Exhibit 99.6 Schedule 4

ASF Loan Number

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?

215135773

XX

XX

Closed

2025-07-22 19:12

2025-07-22 19:12

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

GA

Primary Residence

Purchase

NA

XX

Investor Post-Close

No

9733151113

XX

XX

Closed

2025-06-26 18:50

2025-07-07 19:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Received 4506 signed at application.  Condition cleared.   - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached 4506C dated 05-xx-25. - Buyer-07/XX/2025 Open-GL Section 35, A signed and dated 4506-C for must be signed at application and closing, Loan file missing 4506-C at the time of application. - Due Diligence Vendor-06/XX/2025

Resolved-Received 4506 signed at application.  Condition cleared.   - Due Diligence Vendor-07/XX/2025

XX

GA

Primary Residence

Refinance

Cash Out - Other

XX

N/A

N/A

9704448829

XX

XX

Closed

2025-06-26 17:38

2025-07-11 17:53

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Received HOI with effective date the same as the Note date.  Condition cleared.  - Due Diligence Vendor-07/XX/2025 Resolved-Hazard Insurance Effective Date of 06-xx-2025 is prior to or equal to the Note Date of 06-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached policy. - Buyer-07/XX/2025 Open-Hazard Insurance Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025 The Hazard Insurance Effective Date of 06-xx-2025 is dated after the Note date and disbursement date of 06-xx-2025. - Due Diligence Vendor-06/XX/2025

Resolved-Received HOI with effective date the same as the Note date.  Condition cleared.  - Due Diligence Vendor-07/XX/2025  Resolved-Hazard Insurance Effective Date of 06-xx-2025 is prior to or equal to the Note Date of 06-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/XX/2025

XX

CO

Primary Residence

Purchase

NA

XX

N/A

N/A

9763122513

XX

XX

Closed

2025-06-26 16:39

2025-07-08 19:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. 4506 - Buyer-07/XX/2025 Open-Borrower 1 Executed 4506-T Missing GL Section 35,  A signed and dated 4506-C for must be signed at application and closing for Income being documented with Form 1099 statements, Loan file missing 4506-C at the time of application - Due Diligence Vendor-06/XX/2025

Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-07/XX/2025

XX

VA

Primary Residence

Purchase

NA

XX

N/A

N/A

9763122513

XX

XX

Closed

2025-06-27 19:06

2025-07-08 19:15

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2025 Ready for Review-$15,000 was backed out of NXX because a close friend is an ineligible donor.  Gift letter and copy of the check are only in the file to source the large deposit of $15,000. - Buyer-07/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Unacceptable source of funds - gift funds from an unacceptable donor. - Due Diligence Vendor-06/XX/2025

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2025

VA

Primary Residence

Purchase

NA

XX

N/A

N/A

9763122513

XX

XX

Closed

2025-06-27 19:16

2025-07-08 19:13

Resolved

1 - Information

Credit

Assets

Asset General

Resolved-Lender qualified without ineligible gift, finding resolved.  - Due Diligence Vendor-07/XX/2025 Ready for Review-$15,000 was backed out of XX because a close friend is an ineligible donor.  Gift letter and copy of the check are only in the file to source the large deposit of $15,000. - Investor-07/XX/2025 Open-Borrower received $15,000.00 gift from a "close friend", which is not an acceptable source of funds per Guidelines.  Per Guidelines, a gift can be provided by 1) a relative or 2) a non-relative that shares a familial relationship with the borrower defined as a domestic partner, individual engaged to the borrower, former relative or godparent.   - Due Diligence Vendor-06/XX/2025

Resolved-Lender qualified without ineligible gift, finding resolved.  - Due Diligence Vendor-07/XX/2025

VA

Primary Residence

Purchase

NA

XX

N/A

N/A

9767935696

XX

XX

Closed

2025-06-30 14:30

2025-07-11 18:11

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025 Ready for Review-Please advise what can be provided for this one or if we just need acknowledge the B grade. - Buyer-07/XX/2025 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

TX

Primary Residence

Purchase

NA

XX

Investor Post-Close

No

9769275034

XX

XX

Closed

2025-06-26 15:24

2025-06-30 14:52

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2025

LA

Primary Residence

Purchase

NA

XX

Investor Post-Close

No

9738032292

XX

XX

Closed

2025-06-26 17:32

2025-07-09 17:14

Resolved

1 - Information

Credit

Missing Doc

The Final 1003 is Missing

Resolved-Lender provided final loan application, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached entity application and 1003. - Buyer-07/XX/2025 Open- Final 1003 is Missing in File - Due Diligence Vendor-06/XX/2025

Resolved-Lender provided final loan application, finding resolved. - Due Diligence Vendor-07/XX/2025

XX

AR

Investment

Purchase

NA

XX

N/A

N/A

9738032292

XX

XX

Closed

2025-06-26 15:35

2025-07-09 17:12

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached showing no late payments for XX. - Buyer-07/XX/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender guidelines require verification of no less than 1x30x12 or 0x30x6 on any mortgage or rental payment. Despite this requirement, no Verification of Mortgage for either the subject property or the Borrower's primary residence was provided.   - Due Diligence Vendor-06/XX/2025

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-07/XX/2025

XX

Lender guidelines require verification of rents or copy of lease agreement and 12 months’ cancelled checks for borrower with rented primary residence. Despite this requirement, no VOR was provided.

AR

Investment

Purchase

NA

XX

N/A

N/A

9732621991

XX

XX

Closed

2025-06-27 15:16

2025-07-22 13:43

Waived

2 - Non-Material

Credit

Eligibility

Debt Service Coverage Ratio below guideline minimum

Waived-Lender exception for DSCR below guideline minimum, this finding will be rated EV2. - Due Diligence Vendor-07/XX/2025 Acknowledged-Lender acknowledged DSCR is below guideline requirement, this finding will be rated EV2 - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded.  - Buyer-07/XX/2025 Open-Audited DSCR of 0.638 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.63 is below guideline minimum of 1.00. - Due Diligence Vendor-06/XX/2025

Waived-Lender exception for DSCR below guideline minimum, this finding will be rated EV2. - Due Diligence Vendor-07/XX/2025  Acknowledged-Lender acknowledged DSCR is below guideline requirement, this finding will be rated EV2 - Due Diligence Vendor-07/XX/2025

XX

Projected revenue of $25,900. xx market score of 93.

TN

Investment

Purchase

NA

XX

Originator Post-Close

No

9732621991

XX

XX

Closed

2025-06-30 21:58

2025-07-22 13:28

Resolved

1 - Information

Credit

Missing Doc

Missing Business Purpose Affidavit

Resolved-Received Business Purpose & Occupancy Affidavit.  Condition cleared.  - Due Diligence Vendor-07/XX/2025 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. business purpose - Buyer-07/XX/2025 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-06/XX/2025

Resolved-Received Business Purpose & Occupancy Affidavit.  Condition cleared.  - Due Diligence Vendor-07/XX/2025  Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2025

XX

TN

Investment

Purchase

NA

XX

N/A

N/A

9725667290

XX

XX

Closed

2025-06-30 17:44

2025-07-11 19:54

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Upon further review, this explanation is accepted.  Condition cleared.   - Due Diligence Vendor-07/XX/2025 Ready for Review-UW response: This is  purchase transaction and lease is not required if appraisal provides the current rent which is included on the subject rent schedule and used in qualifying.  - Buyer-07/XX/2025 Open-Missing lease agreements for the subject property. The appraisal indicates all units are rented; however, no leases were provided.  - Due Diligence Vendor-06/XX/2025

Resolved-Upon further review, this explanation is accepted.  Condition cleared.   - Due Diligence Vendor-07/XX/2025

PA

Investment

Purchase

NA

XX

N/A

N/A

9780321163

XX

XX

Closed

2025-06-27 19:55

2025-07-08 17:24

Resolved

1 - Information

Credit

Eligibility

Debt Service Coverage Ratio below guideline minimum

Resolved-Received updated guidelines outlining new matrix for cash-out, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-UW Team response: Please refer to updated guidelines published 6.6.25 v25.8 as lock date is 6.16.25. DSCR minimum is 1.0 for cash out refi at 75% LTV.  - Buyer-07/XX/2025 Open-Audited DSCR of 1.090 is below guideline minimum of 1.15 Audited DSCR of 1.090 does not meet minimum guideline DSCR of 1.15 for cash-out transaction. - Due Diligence Vendor-06/XX/2025

Resolved-Received updated guidelines outlining new matrix for cash-out, finding resolved. - Due Diligence Vendor-07/XX/2025

FL

Investment

Refinance

Cash Out - Other

XX

N/A

N/A

9704437103

XX

XX

Closed

2025-06-26 13:50

2025-08-10 15:48

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Received evidence of receipt.  Condition cleared.   - Due Diligence Vendor-08/XX/2025 Resolved-xx- Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. full one span - Investor-07/XX/2025 Counter-The upload of evidence summary is cutoff where it should provide date and time of borrower receipt, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. one span - Buyer-07/XX/2025 Open-The Initial Closing Disclosure was provided on (2025-xx-06) via (USPSFirstClassMail). 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 (2025-xx-12). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-xx-10), 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 (20250605), for consummation to occur on (2025-xx-12). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 06/XX/2025. Borrower acknowledged receipt of initial C.D. on 06/XX/2025 which is less than 3 business days prior to consummation. No Cure. - Due Diligence Vendor-06/XX/2025 Open-xx- Due Diligence Vendor-06/XX/2025

Resolved-Received evidence of receipt.  Condition cleared.   - Due Diligence Vendor-08/XX/2025

XX

TX

Primary Residence

Refinance

Cash Out - Other

XX

N/A

N/A

9704437103

XX

XX

Closed

2025-06-26 12:23

2025-07-28 15:17

Resolved

1 - Information

Compliance

State Reg

TX 50(a)(6) Violation: Copy of Loan Application received at least 1 day prior to closing requirement not met

Resolved-Lender provided edocument with confirmation, finding resolved. - Due Diligence Vendor-07/XX/2025 Counter-The upload of evidence summary is cutoff where it should provide date and time of borrower receipt, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. one span - Buyer-07/XX/2025 Open-TX 50(a)(6) Violation: Copy of Loan Application received at least 1 day prior to closing requirement not met. - Due Diligence Vendor-06/XX/2025

Resolved-Lender provided edocument with confirmation, finding resolved. - Due Diligence Vendor-07/XX/2025

XX

TX

Primary Residence

Refinance

Cash Out - Other

XX

N/A

N/A

9718786370

XX

XX

Closed

2025-06-26 17:42

2025-08-10 15:54

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Received requested documentation.  Condition cleared.  - Due Diligence Vendor-08/XX/2025 Resolved-xx- Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. denial letter from the 1st application 04/XX/25 - Investor-07/XX/2025 Counter-Proof of loan declined, and new application required, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Application dated 04/XX/25 was a different loan number and was denied. The application date on this loan was 05/XX/25. - Buyer-07/XX/2025 Counter-Disclosure provided and disclosure in loan file both reflect same date, finding maintained. - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. hoc - Investor-07/XX/2025 Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-xx-13) is more than 3 business days from the Application Date (2025-xx-21). Three business days from the Application Date is (2025-xx-24). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-06/XX/2025 Open-xx- Due Diligence Vendor-06/XX/2025

Resolved-Received requested documentation.  Condition cleared.  - Due Diligence Vendor-08/XX/2025

XX

TN

Second Home

Purchase

NA

XX

N/A

N/A

9718786370

XX

XX

Closed

2025-06-26 17:57

2025-07-08 17:59

Resolved

1 - Information

Compliance

Missing Doc

Loan Estimate disclosure is missing or incomplete

Resolved-Lender provided missing loan estimate, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded.  - Buyer-07/XX/2025 Open-Loan Estimate disclosure is missing or incomplete Revised Loan estimate dated 5/XX/2025 1st page in file. However, page 2 and 3 of 3 is missing. - Due Diligence Vendor-06/XX/2025

Resolved-Lender provided missing loan estimate, finding resolved. - Due Diligence Vendor-07/XX/2025

XX

TN

Second Home

Purchase

NA

XX

N/A

N/A

9718786370

XX

XX

Closed

2025-06-26 17:42

2025-07-08 17:57

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-xx- Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. icd - Seller-07/XX/2025 Open-The Initial Closing Disclosure Received Date of (2025-xx-06) is not three business days before the consummation date of (2025-xx-06). Three business days before the consummation date is (xx). 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. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-06/XX/2025 Open-xx- Due Diligence Vendor-06/XX/2025

Ready for Review-Document Uploaded. icd - Seller-07/07/2025

Resolved-xx- Due Diligence Vendor-07/XX/2025

XX

TN

Second Home

Purchase

NA

XX

N/A

N/A

9707207370

XX

XX

Closed

2025-07-23 19:56

2025-07-30 13:01

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

NC

Primary Residence

Purchase

NA

XX

Investor Post-Close

No

9707207370

XX

XX

Closed

2025-07-23 18:14

2025-07-30 12:58

Waived

2 - Non-Material

Credit

Income/Employment

Income documentation does not meet guidelines

Waived-Business bank statements disclose 22 NSF events in the prior 12 months which is greater than the guideline maximum of 6 NSF events.  Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/XX/2025

Waived-Business bank statements disclose 22 NSF events in the prior 12 months which is greater than the guideline maximum of 6 NSF events.  Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/XX/2025

Minimum FICO: 696 Maximum DTI: 35 Maximum LTV: 80 Minimum Reserves: 30,000

NC

Primary Residence

Purchase

NA

XX

Originator Pre-Close

Yes

9716619334

XX

XX

Closed

2025-07-16 11:53

2025-07-24 21:28

Resolved

1 - Information

Credit

Missing Doc

Missing Condo Questionnaire

Resolved-Lender provided FNMA condo approval, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. condo question - Buyer-07/XX/2025 Counter-Lender provided condo approval, missing the condo questionnaire, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached 1008 and condo approval letter. - Buyer-07/XX/2025 Open- The Condo Questionnaire is missing from the loan file.  Additional conditions may apply.  - Due Diligence Vendor-07/XX/2025

Resolved-Lender provided FNMA condo approval, finding resolved. - Due Diligence Vendor-07/XX/2025

XX

FL

Primary Residence

Purchase

NA

XX

N/A

N/A

9723143906

XX

XX

Closed

2025-07-17 11:15

2025-07-24 21:09

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of sale of other property owned (REO)

Resolved-Lender provided CD from REO, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. sale cd - Buyer-07/XX/2025 Open-Final Hud-1, Closing documents, or other evidence of sale from property listed in position 3B on the co-borrower's application.  - Due Diligence Vendor-07/XX/2025

Resolved-Lender provided CD from REO, finding resolved. - Due Diligence Vendor-07/XX/2025

XX

FL

Primary Residence

Purchase

NA

XX

N/A

N/A

9769712333

XX

XX

Closed

2025-07-16 19:28

2025-07-29 22:09

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Received At Least Four Business Days Before Consummation

Resolved-Evidence of electronic delivery provided; condition resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. docs sent to borrwer - Investor-07/XX/2025 Counter-Lender provided E-Consent with borrower receiving LE on 6/XX/2025 therefore not providing borrower with at least four business days before consummation, finding maintained. - Due Diligence Vendor-07/XX/2025 Open-A revised Loan Estimate was provided on (2025-xx-24) via (ElectronicDelivery). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of  (2025-xx-30). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (2025-xx-27), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (2025-xx-25). (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-07/XX/2025 Open-A revised Loan Estimate was provided on (2025-xx-24) via (ElectronicDelivery). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of  (2025-xx-30). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (2025-xx-27), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (2025-xx-25). (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. onespan - Buyer-07/XX/2025 Open-A revised Loan Estimate was provided on (2025-xx-24) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of  (2025-xx-30). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (2025-xx-27), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (2025-xx-25). (12 CFR 1026.19(e)(4)(ii)) . The re-disclosed LE reflects a Date Issued of 06/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of re-disclosed LE 4 business days prior to consummation of 06/XX/2025.  No Cure. - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025

Resolved-Evidence of electronic delivery provided; condition resolved. - Due Diligence Vendor-07/XX/2025

XX

VA

Primary Residence

Purchase

NA

XX

N/A

N/A

9769712333

XX

XX

Closed

2025-07-16 20:04

2025-07-16 20:04

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

VA

Primary Residence

Purchase

NA

XX

Investor Post-Close

No

215101601

XX

XX

Closed

2025-06-27 14:06

2025-08-13 12:42

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided approval. Finding Resolved. - Due Diligence Vendor-08/XX/2025 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded.  - Buyer-08/XX/2025 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-06/XX/2025

Resolved-Lender provided approval. Finding Resolved. - Due Diligence Vendor-08/XX/2025  Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-08/XX/2025

XX

UT

Primary Residence

Purchase

NA

XX

N/A

N/A

9724918355

XX

XX

Closed

2025-06-27 18:38

2025-08-19 14:40

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2025 Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Seller-08/XX/2025 Counter-Total amounts received per wire transfer to escrow $91,200 vs Final CD reflecting credits $77,811.63 & $15,021.00, there is a difference of $1632.63, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission.  Page 2 of CD reflects $5000 commission paid to XX, not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient.  - Investor-07/XX/2025 Counter-Missing wire confirmation for gift funds in the amount of $77,811.63 & $15,021, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16.25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower’s commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction.  - Buyer-07/XX/2025 Counter-Missing the commission distribution form for subject transaction. Per the final CD, the funds do not total $16,815 as per rebuttal below. Page 3 on final CD reflects $16,000 and page 2 of CD reflects $5000 commission to buyer.  Additionally, the commission received will not suffice in total assets required to close, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-The $16,815 as listed on the asset worksheet is verified. This amount is the buyer's agent commission that is to be applied as a credit at closing. The amount is confirmed by XX  as $22,200 commission @ 80% = $17,760 less $250 risk fee, $195 transaction fee and $500 annual for a final amount of $16,815. This amount is listed as a credit on the final CD.  - Buyer-07/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $22152.69 - Due Diligence Vendor-06/XX/2025

Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Seller-08/07/2025

Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2025

XX

CA

Primary Residence

Purchase

NA

XX

N/A

N/A

9724918355

XX

XX

Closed

2025-06-27 18:30

2025-08-11 15:41

Resolved

1 - Information

Credit

Assets

Insufficient asset documentation in file - assets do not cover closing costs

Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-08/XX/2025 Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Investor-08/XX/2025 Counter-Total amounts received per wire transfer to escrow $91,200 vs Final CD reflecting credits $77,811.63 & $15,021.00, there is a difference of $1632.63, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission.  Page 2 of CD reflects $5000 commission paid to LXX, not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient.  - Buyer-07/XX/2025 Counter-Missing wire confirmation for gift funds in the amount of $77,811.63 & $15,021, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16.25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower’s commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction.  - Buyer-07/XX/2025 Counter-Missing the commission distribution form for subject transaction. Per the final CD, the funds do not total $16,815 as per rebuttal below. Page 3 on final CD reflects $16,000 and page 2 of CD reflects $5000 commission to buyer.  Additionally, the commission received will not suffice in total assets required to close, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-The $16,815 as listed on the asset worksheet is verified. This amount is the buyer's agent commission that is to be applied as a credit at closing. The amount is confirmed by XX as $22,200 commission @ 80% = $17,760 less $250 risk fee, $195 transaction fee and $500 annual for a final amount of $16,815. This amount is listed as a credit on the final CD.  - Investor-07/XX/2025 Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $145,448.25 less cash to close of $180,293.04 and less unverified deposit of $16,815 results in $51,659.79 shortage of funds to close. - Due Diligence Vendor-06/XX/2025

Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025  Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-08/XX/2025

XX

CA

Primary Residence

Purchase

NA

XX

N/A

N/A

9724918355

XX

XX

Closed

2025-06-27 18:15

2025-08-11 15:41

Resolved

1 - Information

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-Total Qualified Assets for Reserves Post-Close of $42966.84 is equal to or greater than Total Required Reserve Amount of $22152.69 - Due Diligence Vendor-08/XX/2025 Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Buyer-08/XX/2025 Counter-Total amounts received per wire transfer to escrow $91,200 vs Final CD reflecting credits $77,811.63 & $15,021.00, there is a difference of $1632.63, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission.  Page 2 of CD reflects $5000 commission paid to LXX not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient.  - Investor-07/XX/2025 Counter-Missing wire confirmation for gift funds in the amount of $77,811.63 & $15,021, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16.25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower’s commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction.  - Buyer-07/XX/2025 Counter-Missing the commission distribution form for subject transaction. Per the final CD, the funds do not total $16,815 as per rebuttal below. Page 3 on final CD reflects $16,000 and page 2 of CD reflects $5000 commission to buyer.  Additionally, the commission received will not suffice in total assets required to close, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-The $16,815 as listed on the asset worksheet is verified. This amount is the buyer's agent commission that is to be applied as a credit at closing. The amount is confirmed by  XXas $22,200 commission @ 80% = $17,760 less $250 risk fee, $195 transaction fee and $500 annual for a final amount of $16,815. This amount is listed as a credit on the final CD.  - Buyer-07/XX/2025 Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $22152.69 - Due Diligence Vendor-06/XX/2025

Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025  Resolved-Total Qualified Assets for Reserves Post-Close of $42966.84 is equal to or greater than Total Required Reserve Amount of $22152.69 - Due Diligence Vendor-08/XX/2025

XX

CA

Primary Residence

Purchase

NA

XX

N/A

N/A

9724918355

XX

XX

Closed

2025-06-27 18:40

2025-08-11 15:41

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025 Resolved-Audited Reserves of 5.82 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/XX/2025 Ready for Review-Can you please advise what specifically you are looking for to clear these conditions? - Investor-08/XX/2025 Counter-Total amounts received per wire transfer to escrow $91,200 vs Final CD reflecting credits $77,811.63 & $15,021.00, there is a difference of $1632.63, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission.  Page 2 of CD reflects $5000 commission paid to XX not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient.  - Seller-07/XX/2025 Counter-Missing wire confirmation for gift funds in the amount of $77,811.63 & $15,021, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16.25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower’s commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction.  - Seller-07/XX/2025 Counter-Missing the commission distribution form for subject transaction. Per the final CD, the funds do not total $16,815 as per rebuttal below. Page 3 on final CD reflects $16,000 and page 2 of CD reflects $5000 commission to buyer.  Additionally, the commission received will not suffice in total assets required to close, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-The $16,815 as listed on the asset worksheet is verified. This amount is the buyer's agent commission that is to be applied as a credit at closing. The amount is confirmed by XX as $22,200 commission @ 80% = $17,760 less $250 risk fee, $195 transaction fee and $500 annual for a final amount of $16,815. This amount is listed as a credit on the final CD.  - Buyer-07/XX/2025 Open-Audited Reserves of  month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-06/XX/2025

Ready for Review-Document Uploaded. Gift fund wires provided. Page 3 on the updated CD has a credit of $16,000. This is the total of the seller credits per the purchase agreement, this is not related to commission.  Page 2 of CD reflects $5000 commission paid to XX not to the borrower. The agent commission of $16,815 was not applied to the cash to close for this transaction. It was not needed Cash to close + reserves = $124,634.10. Verified assets are sufficient.  - Seller-07/28/2025  Ready for Review-Document Uploaded. Please refer to the updated CD signed 7.16XX25. The cash to close on the updated CD is $102,481.41. The updated CD does not include a credit for the borrower’s commission in the amount of $16,815. This was not needed. The borrower has sufficient verified assets to support both the cash to close and required reserves for the transaction.  - Seller-07/24/2025

Resolved-Lender provided updated final CD and evidence of final gift funds. Condition cleared. - Due Diligence Vendor-08/XX/2025  Resolved-Audited Reserves of 5.82 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/XX/2025

XX

CA

Primary Residence

Purchase

NA

XX

N/A

N/A

9785502072

XX

XX

Closed

2025-07-28 18:23

2025-08-08 20:05

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-Lender provided copy of Master Policy which is valid. Finding Resolved. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. master policy - Buyer-08/XX/2025 Open-Missing HO-6 Master Insurance Policy Missing Master Insurance Policy - Due Diligence Vendor-07/XX/2025

Resolved-Lender provided copy of Master Policy which is valid. Finding Resolved. - Due Diligence Vendor-08/XX/2025

XX

NY

Primary Residence

Purchase

NA

XX

N/A

N/A

9713888544

XX

XX

Closed

2025-07-23 18:13

2025-07-23 18:13

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

TX

Primary Residence

Purchase

NA

XX

Investor Post-Close

No

9727458979

XX

XX

Closed

2025-07-23 20:51

2025-08-07 13:52

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date (Investment Property Warnings)

Resolved-Resolved - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Please see attached ICD and audit trail showing the borrower viewed the ICD on 07-xx-25. - Buyer-08/XX/2025 Open-The Initial Closing Disclosure was provided on (2025-xx-10) via (USPSFirstClassMail). 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 (2025-xx-14). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-xx-14), 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 (20250707), for consummation to occur on (2025-xx-14). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 07/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 07/XX/2025. No Cure. - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025

Resolved-Resolved - Due Diligence Vendor-08/XX/2025

XX

CO

Investment

Refinance

Cash Out - Other

XX

N/A

N/A

9727458979

XX

XX

Closed

2025-07-23 20:51

2025-08-07 13:52

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Resolved - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Please see attached ICD and audit trail showing the borrower viewed the ICD on 07-xx-25. - Investor-08/XX/2025 Open-The Initial Closing Disclosure was provided on (2025-xx-10) via (USPSFirstClassMail). 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 (2025-xx-14). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-xx-14), 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 (20250707), for consummation to occur on (2025-xx-14). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 07/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 07/XX/2025. No Cure. - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025

Resolved-Resolved - Due Diligence Vendor-08/XX/2025

XX

CO

Investment

Refinance

Cash Out - Other

XX

N/A

N/A

9728005308

XX

XX

Closed

2025-07-23 18:32

2025-08-01 18:31

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Payoff statement attached. - Buyer-08/XX/2025 Counter-Missing attachment for payoff statement, finding maintained. - Due Diligence Vendor-08/XX/2025 Ready for Review-Please see attached payoff statement. - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-08/XX/2025

XX

NY

Second Home

Refinance

Cash Out - Other

XX

N/A

N/A

9728005308

XX

XX

Closed

2025-07-23 18:50

2025-07-23 18:50

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/XX/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/XX/2025

NY

Second Home

Refinance

Cash Out - Other

XX

Investor Post-Close

No

9746503656

XX

XX

Closed

2025-07-24 13:33

2025-08-05 21:24

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of 07-xx-2025 is prior to or equal to the Note Date of 07-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. hoi - Buyer-08/XX/2025 Open-Hazard Insurance Effective Date of 07-xx-2025 is after the Note Date of 07-xx-2025 - Due Diligence Vendor-07/XX/2025

Resolved-Hazard Insurance Effective Date of 07-xx-2025 is prior to or equal to the Note Date of 07-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/XX/2025

XX

FL

Primary Residence

Purchase

NA

XX

N/A

N/A

9751398893

XX

XX

Closed

2025-07-24 11:19

2025-08-19 13:55

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-08/XX/2025 Resolved-Drivers License for both borrowers provided by lender. Finding Resolved. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. DL - Buyer-08/XX/2025 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-07/XX/2025

Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-08/XX/2025  Resolved-Drivers License for both borrowers provided by lender. Finding Resolved. - Due Diligence Vendor-08/XX/2025

XX

MI

Investment

Purchase

NA

XX

N/A

N/A

9757459251

XX

XX

Closed

2025-08-05 18:15

2025-08-05 18:15

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2025

KS

Primary Residence

Purchase

NA

XX

Investor Post-Close

No

9784144546

XX

XX

Closed

2025-07-22 19:44

2025-08-04 17:33

Cured

2 - Non-Material

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Cured-Lender provided documentation for credit, PCCD and LOX, finding will be rated EV2. - Due Diligence Vendor-08/XX/2025 Ready for Review-Our PCCDs are automatically delivered via email if there is prior econsent in the file, the refund is posted to the borrower's loan as a principal reduction. History was provided in response on 08-xx-25. - Buyer-08/XX/2025 Counter-Missing proof of delivery, finding maintained. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Please see attached cure package. - Investor-08/XX/2025 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated 05/XX/2025, reflects a Credit Report Fee of $80. Final CD dated07/XX/2025 reflects a Credit Report Fee of $84.55. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $4.55 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025

Cured-Lender provided documentation for credit, PCCD and LOX, finding will be rated EV2. - Due Diligence Vendor-08/XX/2025

XX

IL

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XX

N/A

N/A

9784144546

XX

XX

Closed

2025-07-22 19:44

2025-08-04 17:32

Cured

2 - Non-Material

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Cured-Lender provided documentation for credit, PCCD and LOX, finding will be rated EV2. - Due Diligence Vendor-08/XX/2025 Ready for Review-Our PCCDs are automatically delivered via email if there is prior econsent in the file, the refund is posted to the borrower's loan as a principal reduction. History was provided in response on 08-xx-25. - Investor-08/XX/2025 Counter-Missing proof of delivery, finding maintained. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Please see attached cure package. - Investor-08/XX/2025 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Tolerance cure of $4.55 to be provided within 60 days of discovery. - Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025 Open-xx- Due Diligence Vendor-07/XX/2025

Cured-Lender provided documentation for credit, PCCD and LOX, finding will be rated EV2. - Due Diligence Vendor-08/XX/2025

XX

IL

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XX

N/A

N/A

9784144546

XX

XX

Closed

2025-07-23 14:46

2025-07-30 20:48

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-Mortgage statement in spouses name received, finding resolved. - Due Diligence Vendor-07/XX/2025 Counter-Mortgage statement does not provide mortgage history as required by guidelines, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. UW response: Disagree – the attached mortgage statement for XX confirms that the borrower is not personally obligated on the debt. A VOM is not required. - Investor-07/XX/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-07/XX/2025

Resolved-Mortgage statement in spouses name received, finding resolved. - Due Diligence Vendor-07/XX/2025

XX

IL

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XX

N/A

N/A

9784144546

XX

XX

Closed

2025-07-23 14:46

2025-07-30 20:47

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Mortgage statement provided showing in name of spouse, finding resolved. - Due Diligence Vendor-07/XX/2025 Counter-Mortgage statement does not provide mortgage history as required by guidelines, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. UW response: Disagree – the attached mortgage statement for XX confirms that the borrower is not personally obligated on the debt. A VOM is not required. - Investor-07/XX/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-07/XX/2025

Resolved-Mortgage statement provided showing in name of spouse, finding resolved. - Due Diligence Vendor-07/XX/2025

XX

IL

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XX

N/A

N/A

9784144546

XX

XX

Closed

2025-07-22 20:19

2025-07-29 21:02

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached payoff statement. - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan.  - Due Diligence Vendor-07/XX/2025

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025

XX

IL

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XX

N/A

N/A

9786339615

XX

XX

Closed

2025-07-23 14:19

2025-08-19 18:57

Resolved

1 - Information

Credit

Eligibility

Audited FICO is less than Guideline FICO

Resolved-Updated guidelines provided; Audited FICO of 657 is greater than or equal to Guideline FICO of 640; condition resolved. - Due Diligence Vendor-08/XX/2025 Open-xx- Due Diligence Vendor-08/XX/2025 Counter-Underwriting team missing the guidelines mentioned below, finding maintained - Due Diligence Vendor-08/XX/2025 Ready for Review-Please advise if you are using the correct guide version to ensure compliance with the updated FICO requirement.  The minimum FICO score requirement was updated to 640 in Guide Version 25.5, effective May 30, 2025. Since the loan application was submitted on June XX, 2025, it must be reviewed under Guide Version 25.6, which was published on June 23, 2025. The current version is 25.7, effective July 24, 2025. - Investor-08/XX/2025 Open-Audited FICO of 657 is less than Guideline FICO of 660 - Due Diligence Vendor-08/XX/2025

Resolved-Updated guidelines provided; Audited FICO of 657 is greater than or equal to Guideline FICO of 640; condition resolved. - Due Diligence Vendor-08/XX/2025

AL

Primary Residence

Purchase

NA

XX

N/A

N/A

9786339615

XX

XX

Closed

2025-08-04 13:41

2025-08-19 18:56

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-Updated guidelines provided; Audited FICO of 657 is greater than or equal to Guideline FICO of 640; condition resolved. - Due Diligence Vendor-08/XX/2025 Ready for Review-Please review the guidelines that were uploaded to your site on 07/XX/25 - Investor-08/XX/2025 Counter-Underwriting team missing the guidelines mentioned below, finding maintained - Due Diligence Vendor-08/XX/2025 Ready for Review-8.5 pushed back to opus nqm Please advise if you are using the correct guide version to ensure compliance with the updated FICO requirement.  The minimum FICO score requirement was updated to 640 in Guide Version 25.5, effective May 30, 2025. Since the loan application was submitted on June XX, 2025, it must be reviewed under Guide Version 25.6, which was published on June 23, 2025. The current version is 25.7, effective July 24, 2025. - Buyer-08/XX/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Audited FICO of 657 is less than Guideline FICO of 660. - Due Diligence Vendor-08/XX/2025

Resolved-Updated guidelines provided; Audited FICO of 657 is greater than or equal to Guideline FICO of 640; condition resolved. - Due Diligence Vendor-08/XX/2025

AL

Primary Residence

Purchase

NA

XX

N/A

N/A

9786339615

XX

XX

Closed

2025-07-23 13:26

2025-08-19 18:56

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-xx- Due Diligence Vendor-08/XX/2025 Resolved-Lender provided bank stmt acct #xx with sufficient funds. Finding resolved. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. bank statement - Buyer-08/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-08/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing bank statement dated 10/XX/2024 from xx account number ending xx. - Due Diligence Vendor-08/XX/2025

Resolved-xx- Due Diligence Vendor-08/XX/2025  Resolved-Lender provided bank stmt  XXwith sufficient funds. Finding resolved. - Due Diligence Vendor-08/XX/2025

XX

AL

Primary Residence

Purchase

NA

XX

N/A

N/A

9786339615

XX

XX

Closed

2025-08-04 13:52

2025-08-19 18:54

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Bank Statements Missing

Resolved-Lender provided bank stmt acct #xx with sufficient funds. Finding resolved. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. bank statement - Investor-08/XX/2025 Open-Missing bank statement dated 10/XX/2024 from XX. - Due Diligence Vendor-08/XX/2025

Resolved-Lender provided bank stmt acct XXwith sufficient funds. Finding resolved. - Due Diligence Vendor-08/XX/2025

XX

AL

Primary Residence

Purchase

NA

XX

N/A

N/A

9793562092

XX

XX

Closed

2025-08-05 13:18

2025-08-08 21:53

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Reserves for XX are not needed and were removed from the asset worksheet. This property is a business, XX, which is a for profit, licensed xx that is secured by a commercial mortgage.  - Buyer-08/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $29636.27 is less than Total Required Reserve Amount of $33765.68 - Due Diligence Vendor-08/XX/2025

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/XX/2025

XX

FL

Second Home

Purchase

NA

XX

N/A

N/A

9793562092

XX

XX

Closed

2025-08-05 12:54

2025-08-08 21:51

Resolved

1 - Information

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Resolved-Total Qualified Assets for Reserves Post-Close of $29636.27 is equal to or greater than Total Required Reserve Amount of $25324.26 - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Reserves for XX are not needed and were removed from the asset worksheet. This property is a business,XX which is a for profit, licensed xx that is secured by a commercial mortgage.  - Seller-08/XX/2025 Open-Total Qualified Assets for Reserves Post-Close of $29636.27 is less than Total Required Reserve Amount of $33765.68 - Due Diligence Vendor-08/XX/2025

Ready for Review-Document Uploaded. Reserves for XX are not needed and were removed from the asset worksheet. This property is a business, XX, which is a for profit, licensed xx that is secured by a commercial mortgage.  - Seller-08/07/2025

Resolved-Total Qualified Assets for Reserves Post-Close of $29636.27 is equal to or greater than Total Required Reserve Amount of $25324.26 - Due Diligence Vendor-08/XX/2025

XX

FL

Second Home

Purchase

NA

XX

N/A

N/A

9793562092

XX

XX

Closed

2025-07-23 15:10

2025-08-08 21:50

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Audited Reserves of 7.02 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. Reserves for XXare not needed and were removed from the asset worksheet. This property is a business, XX, which is a for profit, licensed xx that is secured by a commercial mortgage.  - Investor-08/XX/2025 Open-Audited Reserves of 7.02 month(s) are less than Guideline Required Reserves of 8 month(s) Audited Reserves of 7.02 months are less than Guideline Required Reserves of 8 months. - Due Diligence Vendor-07/XX/2025

Resolved-Audited Reserves of 7.02 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/XX/2025

XX

FL

Second Home

Purchase

NA

XX

N/A

N/A

9776844582

XX

XX

Closed

2025-07-23 16:00

2025-08-01 18:22

Resolved

1 - Information

Credit

Eligibility

Debt Service Coverage Ratio below guideline minimum

Resolved-Audited DSCR of 1.151 is greater than or equal to the Guideline DSCR of 1.15 - Due Diligence Vendor-08/XX/2025 Ready for Review-1008, dscr and ZZ - Buyer-08/XX/2025 Open-Audited DSCR of 0.976 is below guideline minimum of 1.15 Debt Service Coverge Ratio of <<Summary_Debt_Service_Coverage_Ratio>> is below guideline minimum of <<Guideline_Debt_Service_Coverage_Ratio>>.. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. 1008, DSCR, ZZ - Buyer-07/XX/2025 Open-Audited DSCR of 0.976 is below guideline minimum of 1.15 Debt Service Coverge Ratio of 0.976 is below guideline minimum of 1.15. - Due Diligence Vendor-07/XX/2025

Resolved-Audited DSCR of 1.151 is greater than or equal to the Guideline DSCR of 1.15 - Due Diligence Vendor-08/XX/2025

XX

FL

Investment

Purchase

NA

XX

N/A

N/A

9772270576

XX

XX

Closed

2025-08-04 14:11

2025-08-07 13:43

Resolved

1 - Information

Credit

Missing Doc

The Note is Incomplete

Resolved-The Note is Present - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. note ppp - Buyer-08/XX/2025 Open-The Note is Incomplete Prepayment addendum is missing in file.  - Due Diligence Vendor-08/XX/2025

Resolved-The Note is Present - Due Diligence Vendor-08/XX/2025

XX

FL

Investment

Purchase

NA

XX

N/A

N/A

9755647246

XX

XX

Closed

2025-07-22 17:02

2025-08-20 13:26

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Lender provided Exception Approval for Loan amount less than guideline minimum requirement. Condition Waived, Reporting EV1 - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. sle - Buyer-08/XX/2025 Open-Audited Loan Amount of $ZZ is less than the Guideline Minimum Loan Amount of $100000 A lender exception e-mail approval was provided in the loan file but did not include any compensating factors. Additional conditions may apply upon receipt of an updated lender exception - Due Diligence Vendor-07/XX/2025

Waived-Lender provided Exception Approval for Loan amount less than guideline minimum requirement. Condition Waived, Reporting EV1 - Due Diligence Vendor-08/XX/2025

XX

51.07 months PITIA Reserves exceeds 15 months required ; 0x30x21 years mtg reporting

LA

Investment

Refinance

Cash Out - Other

XX

Originator Pre-Close

Yes

9755647246

XX

XX

Closed

2025-07-22 16:10

2025-08-08 16:31

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Lender provided payoff statement. Condition Resolved, reporting EV1. - Due Diligence Vendor-08/XX/2025 Ready for Review-Document Uploaded. payoff - Buyer-08/XX/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025

Resolved-Lender provided payoff statement. Condition Resolved, reporting EV1. - Due Diligence Vendor-08/XX/2025

XX

LA

Investment

Refinance

Cash Out - Other

XX

N/A

N/A

9705217801

XX

XX

Closed

2025-06-27 04:35

2025-07-21 13:44

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of 06-xx-2025 is prior to or equal to the Note Date of 06-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. hoi - Buyer-07/XX/2025 Open-Hazard Insurance Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025. The disbursement date is 06-xx-2025. - Due Diligence Vendor-06/XX/2025

Resolved-Hazard Insurance Effective Date of 06-xx-2025 is prior to or equal to the Note Date of 06-xx-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/XX/2025

XX

CA

Second Home

Purchase

NA

XX

N/A

N/A

9705217801

XX

XX

Closed

2025-06-27 04:35

2025-07-21 13:44

Resolved

1 - Information

Credit

Insurance

Other Property Insurance Policy Effective Date is after the Note Date

Resolved-Other Property Insurance Policy Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025 Updated binder with effective date of 6/XX/2025 provided, finding resolvef. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. hoi - Buyer-07/XX/2025 Open-Other Property Insurance Policy Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025. The disbursement date is 06-xx-2025. - Due Diligence Vendor-06/XX/2025

Resolved-Other Property Insurance Policy Effective Date of 06-xx-2025 is after the Note Date of 06-xx-2025 Updated binder with effective date of 6/XX/2025 provided, finding resolvef. - Due Diligence Vendor-07/XX/2025

XX

CA

Second Home

Purchase

NA

XX

N/A

N/A

9763444990

XX

XX

Closed

2025-07-01 12:29

2025-07-14 13:56

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Received missing bank statement.  Condition cleared.   - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached bank statement for February 2025. - Buyer-07/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Incomplete business bank statements.  - Due Diligence Vendor-07/XX/2025

Resolved-Received missing bank statement.  Condition cleared.   - Due Diligence Vendor-07/XX/2025

XX

MI

Primary Residence

Purchase

NA

XX

N/A

N/A

9763444990

XX

XX

Closed

2025-07-01 12:30

2025-07-14 13:56

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Business Bank Statements Less Than 12 Months Provided

Resolved-Received missing bank statement.  Condition cleared.   - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached bank statement for February 2025. - Buyer-07/XX/2025 Open-Loan was approved under the 12-month bank statement program.  Loan file is missing the 02/2025 statement.  - Due Diligence Vendor-07/XX/2025

Resolved-Received missing bank statement.  Condition cleared.   - Due Diligence Vendor-07/XX/2025

XX

MI

Primary Residence

Purchase

NA

XX

N/A

N/A

9763444990

XX

XX

Closed

2025-07-01 12:28

2025-07-01 12:29

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

MI

Primary Residence

Purchase

NA

XX

Investor Post-Close

No

215267600

XX

XX

Closed

2025-07-15 14:01

2025-07-15 21:44

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2025

TX

Primary Residence

Purchase

NA

XX

Investor Post-Close

No

9746450684

XX

XX

Closed

2025-07-14 14:53

2025-07-23 18:28

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Lender provided executed operating agreement, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see the attached signed operating agreement. - Buyer-07/XX/2025 Open-Provide fully executed Operating agreement since provided Operating agreement does not contains signature. - Due Diligence Vendor-07/XX/2025

Resolved-Lender provided executed operating agreement, finding resolved. - Due Diligence Vendor-07/XX/2025

XX

VA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XX

N/A

N/A

9746450684

XX

XX

Closed

2025-07-16 17:33

2025-07-23 18:27

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see the attached signed operating agreement. - Investor-07/XX/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Operating Statement provided in file to confirm Borrower's ownership percentage in the business was not signed by the Borrower.  - Due Diligence Vendor-07/XX/2025

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2025

XX

VA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XX

N/A

N/A

9746450684

XX

XX

Closed

2025-07-14 16:53

2025-07-21 13:28

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded.  - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025

XX

VA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XX

N/A

N/A

9787671032

XX

XX

Closed

2025-07-16 15:00

2025-07-21 13:31

Resolved

1 - Information

Compliance

Closing

Note Does Not Indicate a Buy-Down but CD Indicates a Buy-Down

Resolved-Lender provided executed temporary buydown, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached Buydown Agreement. - Buyer-07/XX/2025 Open-Loan file is missing a copy of the Buydown Agreement. - Due Diligence Vendor-07/XX/2025

Resolved-Lender provided executed temporary buydown, finding resolved. - Due Diligence Vendor-07/XX/2025

XX

WA

Primary Residence

Purchase

NA

XX

N/A

N/A

9793380230

XX

XX

Closed

2025-07-14 11:37

2025-07-23 18:03

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached settlement statement and final CD showing the per diem interest was paid in accordance with the payoff statement.   - Buyer-07/XX/2025 Counter-Payoff letter provided was good until June 5, 2025, and subject note date is June XX,2025, finding maintained. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached payoff statement. - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025

XX

AZ

Primary Residence

Refinance

Cash Out - Other

XX

N/A

N/A

9723830874

XX

XX

Closed

2025-07-16 08:33

2025-07-21 13:41

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached mortgage payoff. - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025

XX

MI

Primary Residence

Refinance

Cash Out - Other

XX

N/A

N/A

9730723963

XX

XX

Closed

2025-07-21 14:59

2025-09-18 15:23

Waived

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Lender credit exception with valid compensating factors excluding assets in loan file, finding Waived with an EV2. - Due Diligence Vendor-09/XX/2025 Acknowledged-Lender credit exception with valid compensating factors excluding assets in loan file, finding will be rated EV2. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached asset worksheet and bank statements. - Buyer-07/XX/2025 Open-Housing History Does Not Meet Guideline Requirements Missing verification of acceptable housing payment history.  Borrower is a first-time homebuyer who has been living rent free for the past 3+ years.  Lender provided approved exception dated prior to consummation; however, all compensating factors have not been documented as $32,000 in reserve has not been verified.   - Due Diligence Vendor-07/XX/2025

Waived-Lender credit exception with valid compensating factors excluding assets in loan file, finding Waived with an EV2. - Due Diligence Vendor-09/XX/2025  Acknowledged-Lender credit exception with valid compensating factors excluding assets in loan file, finding will be rated EV2. - Due Diligence Vendor-07/XX/2025

XX

694 FICO, Low DTI, 80% LTV, and Reserves.

NY

Primary Residence

Purchase

NA

XX

Originator Post-Close

No

9730723963

XX

XX

Closed

2025-07-21 15:55

2025-09-17 15:14

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. Please see attached asset worksheet and bank statements. - Buyer-07/XX/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing verification of acceptable housing payment history.  Borrower is a first-time homebuyer who has been living rent free for the past 3+ years.  Lender provided approved exception dated prior to consummation; however, all compensating factors have not been documented as $32,000 in reserve has not been verified.   - Due Diligence Vendor-07/XX/2025

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-07/XX/2025

XX

NY

Primary Residence

Purchase

NA

XX

N/A

N/A

215255761

XX

XX

Closed

2025-09-18 22:57

2025-09-19 11:57

Resolved

1 - Information

Credit

Insurance

Hazard insurance dwelling coverage is not sufficient

Resolved-Lender provided proof of rent loss. Coverage is sufficient. Finding Resolved. - Due Diligence Vendor-09/XX/2025 Open-Hazard Policy is missing evidence of Rent Loss coverage. - Due Diligence Vendor-09/XX/2025

Resolved-Lender provided proof of rent loss. Coverage is sufficient. Finding Resolved. - Due Diligence Vendor-09/XX/2025

PA

Investment

Purchase

NA

XX

N/A

N/A

9752691197

XX

XX

Closed

2025-07-14 19:01

2025-07-18 15:30

Resolved

1 - Information

Credit

Missing Doc

Missing Borrowing Entity Tax ID

Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. ein - Buyer-07/XX/2025 Open-Missing Borrowing Entity Tax ID. Missing borrowing entity Tax ID number verified by EIN verification letter issued by the IRS or completed IRS form W-9 as required by guidelines. - Due Diligence Vendor-07/XX/2025

Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-07/XX/2025

XX

VA

Investment

Purchase

NA

XX

N/A

N/A

9718337943

XX

XX

Closed

2025-07-09 13:59

2025-07-17 16:58

Resolved

1 - Information

Credit

Eligibility

Exclusionary Party Screening - Restricted Party Present

Resolved-Lender provided GOV search for two parties, finding resolved. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. exclusionary list - Buyer-07/XX/2025 Open-Exclusionary Party Screening - Restricted Party Present. - Due Diligence Vendor-07/XX/2025

Resolved-Lender provided GOV search for two parties, finding resolved. - Due Diligence Vendor-07/XX/2025

XX

IN

Investment

Refinance

Cash Out - Other

XX

N/A

N/A

9755178804

XX

XX

Closed

2025-07-10 19:28

2025-07-17 16:25

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 Ready for Review-Document Uploaded. payoff statement - Buyer-07/XX/2025 Open-Missing Payoff Statement for prior loan. Missing Payoff Statement for prior loan #XX. - Due Diligence Vendor-07/XX/2025

Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025

XX

FL

Investment

Refinance

Cash Out - Other

XX

N/A

N/A