 |
| 793264 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Difference is due to the lender used a different rental loss |
| 793626 | XXXX | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | Per approval |
| 793626 | XXXX | XXXX | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | QM: Average Prime Offer Rate (APOR) | ATR/QM: Exempt | Primary residence. |
| 807098 | XXXX | XXXX | XXXX | XXXX | Date Last Rate Was Set | tridLePageRevised | XXXX | XXXX | Per COC dated XXXX |
| 807098 | XXXX | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | Per Approval |
| 807098 | XXXX | XXXX | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Primary Residence |
| 837996 | XXXX | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 64.5 | 61.72 | Lender did not include deferred balance |
| 837996 | XXXX | XXXX | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | QM: Average Prime Offer Rate (APOR) | ATR/QM: Exempt | Primary residence |
| 838816 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 3.92 | 11 | per 1003 |
| 838816 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | Unknown | per appraisal & 1008 |
| 838816 | XXXX | XXXX | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per mortgage statement |
| 843252 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Lender has incorrect amount for HOA on REO 3F. |
| 843252 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.74 | Not DSCR |
| 849158 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| 849158 | XXXX | XXXX | XXXX | XXXX | Loan Purpose | the1003Page | Refinance | Home Equity | Per Final 1003 |
| 849158 | XXXX | XXXX | XXXX | XXXX | Date Last Rate Was Set | tridLePageInitial | XXXX | XXXX | Per Loan Detail Report |
| 857842 | XXXX | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | Per 1008 |
| 872207 | XXXX | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | Per income docs |
| 893651 | XXXX | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | Docs show 1 year P&L. |
| 893651 | XXXX | XXXX | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | primary residence/not investment - not exempt |
| 894869 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | 12 month bank statements verified lower than lender |
| 894869 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Primary Residence |
| 896123 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Only 1 account in loan file - balance confirmed |
| 896123 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | ATR QM not confirmed |
| 902440 | XXXX | XXXX | XXXX | XXXX | Date Last Rate Was Set | tridLePageRevised | XXXX | XXXX | per LDR |

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## Exhibit 99.46

**Exhibit 99.46**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 564519 | XXXX | XXXX | XXXX B A | Closed | FCOM1124 | 2025-04-01 12:48 | 2025-04-01 13:19 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/01/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/01/2025 | Months Reserves exceed minimum required - 0 mths reserves required- Borrower has 47 mths reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XX |
| 624488 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 746922 | XXXX | XXXX | XXXX D B A | Closed | FCRE1195 | 2025-09-09 08:09 | 2025-09-12 09:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Document Uploaded. Originator waiver applied to non material finding with compensating factors. Exception for 80% CLTV, max 70%. - Due Diligence Vendor-09/12/2025 <br> Counter-Matrix XXXX reflect max CLTV of 70% for Investment alt doc-please clarify - Due Diligence Vendor-09/11/2025 <br> Ready for Review-It is stated that guides allow max 80% CLTV for Alt Doc. CLTV is 79.89% which is within the guideline. - Buyer-09/10/2025 <br> Open-Audited CLTV of 79.89% exceeds Guideline CLTV of 70% Subject loan approved at 79.89% CLTV. However, guides allow max 80% CLTV for Alt Doc. - Due Diligence Vendor-09/09/2025 |  | Waived-Document Uploaded. Originator waiver applied to non material finding with compensating factors. Exception for 80% CLTV, max 70%. - Due Diligence Vendor-09/12/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 48.9 months.<br>Qualifying DTI below maximum allowed - 22.59% DTI ratio, 50% max allowed. | 22.59% DTI<br> $86,074 in monthly residual income<br> 753 fico<br> 48.9 months of reserves | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XX |
| 746922 | XXXX | XXXX | XXXX D B A | Closed | FCRE1161 | 2025-09-09 07:35 | 2025-09-11 15:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/10/2025 <br>Open-Missing Flood Certificate Missing Flood Cert - Due Diligence Vendor-09/10/2025 |  | Resolved-Received flood cert. - Due Diligence Vendor-09/11/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 48.9 months.<br>Qualifying DTI below maximum allowed - 22.59% DTI ratio, 50% max allowed. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 763314 | XXXX | XXXX | XXXX C A | Closed | finding-3634 | 2025-09-18 07:58 | 2025-09-29 10:28 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC, finding resolved. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Received COC XXXX for rate lock and COC XXXX for increase in settlement fees which does not address increase in discount points. Zero (0%) tolerance fees increased by $616.41 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $616.41, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations XXXX - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. While I think the COC stated the reason for the change in fees (FICO), attached additional system support here. - Seller-09/26/2025 <br> Ready for Review-Document Uploaded. Broker fee established in coc on comp flip and disclosed in the 'XXX comp flip' pdf<br> Points increased from the $6935 on the XXXX addl coc pdf, which also states the reason for the increase (FICO/loan amount change) - Seller-09/24/2025 <br> Open-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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). ------ Zero (0%) tolerance fees increased by $1,516.41 (Points - Loan Discount Fee & Mortgage Broker Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,516.41, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations XXXX<br> ----- \*\* Rounding issue- Credit Report Fee $0.28 \*\* - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. While I think the COC stated the reason for the change in fees (FICO), attached additional system support here. - Seller-09/26/2025 <br> Ready for Review-Document Uploaded. Broker fee established in coc on comp flip and disclosed in the 'XXXX comp flip' pdf<br> Points increased from the $6935 on the XXXX addl coc pdf, which also states the reason for the increase (FICO/loan amount change) - Seller-09/24/2025 | Resolved-Received COC, finding resolved. - Due Diligence Vendor-09/29/2025<br>| Qualifying DTI below maximum allowed - DTI = 44.81% - Max DTI = 50%<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 43 Months Required = 12 Months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 763336 | XXXX | XXXX | XXXX C B A | Closed | FCRE1195 | 2025-09-19 09:01 | 2025-09-22 16:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator provided a waiver for LTV, applied to non material finding with comp factors. Finding is a B < 5% variance. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached exception request form. Please clear this finding. - Seller-09/19/2025 <br>Open-Audited CLTV of 74.78% exceeds Guideline CLTV of 70% LTV for representative FICO and income type is 70%. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. Please see attached exception request form. Please clear this finding. - Seller-09/19/2025<br>| Waived-Originator provided a waiver for LTV, applied to non material finding with comp factors. Finding is a B < 5% variance. - Due Diligence Vendor-09/22/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 41%<br>Months Reserves exceed minimum required - Min reserves 0 mths- Borrower's reserves 15.94 mths | mortgage history 0x30 24months<br> 5yrs on job | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | XX |
| 764878 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XX |
| 769268 | XXXX | XXXX | XXXX D B A | Closed | FCRE1316 | 2025-09-17 14:35 | 2026-03-13 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/19/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Third party VOE within 10 days of closing is not in file. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/19/2025<br>| Resolved-Received pre close VVOE. - Due Diligence Vendor-09/22/2025<br>| Months Reserves exceed minimum required - Total qualifying 37.67 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 790; Guideline minimum FICO 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 769268 | XXXX | XXXX | XXXX D B A | Closed | FCRE0105 | 2025-09-17 14:58 | 2025-09-25 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-After further review, the appraiser confirmed the balconies and patios are made of concrete, the structural inspection is not required. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/24/2025 <br> Ready for Review-Document Uploaded. XXXX full condo review was updated to confirm building safety and integrity back in XXXX – CPM approval date was XXXX – CPM was approved by XXXX, Please review and clear the condition - Buyer-09/24/2025 <br> Counter-Received CPM screen shot-need full CPM-finding remains. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. The attached has all the Condo details also states that it is approved by XXXX - Seller-09/23/2025 <br> Counter-Provide complete legible copy of XXXX CPM approval-XXXX approval must be 1/2025 or later or milestone inspection required. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. we have the desk review , condo as is XXXX . file is underwritten to XXXX guidelines and the report is not required, we also have the XXXX approval , please see attached, nothing further is needed. - Seller-09/19/2025 <br> Ready for Review-we have the desk review , condo as is XXXX , nothing further is needed . Please see attached, and that is underwrote to XXXX guidelines and this report is not required, - Buyer-09/19/2025 <br> Ready for Review-Document Uploaded. we have the desk review , condo as is XXXX , nothing further is needed . Please see attached - Buyer-09/19/2025 <br> Open-The file does not contain the required structural engineer report per state law. Subject is missing required milestone inspection as required by CA Senate Bill No. 326 Subject IS required to provide milestone inspection as required by CA Senate Bill No. 326. Subject was built before XXXX, but DOES contain wood/wood-based products elevated more than 6 feet above ground level. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. The attached has all the Condo details also states that it is approved by XXXX - Seller-09/23/2025 <br> Ready for Review-Document Uploaded. we have the desk review , condo as is XXXX . file is underwritten to XXXX guidelines and the report is not required, we also have the XXXX approval , please see attached, nothing further is needed. - Seller-09/19/2025 | Resolved-After further review, the appraiser confirmed the balconies and patios are made of concrete, the structural inspection is not required. - Due Diligence Vendor-09/25/2025<br>| Months Reserves exceed minimum required - Total qualifying 37.67 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 790; Guideline minimum FICO 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 769268 | XXXX | XXXX | XXXX D B A | Closed | FCRE7011 | 2025-09-17 13:27 | 2025-09-24 13:50 | Waived | 2 - Non-Material C B | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Waived-Originator waiver applied to non material finding with compensating factors. Waiving rental loss coverage requirement. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached exception - Seller-09/24/2025 <br> Counter-Loss of use is insufficient as only XXXX coverage-6 months coverage required. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Please see attached the condo master insurance along with the insurance policy - Buyer-09/19/2025 <br> Ready for Review-Document Uploaded. Please see attached the condo master insurance - Buyer-09/19/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. Rent loss insurance is required and must equal at least 6 months PITIA. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Please see attached exception - Seller-09/24/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Waiving rental loss coverage requirement. - Due Diligence Vendor-09/24/2025<br>| Months Reserves exceed minimum required - Total qualifying 37.67 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 790; Guideline minimum FICO 680. | q FICO score above program min. by 20 points or higher<br> Residual income $1,000 above the program min. required<br> Borrower down payment exceeds 10% of own funds | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XX |
| 769268 | XXXX | XXXX | XXXX D B A | Closed | FCRE1492 | 2025-09-17 14:55 | 2025-09-23 14:47 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-LOX in the file confirms the cash out will be used for home improvement and debt consolidation. The final CD confirms no personal debts were paid off with the proceeds of the loan. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-The LOE states that the cash out for improvement and the dept will be related to the business purpose. - Seller-09/23/2025 <br> Counter-Cash proceeds are only eligible for business purpose. Finding remains. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Please be advised that is not a DSCR file , also the LOE states that the cash out is for home improvement and dept consolidation of course related to the improvement . Please review and clear the condition - Buyer-09/19/2025 <br> Ready for Review-The LOE states that the cash out is for home improvement and dept consolidation of course related to the improvement . Please review and clear the condition - Seller-09/19/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Proceeds may only be utilized for business purposes as prescribed on the affidavit. Motivation letter in file indicate funds will be used for purposes other than business purposes (debt consolidation). - Due Diligence Vendor-09/17/2025 | Ready for Review-The LOE states that the cash out for improvement and the dept will be related to the business purpose. - Seller-09/23/2025 <br>Ready for Review-The LOE states that the cash out is for home improvement and dept consolidation of course related to the improvement . Please review and clear the condition - Seller-09/19/2025<br>| Resolved-LOX in the file confirms the cash out will be used for home improvement and debt consolidation. The final CD confirms no personal debts were paid off with the proceeds of the loan. - Due Diligence Vendor-09/23/2025<br>| Months Reserves exceed minimum required - Total qualifying 37.67 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 790; Guideline minimum FICO 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 769268 | XXXX | XXXX | XXXX D B A | Closed | FPRO1255 | 2025-09-17 12:54 | 2025-09-23 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-CPM approval provided. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. The attached has all the Condo details also states that it is approved by XXXX - Buyer-09/23/2025 <br> Counter-Provide complete, legible CPM reflecting XXXX approval. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Please see attached XXXX approval, and the questionnaire is not required - Buyer-09/19/2025 <br> Ready for Review-Document Uploaded. Please see attached approval - Buyer-09/19/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing a valid project review is required for all condominium transactions, along with a completed XXXX Mortgage Condominium Project Questionnaire (or equivalent form). - Due Diligence Vendor-09/17/2025 |  | Resolved-CPM approval provided. - Due Diligence Vendor-09/23/2025<br>| Months Reserves exceed minimum required - Total qualifying 37.67 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 790; Guideline minimum FICO 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 771439 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 771831 | XXXX | XXXX | XXXX C A | Closed | FCRE1440 | 2025-09-21 12:36 | 2025-09-26 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, only one lien exist. Payment increase appear to be due to escrows. (mtg statement page 181) - Due Diligence Vendor-09/26/2025 <br> Ready for Review-There is only one mortgage and if the UDM reports a payment increase but not a payment late, we can 100% safely presume that the payment increase is tied to the tax/ins increasing. We verified and validated the the tax and ins separately. Therefore, we do not need to document the subject mortgage with another mortgage statement. <br>- Seller-09/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing verification of what the increase in first lien mortgage payment reported by UDM is for. Additional findings may apply. - Due Diligence Vendor-09/21/2025 | Ready for Review-There is only one mortgage and if the UDM reports a payment increase but not a payment late, we can 100% safely presume that the payment increase is tied to the tax/ins increasing. We verified and validated the the tax and ins separately. Therefore, we do not need to document the subject mortgage with another mortgage statement. <br>- Seller-09/24/2025<br>| Resolved-Upon further review, only one lien exist. Payment increase appear to be due to escrows. (mtg statement page 181) - Due Diligence Vendor-09/26/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 34.98%; max 50%<br>CLTV is less than guidelines maximum - Qualifying CLTV 56.44%; max 75% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 771832 | XXXX | XXXX | XXXX C A | Closed | finding-3634 | 2025-09-17 08:36 | 2025-09-24 08:42 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd LE issued XXXX and COC. Finding resolved. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). -----Zero (0%) tolerance fees increased by $850.00 (appraisal & credit) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $850.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expiration XXXX.<br> - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Rec'd LE issued XXXX and COC. Finding resolved. - Due Diligence Vendor-09/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 703 FICO<br>CLTV is less than guidelines maximum - 90% max CLTV - loan has 54.18% CLTV |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 771904 | XXXX | XXXX | XXXX C B A | Closed | finding-3652 | 2025-09-19 13:02 | 2026-03-13 15:01 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Received post-close CD XXXX LOE, copy of check and evidence of delivery to borrower. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits ($724.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($787.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). ----- Lender credit decreased from $787.50 to $724.50 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $63, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Cured-Received post-close CD XXXX LOE, copy of check and evidence of delivery to borrower. - Due Diligence Vendor-03/13/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $29,806.79 ; minimum required NONE<br>Qualifying DTI below maximum allowed - Qualifying DTI 26.33%; max 50%<br>Months Reserves exceed minimum required - 44 reserves exceeds 0 required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 771904 | XXXX | XXXX | XXXX C B A | Closed | FCRE0110 | 2025-09-21 16:03 | 2025-10-17 12:10 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for Solar Panels | Resolved-The credit report does not report any type of Solar Financing; and, the Prelim Title Report makes no mention to a Solar Lien, UCC or Financing Agreement being recorded against the property. Lender confirmed the Solar panels were paid in full at the time of purchase. - Due Diligence Vendor-10/17/2025 <br> Counter-Please provide a revised appraisal. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-The appraiser has misspoke. The Prelim and Credit Report do not reflect any Solar related items, therefore, we respectfully request this finding to be cleared. - Seller-10/15/2025 <br> Open-Per appraiser the subject has leased solar. Missing solar lease documentation. Additional findings may apply. - Due Diligence Vendor-09/21/2025 | Ready for Review-The appraiser has misspoke. The Prelim and Credit Report do not reflect any Solar related items, therefore, we respectfully request this finding to be cleared. - Seller-10/15/2025<br>| Resolved-The credit report does not report any type of Solar Financing; and, the Prelim Title Report makes no mention to a Solar Lien, UCC or Financing Agreement being recorded against the property. Lender confirmed the Solar panels were paid in full at the time of purchase. - Due Diligence Vendor-10/17/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $29,806.79 ; minimum required NONE<br>Qualifying DTI below maximum allowed - Qualifying DTI 26.33%; max 50%<br>Months Reserves exceed minimum required - 44 reserves exceeds 0 required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 771904 | XXXX | XXXX | XXXX C B A | Closed | FCRE0113 | 2025-09-21 15:57 | 2025-09-30 15:23 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received revised appraisal. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-Missing appraiser comments for (1) confirm square footage and bedroom for Comp 2; both XXXX and XXXX flagged and online listings confirm XXXX square feet and 4 bedrooms (2) appraiser comments all comps given equal weight but equal weight results in a value lower than the final opinion of value assigned by the appraiser (listings only support) (3) additional findings may apply. - Due Diligence Vendor-09/21/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Received revised appraisal. - Due Diligence Vendor-09/30/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $29,806.79 ; minimum required NONE<br>Qualifying DTI below maximum allowed - Qualifying DTI 26.33%; max 50%<br>Months Reserves exceed minimum required - 44 reserves exceeds 0 required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 771904 | XXXX | XXXX | XXXX C B A | Closed | FCRE1440 | 2025-09-21 16:29 | 2025-09-25 15:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received XXXX payment verification. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Subject payment history uploaded - Seller-09/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence of timely XXXX payment for subject 1st lien. Additional findings may apply. - Due Diligence Vendor-09/21/2025 | Ready for Review-Document Uploaded. Subject payment history uploaded - Seller-09/24/2025<br>| Resolved-Received XXXX payment verification. - Due Diligence Vendor-09/25/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $29,806.79 ; minimum required NONE<br>Qualifying DTI below maximum allowed - Qualifying DTI 26.33%; max 50%<br>Months Reserves exceed minimum required - 44 reserves exceeds 0 required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 771910 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 772649 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2025-09-19 15:11 | 2025-09-24 15:55 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/23/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/23/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-09/24/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 32.45%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score 785 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 773037 | XXXX | XXXX | XXXX C A | Closed | finding-3652 | 2025-09-19 16:53 | 2025-09-25 09:57 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC XXXX, rate locked, finding resolved. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. attached coc , XXXX change request form says price updated due to fico update. - Seller-09/23/2025 <br> Open-This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits ($449.35) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,025.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). Lender credit decreased from $3,025 to $449.35 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2,575.65 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. attached coc , XXXX change request form says price updated due to fico update. - Seller-09/23/2025 | Resolved-Received COC XXXX, rate locked, finding resolved. - Due Diligence Vendor-09/25/2025 | Months Reserves exceed minimum required - 29 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 708 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 773037 | XXXX | XXXX | XXXX C A | Closed | FCOM3605 | 2025-09-22 08:07 | 2025-09-25 09:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD XXXX with evidence of delivery, finding resolved. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached Disclosure tracking Tool and details. Please waive this finding. - Seller-09/23/2025 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. Please see attached Disclosure tracking Tool and details. Please waive this finding. - Seller-09/23/2025<br>| Resolved-Received CD XXXX with evidence of delivery, finding resolved. - Due Diligence Vendor-09/25/2025 | Months Reserves exceed minimum required - 29 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 708 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 773037 | XXXX | XXXX | XXXX C A | Closed | finding-3532 | 2025-09-19 16:53 | 2025-09-25 09:55 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received CD XXXX with evidence of delivery. Finding resolved. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. initial CD and history of disclosures shown. based on your TRID page, didnt look like you had yet. - Seller-09/23/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Initial CD receipt date of XXXX is less than three business days prior to closing date of 09/11/2025. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. initial CD and history of disclosures shown. based on your TRID page, didnt look like you had yet. - Seller-09/23/2025<br>| Resolved-Received CD XXXX with evidence of delivery. Finding resolved. - Due Diligence Vendor-09/25/2025 | Months Reserves exceed minimum required - 29 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 708 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 773213 | XXXX | XXXX | XXXX D A | Closed | FCRE1183 | 2025-09-23 07:41 | 2025-09-25 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received 1008 w/Property Type. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. Please see attached updated 1008 - Seller-09/23/2025 <br>Open-Approval/Underwriting Summary Partially Provided Missing property type on the 1008. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. Please see attached updated 1008 - Seller-09/23/2025<br>| Resolved-Received 1008 w/Property Type. - Due Diligence Vendor-09/25/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 35.39 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 759 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 773255 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 774076 | XXXX | XXXX | XXXX C A | Closed | FCRE5790 | 2025-09-23 13:22 | 2025-10-07 13:25 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Received UDM alerts dated XXXX - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. Please see page 1 does reflect the updated date. Please clear or do escalate for further review - Seller-10/03/2025 <br> Counter-If the Drive report was reran the date on page one would be XXXX. Finding remains. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-XXXX is the initial run and on XXXX it was reran prior to closing as required... please clear or escalate, Thank you - Seller-09/28/2025 <br> Counter-Drive Report is dated XXXX. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see page 134, this shows the XXXX was updated and restarts the 10 days refresh period. - Seller-09/24/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap is not dated w/in 10 days of note date. UDM is valid until XXXX - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. Please see page 1 does reflect the updated date. Please clear or do escalate for further review - Seller-10/03/2025 <br> Ready for Review-XXXX is the initial run and on XXXX it was reran prior to closing as required... please clear or escalate, Thank you - Seller-09/28/2025 <br> Ready for Review-Document Uploaded. Please see page 134, this shows the XXXX was updated and restarts the 10 days refresh period. - Seller-09/24/2025 | Resolved-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Received UDM alerts dated XXXX- Due Diligence Vendor-10/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 767<br>Months Reserves exceed minimum required - 0 months reserves required, borrower has 31.22 documented |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 777681 | XXXX | XXXX | XXXX C A | Closed | FCRE0044 | 2025-09-25 14:11 | 2025-09-30 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/26/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/26/2025<br>| Resolved-Received LOE. - Due Diligence Vendor-09/30/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 14.07 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%-- Borrower's DTI 39.63% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 777681 | XXXX | XXXX | XXXX C A | Closed | finding-3652 | 2025-09-25 11:43 | 2025-09-30 07:39 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-CD referenced was for a concurrent loan transaction. This CD loan # does not match our loan # of XXXX - Seller-09/29/2025 <br> Open-This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($12,865.10). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). Lender credit decreased from $12,865.10 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $12,865.10, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-09/25/2025 | Ready for Review-CD referenced was for a concurrent loan transaction. This CD loan # does not match our loan # of XXXX- Seller-09/29/2025 | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/30/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 14.07 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%-- Borrower's DTI 39.63% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 777681 | XXXX | XXXX | XXXX C A | Closed | finding-3542 | 2025-09-25 11:45 | 2025-09-30 07:35 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-The CD was for a concurrent first. Note how the loan # is XXXX, and not our loan # of XXXX - Seller-09/29/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. The APR of 7% on CD XXXX changed to 9.625% on final CD XXXX without a new three day waiting period. - Due Diligence Vendor-09/25/2025 | Ready for Review-The CD was for a concurrent first. Note how the loan # is XXXX , and not our loan # of XXXX - Seller-09/29/2025 | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/30/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 14.07 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%-- Borrower's DTI 39.63% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 781939 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2025-09-26 09:52 | 2025-10-02 14:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received legal description. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to pages 668-669 and attached herein. - Seller-10/01/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to pages 668-669 and attached herein. - Seller-10/01/2025<br>| Resolved-Received legal description. - Due Diligence Vendor-10/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 728 which exceeds the minimum of 660<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 90 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 782696 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 790836 | XXXX | XXXX | XXXX C A | Closed | FCRE6618 | 2025-10-06 08:18 | 2025-10-06 16:30 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Corrected 1003 provided. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/06/2025 <br> Ready for Review-Document Uploaded. The 1003 showing 8 yesrs. Please see attached - Buyer-10/06/2025 <br> Open-Missing a full two year employment history. - Due Diligence Vendor-10/06/2025 |  | Resolved-Corrected 1003 provided. - Due Diligence Vendor-10/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 706; guidelines require 660<br>Qualifying DTI below maximum allowed - Qualifying DTI 44%; max allowable 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 790836 | XXXX | XXXX | XXXX C A | Closed | finding-3634 | 2025-10-01 15:16 | 2025-10-06 08:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved on PCCD. - Due Diligence Vendor-10/06/2025 <br> Open-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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). - Due Diligence Vendor-10/01/2025 |  | Resolved-Resolved on PCCD. - Due Diligence Vendor-10/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 706; guidelines require 660<br>Qualifying DTI below maximum allowed - Qualifying DTI 44%; max allowable 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 792534 | XXXX | XXXX | XXXX C A | Closed | finding-47 | 2025-10-02 17:26 | 2025-10-14 06:35 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. pccd attached - Seller-10/12/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date, XXXX. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. pccd attached - Seller-10/12/2025<br>| Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-10/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 777 which exceeds the minimum of 720<br>Qualifying DTI below maximum allowed - DTI of 29.37% is below the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 792534 | XXXX | XXXX | XXXX C A | Closed | FCOM1978 | 2025-10-03 08:18 | 2025-10-14 06:28 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Rec'd evidence of borrower's intent to proceed. Finding resolved. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached documentation from our AMC confirming the borrower gave intent to proceed prior to the Appraisal order being placed (XXXX). - Seller-10/13/2025 <br> Open-Intent to Proceed is missing a signature - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Please see attached documentation from our AMC confirming the borrower gave intent to proceed prior to the Appraisal order being placed (XXXX). - Seller-10/13/2025 | Resolved-Rec'd evidence of borrower's intent to proceed. Finding resolved. - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 777 which exceeds the minimum of 720<br>Qualifying DTI below maximum allowed - DTI of 29.37% is below the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 793264 | XXXX | XXXX | XXXX D A | Closed | FCRE1764 | 2025-10-08 11:06 | 2025-10-15 15:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-The lender confirmed the difference in payment is escrows. The REO for this property will be calculated using the obligated higher payment on the mortgage statement. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-10/15/2025 <br> Counter-LOE regarding rental income provided, however we are missing the LOE for property 3b P&I variance. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached LOEs - Buyer-10/13/2025 <br> Counter-Received mortgage statement, however the payment amount variance has not been addressed. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Please see attached 2 bank statements along with the LOEs. also lease agrement and PITI documents for 3b property . Please review ana advise if we still need anything else - Buyer-10/08/2025 <br> Open-The property listed on the application(3B) reflects a payment of XXXX on the 1003(no escrows. Credit report dated XXXX reflects a payment of XXXX. The mortgage statement reflects a total payment of XXXX. Higher payment was used to calculate the rental loss on the property. Missing clarification of the variations in the mortgage payments on this property. - Due Diligence Vendor-10/08/2025 |  | Resolved-The lender confirmed the difference in payment is escrows. The REO for this property will be calculated using the obligated higher payment on the mortgage statement. - Due Diligence Vendor-10/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 788. Min FICO required is 660.<br>CLTV is less than guidelines maximum - CLTV 59.94%. Max CLTV allowed is 90%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 793626 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 796592 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 807098 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 810838 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XX |
| 837996 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 838816 | XXXX | XXXX | XXXX B A | Closed | FCOM1353 | 2025-11-05 17:10 | 2025-11-21 16:35 | Resolved | 1 - Information B A | Compliance | Disclosure | Incorrect ROR Form Type selected | Resolved-Upon further review, no further documentation is needed or required. Form H-8 was the correct form to use. - Due Diligence Vendor-11/21/2025 <br>Open-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes' - Due Diligence Vendor-11/21/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Form H-8 was the correct form to use. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 706<br>Qualifying DTI below maximum allowed - Max DTI 50% / Borrower DTI 37.81% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 839497 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 839498 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 843252 | XXXX | XXXX | XXXX C A | Closed | FCRE1254 | 2025-11-13 09:06 | 2025-11-17 14:33 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title supplement provided confirming the tax lien is clear. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Please see attached and that was in the credit package - Buyer-11/13/2025 <br> Open-Property Title Issue There is a tax lien for borrower reflected on title in the amount of XXXX with no further documentation or proof of being paid at close. - Due Diligence Vendor-11/13/2025 |  | Resolved-Title supplement provided confirming the tax lien is clear. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 849158 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 857842 | XXXX | XXXX | XXXX B A | Closed | FCOM5135 | 2025-11-20 11:01 | 2025-12-02 09:52 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, fully executed document in file - Due Diligence Vendor-12/02/2025 |  | Resolved-Upon further review, fully executed document in file - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 725 and minimum allowed is 660. Required is 700 Borrower has 725<br>Qualifying DTI below maximum allowed - DTI is 36.2% and max allowed is 50% Required is 50 Borrower has 36.2<br>CLTV is less than guidelines maximum - CLTV is 73.22% and max allowed is 80% Required is 80 Borrower has 73.29 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 864352 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  | XX |
| 872207 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 879689 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 888296 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |
| 893651 | XXXX | XXXX | XXXX C A | Closed | FCRE1206 | 2025-12-16 14:26 | 2025-12-17 14:07 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-After further review, the non-borrowing spouse does not need to be included. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. Please advise what do we exactly need , since we have the attached which is completed . - Buyer-12/17/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Add non-borrowing spouse to interested parties - Due Diligence Vendor-12/16/2025 |  | Resolved-After further review, the non-borrowing spouse does not need to be included. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 750<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 48.4<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.79 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 894869 | XXXX | XXXX | XXXX D A | Closed | FCRE5774 | 2025-12-17 15:47 | 2025-12-31 12:40 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received processor cert confirming borrower applied for credit. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. please see attached and clear thank u :) - Seller-12/30/2025 <br> Counter-Received credit report reflecting Fraud Victim Alert. Provide confirmation alert cleared. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Initial credit report for ID XXXX attached - Seller-12/24/2025 <br> Counter-Review received 8/7. Order numbers do not match. Missing original report i dXXXX received supplement only. (fico matches approval and tape with order date 10/31) - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Initial credit report dated XXXX attached. - Seller-12/22/2025 <br> Counter-Received Credit report dated XXXX. Initial credit dated XXXX. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. XXXX_XXXX credit report attached thank u :) - Seller-12/18/2025 <br> Open-Borrower 1 Credit Report is Partially Present. Missing original credit report used to qualify. Only a credit supplement was provided. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. please see attached and clear thank u :) - Seller-12/30/2025 <br> Ready for Review-Document Uploaded. Initial credit report for ID XXXX attached - Seller-12/24/2025 <br> Ready for Review-Document Uploaded. Initial credit report dated XXXX attached. - Seller-12/22/2025 <br> Ready for Review-Document Uploaded. XXXX_XXXX credit report attached thank u :) - Seller-12/18/2025 | Resolved-Received processor cert confirming borrower applied for credit. - Due Diligence Vendor-12/31/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 894869 | XXXX | XXXX | XXXX D A | Closed | FCRE1158 | 2025-12-17 17:49 | 2025-12-19 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Upon further review, HOI has 100% replacement coverage. - Due Diligence Vendor-12/19/2025 <br>Ready for Review-on the HOI. It states 100% replacement cost Please clear thank u :) - Seller-12/18/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Provide Hazard Insurance policy with sufficient coverage. - Due Diligence Vendor-12/17/2025 | Ready for Review-on the HOI. It states 100% replacement cost Please clear thank u :) - Seller-12/18/2025<br>| Resolved-Upon further review, HOI has 100% replacement coverage. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 896123 | XXXX | XXXX | XXXX C A | Closed | FCOM0012 | 2025-12-18 20:16 | 2026-01-02 09:14 | Resolved | 1 - Information C A | Compliance | TRID | Missing the appraisal due to HPML | Resolved-After further review, this loan is not an HPML loan. - Due Diligence Vendor-01/02/2026 <br>Open-Missing Full Appraisal due to HPML status. Missing Full appraisal required and must have escrow impounds for taxes and insurance. - Due Diligence Vendor-12/22/2025 |  | Resolved-After further review, this loan is not an HPML loan. - Due Diligence Vendor-01/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.1 months.<br>Months Reserves exceed minimum required - 0 reserves required. Borrower has 28.3 months reserves. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 896123 | XXXX | XXXX | XXXX C A | Closed | finding-3352 | 2025-12-17 15:46 | 2025-12-31 13:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Please see uploaded LOE & PCCD. - Seller-12/30/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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. ----- Statute of limitations – One year; Expiration date: XXXX. Missing Full appraisal required and must have escrow impounds for taxes and insurance. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Please see uploaded LOE & PCCD. - Seller-12/30/2025<br>| Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-12/31/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.1 months.<br>Months Reserves exceed minimum required - 0 reserves required. Borrower has 28.3 months reserves. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 902440 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  | XX |

---

## Exhibit 99.47

**Exhibit 99.47**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 564519 | XXXX | XXXX | XXXX | XXXX A NA B |
| 624488 | XXXX | XXXX | XXXX | XXXX A NA |
| 746922 | XXXX | XXXX | XXXX | XXXX D NA B |
| 763314 | XXXX | XXXX | XXXX | XXXX A NA C |
| 763336 | XXXX | XXXX | XXXX | XXXX C NA B |
| 764878 | XXXX | XXXX | XXXX | XXXX A NA |
| 769268 | XXXX | XXXX | XXXX | XXXX D NA B |
| 771439 | XXXX | XXXX | XXXX | XXXX A NA |
| 771831 | XXXX | XXXX | XXXX | XXXX C NA |
| 771832 | XXXX | XXXX | XXXX | XXXX A NA C |
| 771904 | XXXX | XXXX | XXXX | XXXX C NA B |
| 771910 | XXXX | XXXX | XXXX | XXXX A NA |
| 772649 | XXXX | XXXX | XXXX | XXXX C NA |
| 773037 | XXXX | XXXX | XXXX | XXXX A NA C |
| 773213 | XXXX | XXXX | XXXX | XXXX D NA |
| 773255 | XXXX | XXXX | XXXX | XXXX A NA |
| 774076 | XXXX | XXXX | XXXX | XXXX C NA |
| 777681 | XXXX | XXXX | XXXX | XXXX C NA |
| 781939 | XXXX | XXXX | XXXX | XXXX C NA |
| 782696 | XXXX | XXXX | XXXX | XXXX A NA |
| 790836 | XXXX | XXXX | XXXX | XXXX C NA |
| 792534 | XXXX | XXXX | XXXX | XXXX A NA C |
| 793264 | XXXX | XXXX | XXXX | XXXX D NA |
| 793626 | XXXX | XXXX | XXXX | XXXX A NA |
| 796592 | XXXX | XXXX | XXXX | XXXX A NA |
| 807098 | XXXX | XXXX | XXXX | XXXX A NA |
| 810838 | XXXX | XXXX | XXXX | XXXX A NA |
| 837996 | XXXX | XXXX | XXXX | XXXX A NA |
| 838816 | XXXX | XXXX | XXXX | XXXX A NA B |
| 839497 | XXXX | XXXX | XXXX | XXXX A NA |
| 839498 | XXXX | XXXX | XXXX | XXXX A NA |
| 843252 | XXXX | XXXX | XXXX | XXXX C NA |
| 849158 | XXXX | XXXX | XXXX | XXXX A NA |
| 857842 | XXXX | XXXX | XXXX | XXXX A NA B |
| 864352 | XXXX | XXXX | XXXX | XXXX A NA |
| 872207 | XXXX | XXXX | XXXX | XXXX A NA |
| 879689 | XXXX | XXXX | XXXX | XXXX A NA |
| 888296 | XXXX | XXXX | XXXX | XXXX A NA |
| 893651 | XXXX | XXXX | XXXX | XXXX C NA |
| 894869 | XXXX | XXXX | XXXX | XXXX D NA |
| 896123 | XXXX | XXXX | XXXX | XXXX A NA C |
| 902440 | XXXX | XXXX | XXXX | XXXX A NA |

---

## Exhibit 99.48

**Exhibit 99.48**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 564519 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.24 | 49.43 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| 624488 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.05 | 63.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 746922 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.66 | 79.89 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| 763314 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 23.43 | 70.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 763336 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.37 | 74.78 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 764878 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.35 | 63.25 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 769268 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 18.07 | 64.4 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 771439 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.37 | 79.87 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 771831 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 12.05 | 56.44 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 771832 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.42 | 54.18 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| 771904 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.36 | 71.9 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.2271 | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 771910 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.04 | 52.51 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| 772649 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.71 | 79.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| 773037 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 31.67 | 74.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 773213 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.71 | 62.47 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| 773255 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.73 | 79.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| 774076 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.49 | 79.26 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| 777681 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.59 | 74.74 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 781939 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.0 | 52.7 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| 782696 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.7 | 47.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 790836 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.69 | 74.72 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| 792534 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.64 | 79.21 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| 793264 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.04 | 59.94 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| 793626 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.76 | 55.45 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 796592 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.79 | 79.58 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 807098 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.6 | 28.42 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 810838 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.71 | 64.47 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| 837996 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.2 | 64.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838816 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.19 | 79.77 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.7 | XXXX |
| 839497 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 20.51 | 63.81 | XXXX | XXXX | -.0564 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0564 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839498 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.31 | 19.31 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| 843252 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.33 | 76.64 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 849158 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.21 | 74.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 857842 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.83 | 73.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| 864352 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.89 | 65.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 872207 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.75 | 65.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 879689 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.28 | 68.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 888296 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.0 | 77.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 893651 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.89 | 48.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 894869 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.02 | 63.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 896123 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 9.78 | 79.7 | XXXX | XXXX | -.0718 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0718 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 902440 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.57 | 37.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.49

**Exhibit 99.49**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 564519 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6620 | 9.499 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36975.55 | Yes | Employed |  | No |  | No |  |
| 624488 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10636.3 | 9.967 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 16796.35 | Yes | Employed |  | No |  | No |  |
| 746922 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 86074.34 | N/A | Employed |  | No |  | Yes | Present |
| 763314 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 9096.41 | 10.168 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15130.64 | N/A | Employed |  | No |  | No |  |
| 763336 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23318.55 | Yes | Not Employed | Employed | No | No | Yes | Present |
| 764878 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18034.9 | Yes | Employed |  | No |  | Yes | Present |
| 769268 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 4626.59 | N/A | Employed |  | No |  | Yes | Present |
| 771439 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5359.4 | 11.13 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26323.13 | Yes | Employed |  | No |  | No |  |
| 771831 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7245 | 9.042 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20004.22 | N/A | Employed | Not Employed | No | No | No |  |
| 771832 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8157.5 | 9.601 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21339.99 | N/A | Employed |  | No |  | No |  |
| 771904 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 8082.5 | 10.743 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 29806.79 | N/A | Employed |  | No |  | No |  |
| 771910 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4055 | 9.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11644.14 | Yes | Employed |  | No |  | No |  |
| 772649 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5776.25 | 10.388 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 17457.76 | Yes | Employed |  | No |  | No |  |
| 773037 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5697.5 | 10.298 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 24769.69 | Yes | Employed |  | No |  | No |  |
| 773213 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3057.5 | 9.658 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6701.21 | Yes | Employed |  | No |  | No |  |
| 773255 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8196.56 | 10.784 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20764.47 | Yes | Employed |  | No |  | No |  |
| 774076 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5395 | 10.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7932.92 | Yes | Employed |  | No |  | No |  |
| 777681 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 995 | 9.702 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20056.65 | Yes | Employed |  | No |  | No |  |
| 781939 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7245 | 9.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11019.42 | N/A | Employed |  | No |  | No |  |
| 782696 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5795 | 8.375 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9069.14 | Yes | Employed |  | No |  | No |  |
| 790836 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 4595 | 10.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 58833.83 | N/A | Employed |  | No |  | No |  |
| 792534 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9055 | 10.411 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16493.8 | N/A | Employed |  | No |  | No |  |
| 793264 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6155 | 8.327 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16359.46 | Yes | Employed |  | No |  | No |  |
| 793626 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 996 | 8.376 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5293.42 | Yes | Employed |  | No |  | No |  |
| 796592 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2310.75 | 11.33 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9547.6 | Yes | Employed |  | No |  | No |  |
| 807098 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5477 | 8.879 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11382.75 | Yes | Employed | Not Employed | No | No | No |  |
| 810838 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 51982.61 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 837996 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6440 | 8.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11753.43 | Yes | Employed |  | No |  | No |  |
| 838816 | XXXX | XXXX | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2340 | 11.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9231.05 | N/A | Employed |  | No |  | No |  |
| 839497 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6295 | 8.416 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4557.02 | N/A | Employed |  | No |  | No |  |
| 839498 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8237.5 | 8.789 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17311.21 | Yes | Employed |  | No |  | No |  |
| 843252 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 39990.32 | Yes | Employed |  | No |  | Yes | Present |
| 849158 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5458.93 | 8.848 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6919.23 | N/A | Employed |  | No |  | No |  |
| 857842 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10995 | 8.665 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26281.27 | Yes | Employed |  | No |  | No |  |
| 864352 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6542 | N/A | Employed |  | No |  | Yes | Present |
| 872207 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5868 | 8.614 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10155.54 | N/A | Employed |  | No |  | No |  |
| 879689 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5295 | 8.793 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10312.17 | Yes | Employed | Employed | No | No | No |  |
| 888296 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5595 | 9.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17811.4 | N/A | Employed |  | No |  | No |  |
| 893651 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5561.5 | 8.358 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10797.63 | Yes | Employed |  | No |  | No |  |
| 894869 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12249 | 8.5 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 119890.56 | N/A | Employed |  | No |  | No |  |
| 896123 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 9.92 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 26010.3 | Yes | Employed |  | No |  | No |  |
| 902440 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5095 | 8.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9961.21 | N/A | Employed |  | No |  | No |  |

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